Medicare Supplement Plan G in Connecticut: 2026 Rates and Guide

This guide covers Medicare Supplement Plan G in Connecticut: average 2026 premiums by age, Connecticut's rating rules, top insurers, and how to enroll with the best protection available in your state.

Plan G Coverage Overview

Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare beneficiaries. It covers all Original Medicare cost-sharing except the annual Part B deductible ($283 in 2026). After you pay that deductible once per year, Plan G pays 100% of all Medicare-approved costs for the remainder of the year.

Plan G benefits are federally standardized; every insurer selling Plan G in Connecticut must provide identical coverage. The only variable between insurers is the monthly premium and their premium increase history over time.

What Plan G Covers

• Part A coinsurance & hospital costs (up to 365 days after Medicare): ✓ Fully covered
• Part A deductible ($1,736 in 2026): ✓ Fully covered
• Part A hospice care coinsurance or copayment: ✓ Fully covered
• Part B coinsurance or copayment (20% of outpatient costs): ✓ Fully covered
• Part B deductible ($283 in 2026): ✗ Not covered (you pay this cost) (The only cost you pay: $283 in 2026)
• Part B excess charges (above Medicare-approved amount): ✓ Fully covered
• Skilled nursing facility care coinsurance: ✓ Fully covered
• Foreign travel emergency coverage (up to plan limits): ✓ Fully covered (Up to plan limits after $250 deductible; 80% covered up to $50,000 lifetime)

Source: CMS standardized Medigap benefit chart. CMS Publication 02110.

Plan G Premiums in Connecticut (2026)

Premiums for Plan G in Connecticut vary by insurer, age, gender, and tobacco use. The estimates below are for a non-smoking female. Men typically pay 5–10% more. Tobacco users may pay significantly more. These are representative starting ranges; always get current quotes directly from insurers or through Medicare.gov.

* Age 70–80 estimates use typical attained-age premium progression factors. Note: Connecticut uses community rating; your premium is the same regardless of age at enrollment. The table above shows approximate market averages and is less variable than attained-age states. Verify current rates at Medicare.gov.

How Connecticut Rates Medigap Premiums: Community Rating

Connecticut requires insurers to use community rating for Medigap policies. Under community rating, everyone enrolled in the same plan pays the same premium; your age does not determine your rate. This is a significant advantage for older Medicare beneficiaries.

While premiums in community-rated states like Connecticut may start slightly higher at age 65 compared to attained-age states, they rise much more slowly over time because you won't face automatic age-based increases. Beneficiaries who enroll at age 65 and hold their plan for many years often find community rating saves them money in the long run.

Connecticut Plan G Costs in Context

At an estimated $225/month for a 65-year-old, Plan G in Connecticut ranks #49 of 51 among states and DC from lowest to highest cost, sitting 67% above the national median of $135/month in our dataset. Connecticut is home to about 720,000 Medicare beneficiaries (#29 by enrollment), so the number of active insurers can be more limited than in the largest states.

Connecticut uses community rating, so everyone in the state pays the same premium for the same plan regardless of age. The figure shown here should stay comparable whether you enroll at 65 or later, apart from general premium trends.

Plan G vs Plan N break-even in Connecticut

Plan N costs about $40 less per month than Plan G here, or roughly $480 a year. Because Plan N can charge up to $20 per office visit and up to $50 per emergency room visit that does not lead to admission, that saving is used up after about 24 office visits or 9 ER visits in a year (the copays are maximums, so real-world break-even is often a little higher). Plan N also does not cover Part B excess charges.

Totals add twelve months of the estimated age-65 premium to the $283 Part B deductible (2026) that both plans leave to you, plus Plan N copays at their maximum. They exclude Part B premiums and Part D. Actual quotes vary by insurer, age, gender, and tobacco use.

How Connecticut compares with nearby states

Other Northeast states with similar Plan G pricing, for comparison:

Top Plan G Insurers in Connecticut

The following insurance companies are among the leading sellers of Medicare Supplement Plan G in Connecticut: Aetna, UnitedHealthcare, ConnectiCare.

Because Plan G benefits are standardized, there's no meaningful difference in what these companies cover. Your decision should be based on:

• Current premium: get quotes from all of them
• Premium increase history: ask for data from the past 3–5 years
• Financial strength rating: look for A.M. Best ratings of A- or better
• Customer service reviews: complaints per 1,000 policyholders (available from NAIC)

How to Enroll in Plan G in Connecticut

1. Confirm you're eligible: You must be enrolled in Medicare Parts A and B. Most people first become eligible at age 65.
2. Enroll during your Open Enrollment Period: Your 6-month Medigap OEP starts the month you're both age 65 and enrolled in Part B. During this window, insurers in Connecticut cannot deny you Plan G or charge more based on health conditions.
3. Compare quotes: Use Medicare.gov's Plan Finder or contact a licensed insurance broker who works with multiple companies in Connecticut.
4. Review premium increase history: Ask each insurer how much they've raised Plan G rates in Connecticut over the past 3–5 years before enrolling.
5. Pair with a Part D drug plan: Plan G does not cover prescription drugs. You'll need a separate Medicare Part D plan.

Connecticut Insurance Department

The Connecticut Insurance Department regulates insurance companies operating in Connecticut, handles consumer complaints, and can provide a list of licensed insurers selling Plan G in your area.

• Website: https://portal.ct.gov/cid
• Phone: 1-800-203-3447

If you have a complaint about a Medigap insurer operating in Connecticut, the Connecticut Insurance Department is your primary resource for resolution.

Plan G vs Plan N in Connecticut

If you're comparing Plan G and Plan N in Connecticut, here are the key numbers:

The premium difference in Connecticut is approximately $40/month at age 65. If you rarely visit the doctor and primarily see Medicare-assignment providers, Plan N may be the better value. If you have frequent medical visits or want complete cost predictability, Plan G is worth the extra premium.

Full Plan G vs Plan N comparison →