Medicare是通过联邦政府提供的健康保险。它适用于65岁或以上的人或符合某些标准的任何年龄段的人。
医疗保险plans in Connecticut fall into four categories:
- Part A and Part B, which make up original Medicare
- Part C, also known as Medicare Advantage
- D部分，处方药覆盖范围
- Medigap，是补充保险计划
The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Connecticut for the 2022 plan year:
- A total of 700,256 residents of Connecticut are enrolled in Medicare.
- The average Medicare Advantage monthly premium decreased in Connecticut compared to last year — from $20.15 in 2021 to $19.95 in 2022.
- 2022年康涅狄格州有57个Medicare Advantage计划，而2021年有47个计划。
- 所有拥有Medicare的康涅狄格州居民都可以购买Medicare Advantage计划，包括$ 0保费的计划。
- There are 12 different Medigap plans offered in Connecticut for 2022.
Different parts of Medicare cover different services, so it’s important to understand each one in order to determine which is best for you.
Original Medicare
Original Medicareincludes Part A and Part B coverage. It’s available to anyone eligible for Medicare. Each part covers different services.
Part Acovers hospital or inpatient care, including:
- care when you are admitted to a hospital
- 临终关怀
- 有限的coverage ofskilled nursing facility care
- 有限的home healthcare
Part Bcovers outpatient and preventive care, including:
- doctor’s appointments
- screenings or diagnostic tests
- 预防保健, such as vaccines and annual wellness checks
- qualifyingdurable medical equipment
医疗保险Advantage in Connecticut
私人保险公司与Medicare合同，将原始Medicare下的所有覆盖范围捆绑到Medicare Advantage（C部分）plans. Many of these plans also include prescription drug coverage, as well as additional coverage for things likevision,dental, orhearing.
To get a Medicare Advantage plan, you must first enroll in original Medicare (parts A and B). Then, you can select from available Medicare Advantage plans in your area by comparing costs and coverage options.
以下保险公司在康涅狄格州提供Medicare Advantage计划：
- aetna医疗保险
- AnthemBlue Cross and Blue Shield
- CarePartners of Connecticut
- ConnectiCare
- UnitedHealthcare
- Wellcare
Your choice of plans will vary depending on where you live in Connecticut, as not all plans are available in every area.
医疗保险supplement plans in Connecticut
如果您需要根据原始Medicare支付费用的帮助（补充保险单）（Medigap plan） 可以帮忙。有10种不同的MEDIGAP计划涵盖了各种自付额，共同保险和共付额的组合。
Many companies offer Medigap plans in Connecticut. In 2022, some of the companies offering Medigap plans throughout the state include:
- AARP- 联合医疗保健
- AnthemBlue Cross and Blue Shield– Connecticut
- Cigna
- 殖民地宾夕法尼亚州
- Humana
- USAA
But you can’t enroll in both Medigap and Medicare Advantage. You must choose one or the other if you want this additional coverage.
You’re eligible for Medicare in Connecticut if you:
- 年龄65岁或以上
- are a citizen of the U.S. or a legal resident for 5 or more years
If you are not 65 years old, you can also qualify for Medicare if you:
- received Social Security Disability Insurance (SSDI) or Railroad Retirement Board (RRB) benefits for at least 24 months
- haveamyotrophic lateral sclerosis (ALS)
- haveend stage kidney disease (ESRD)
- received a kidney transplant
我什么时候可以参加Medicare Connecticut计划？
除非您遇到要自动注册的资格，否则您必须在正确的期限内注册Medicare。
Initial enrollment period
Your initial enrollment period begins 3 months before the month of your 65th birthday then continues through your birthday month and for 3 months after.
If possible, sign up before you turn 65, so your benefits begin in your birthday month. If you wait until later in the initial enrollment period, your benefit start date could be delayed.
Special enrollment periods
Special enrollment periodsallow you to sign up for Medicare outside of standard enrollment windows. They occur when you lose your health coverage for a qualifying reason, such as losing employer-sponsored coverage when you retire or moving out of your plan’s coverage area.
Annual enrollment periods
- 一般入学（1月1日至31日）。如果您错过了最初的入学期，则可以在一般入学期间每年注册；但是，如果您错过了初次入学，并且没有其他承保范围（例如雇主赞助的计划），则您的承保范围将要等到7月1日开始。在一般入学期间，您可以注册原始Medicare（A和B部分）或在原始Medicare和Medicare Advantage计划之间进行切换。
- 医疗保险Advantage open enrollment（1月1日至31日）.During this time, you can change your Medicare Advantage plan or drop your plan and switch to original Medicare instead.
- 医疗保险open enrollment(Oct. 15–Dec. 7).Duringopen enrollment, you may change your coverage for original Medicare, as well as sign up for or change Part D coverage. If you didn’t sign up for Part D during your initial enrollment period and you didn’t have other coverage (such as an employer plan), you may pay a lifetime late sign-up penalty.
Tips for enrolling in Medicare in Connecticut
Before you decide which Medicare plan is right for you, review each one carefully to see if it:
- includes the doctors and facilities where you want to get care
- has affordable premiums, deductibles, copays, and coinsurance
- ishighly ratedfor quality care and patient satisfaction
These resources can help you get more information about Medicare in Connecticut.
Connecticut Insurance Department(860-297-3900)
- Information on Medicare, Medicare supplement, and other resources
- 医疗办公室倡导者
Connecticut CHOICES（800-994-9422）
- Counseling and servicesfor Medicare assistance (SHIP)
- Get help paying for Medicare
Other sources of help include:
- MyPlaceCT.This is a virtual “No Wrong Door,” a资源适用于康涅狄格州社会服务部赞助的老年人和残疾人。
- 医疗保险.Visit the医疗保险websiteor call 800-633-4227 to speak to a person trained to help you navigate Medicare.
- State Health Insurance Assistance Program (SHIP) Connecticut.SHIPoffers outreach, information, referrals, counseling, eligibility screening, and more for Connecticut residents.
- More than 700,000 Connecticut residents are enrolled in Medicare.
- There are several private insurance companies offering various types of Medicare Advantage and Medigap plans throughout the state.
- Overall, monthly premium costs have decreased for 2022 Medicare Advantage plans in Connecticut.
- There are also several Medigap plan options if you live in Connecticut and are looking for additional coverage.