Medicare Advantage Plans in Connecticut
Medicare Advantage plans bundle your Medicare coverage into one private plan, often with drug coverage included. We help Connecticut residents compare networks, drug lists and total costs.
How Medicare Advantage works
A Medicare Advantage plan, also called Part C, is offered by a private insurance company approved by Medicare. It replaces Original Medicare as the way you get your Part A and Part B benefits. You still pay your Part B premium, and the plan may charge its own premium as well.
Most Medicare Advantage plans include Part D prescription drug coverage. Many also offer some dental, vision or hearing benefits, which Original Medicare does not cover. What each plan includes varies, so it pays to compare.
Networks and plan types
Most plans in Connecticut are HMOs or PPOs. An HMO generally requires you to use doctors and hospitals in its network and may require referrals to see a specialist. A PPO lets you go out of network, usually at a higher cost. Many plans also require prior authorization for certain services.
Before choosing a plan, confirm that your primary care doctor, your specialists and the hospital you would want to use are all in its network for the coming year. Networks can change every year.
Out-of-pocket limit
Unlike Original Medicare, every Medicare Advantage plan has a yearly limit on what you pay for covered medical services. For 2026, that limit can be no higher than $9,250 for in-network care, and many plans set it lower. Once you reach it, the plan pays 100% of covered services for the rest of the year.
When you can enroll or switch
You can join a plan during your Initial Enrollment Period around your 65th birthday. After that, the Annual Enrollment Period runs from October 15 to December 7, with coverage starting January 1. If you are already in a Medicare Advantage plan, you can make one change from January 1 to March 31. Certain events, such as moving out of your plan’s service area, open a Special Enrollment Period.
Connecticut residents have one more option. Because Medicare Supplement policies here are guaranteed issue all year, you can leave Medicare Advantage for Original Medicare with a Medicare Supplement plan without health questions.
Plans for people with Medicare and Medicaid
If you qualify for both Medicare and Medicaid, a Dual Eligible Special Needs Plan, or D-SNP, may give you extra benefits at little or no cost. We can check whether you qualify.
How we help
We compare Medicare Advantage plans from the insurers we represent, run your prescriptions through each plan’s drug list, and check your doctors against each network. Read our guide to Medicare Supplement vs. Medicare Advantage in Connecticut, or call The Jones Group at (860) 529-3788.
Medicare Advantage Questions
Do Medicare Advantage plans include drug coverage?
Most do. Plans that include Part D are called MA-PD plans. If a plan does not include drug coverage, check whether you can add a separate drug plan before you enroll.
Is there a limit on what I pay with Medicare Advantage?
Yes. Every Medicare Advantage plan has a yearly out-of-pocket limit for covered medical services. For 2026, it can be no higher than $9,250 for in-network care.
Can I keep my doctors?
Only if they are in the plan’s network. We check your doctors and hospital against each plan before you enroll.
Can I switch back to Original Medicare?
Yes, during the Annual Enrollment Period or the January to March Medicare Advantage Open Enrollment Period. In Connecticut, you can also buy a Medicare Supplement plan without health questions.
Ready to Talk? Contact Us When You're Ready.
When you’re ready to take the next step in securing your future, The Jones Group is here for you. Whether you have questions about Medicare, Group Employee Benefits, or any other insurance need, our friendly team is ready to assist you. Contact us today to start the conversation and discover how we can tailor insurance solutions to meet your unique requirements. We’re here to help when you’re ready. At The Jones Group we do not charge you a fee for a review.
