Finding the right prescription drug health insurance plan can be difficult, especially when residents in each of Connecticut’s eight counties have many options. Check out the top plans in the state and learn what you can expect to pay for coverage. 

Nearly one-fifth of Connecticut residents are Medicare beneficiaries with a host of coverage options to find their best-fit coverage. Among those options are Medicare Part D prescription drug plans.

Enrollment in prescription drug coverage helps make prescription costs more affordable, especially if you take maintenance medications. Researching at the start of eligibility can help you find a plan that matches your needs before speaking with insurance companies.

Navigating your prescription drug Medicare coverage options doesn’t have to be difficult. Compare your options online in one place with the Insurify Medicare comparison tool.

 

 

What Are the Best Medicare Drug Plans in Connecticut?

As a starting point for finding the best drug plan option, see the top eight plans for Connecticut residents below. The top plans were selected based on costs such as monthly premiums, yearly deductibles, and prescription co-payments, and coinsurance. Each plan’s Medicare star rating was also considered.

While drug plans cover prescription drugs—both brand-name and generic drugs—you’ll have to check the plan’s formulary to know which prescriptions are included. The formulary shows covered drugs and well as which drug tiers they fall under, which determines the cost.

#1 Blue MedicareRx Premier S2893-003 (PDP)

    • Premium: $135
    • Deductible: $0
    • Star rating: 4.5/5

Surprisingly, the first plan has the highest monthly premium on the list. However, it’s also one of only two plans with a $0 deductible. Tier 1 drug co-pays are $1–-$18, Tier 2 are $7–-$36, and Tier 3 are $30–-$120. Tier 4 drugs require 35–-45 percent coinsurance, and Tier 5 require 33 percent coinsurance.

In the gap coverage phase, where drugs usually require 25 percent coinsurance, Tier 1 drugs require $1–-$18 co-pays, and Tier 2 require $7–-$36. 

#2 Blue MedicareRx Value Plus S2893-001 (PDP)

    • Premium: $50.50
    • Deductible: $445
    • Star rating: 4.5/5

This plan’s drug costs are a bit higher than those of the previous MedicareRx plan. Tier 1 drug co-pays are $1–-$18, Tier 2 are $6–-$60, and Tier 3 are $36–-$141. Tier 4 drugs require 40–-50 percent coinsurance, and Tier 5 require 25 percent coinsurance.

#3 WellCare Classic S4802-076 (PDP)

    • Premium: $31
    • Deductible: $445
    • Star rating: 4/5

The three WellCare plans on the list have the lowest premiums, and this one has the highest of the three. Tier 1 drugs have $0–-$6 co-pays, Tier 2 have $2–-$18 co-pays, and Tier 3 have $30–-$105 co-pays. Tier 4 drugs require 34–-44 percent coinsurance, and Tier 5 require 25 percent coinsurance.

#4 WellCare Value Script S4802-137 (PDP)

    • Premium: $16.20
    • Deductible: $445
    • Star rating: 4/5

This plan’s drug costs are a bit higher than those of the previous plan. Tier 1 drug copays are $0–-$15, Tier 2 are $8–-$39, and Tier 3 are $43–-$141. Tier 4 drugs require 47–-50 percent coinsurance, and Tier 5 requires 25 percent coinsurance.

#5 WellCare Wellness Rx S4802-171 (PDP)

    • Premium: $14.40
    • Deductible: $445
    • Star rating: 4/5

Of all the plans on the list, this one has the lowest monthly premium. It has $0–-$24 Tier 1 co-pays, $8–-$45 Tier 2 co-pays, and $40–-$141 Tier 3 co-pays. Tier 4 drugs require 46–-50 percent coinsurance, and Tier 5 requires 25 percent coinsurance.

#6 AARP MedicareRx Preferred S5820-002 (PDP)

    • Premium: $86
    • Deductible: $0
    • Star rating: 3.5/5

If you’re looking for a plan option with a $0 deductible, this is the second one option on the list. Its Tier 1 drug costs are $5–-$45, Tier 2 are $10–-$60, and Tier 3 are $45–-$141. Tier 4 drugs require 40–-45 percent coinsurance, and Tier 5 requires 33 percent coinsurance. Some Tier 2 drugs require $0–-$60 co-pays in the gap coverage phase instead of the standard 25 percent coinsurance.

#7 AARP MedicareRx Saver Plus S5921-348 (PDP)

    • Premium: $31.90
    • Deductible: $445
    • Star rating: 3.5/5

This plan’s Tier 1 drug costs are $1–-$18, Tier 2 are $5–-$30, and Tier 3 are $31–-$108. Tier 4 drugs require 40 percent coinsurance, and Tier 5 drugs require 25 percent coinsurance.

#8 AARP MedicareRx Walgreens S5921-385 (PDP)

    • Premium: $37.90
    • Deductible: $445
    • Star rating: 3.5/5

Tier 1 drug co-pays for the final plan on the list are $0–-$45, Tier 2 are $6–-$60, and Tier 3 are $40–-$141. Tier 4 drugs require 40–-45 percent coinsurance, and Tier 5 requires 25 percent coinsurance. Some Tier 2 drugs in the gap coverage phase require $6–-$60 co-pays instead of the standard 25 percent coinsurance.

Want to see all of the options in your service area? Put your ZIP code in the Insurify Medicare comparison tool to get started!.

How Much Does Medicare Part D Coverage Cost in Connecticut?

Purchasing a Medicare drug plan doesn’t have to be a major expense. In 2021, the average cost for a monthly plan premium is $32, and annual deductibles can’t be higher than $445.

Prescription costs during the year depending on which phase of the plan you’re in. The initial coverage phase kicks in once you’ve met your plan deductible, and it lasts until you reach the $4,130 initial coverage limit. In this phase, you’ll pay costs like the ones mentioned above for the top plans. 

The catastrophic phase begins once you reach the out-of-pocket max of $6,550. In this phase, you’ll pay very low drug co-pays

The coverage gap between these two phases, also known as the “donut hole,” typically requires you to pay 25 percent coinsurance for generic and brand-name drugs.

If you’re looking for help covering plan costs, you may qualify for the Low-income Subsidy, also known referred to as “Extra Help.” This program can help you pay costs such as plan premiums, co-pays or coinsurance, and/or the yearly deductible. Learn more about qualifying for Extra Help on the Social Security Administration website, SSA.gov.

What Is Medicare Part D Coverage?

Part D coverage helps cover the costs of your medications in exchange for meeting plan costs, such as a monthly premium, yearly deductible, and prescription co-pays or coinsurance. This type of healthcare insurance is best suited for someone who takes regular medications or for anyone looking to be better prepared for the future. 

Typically, you’re eligible for a plan once you become eligible for Medicare, and the eligibility window lasts for seven months. As a disclaimer, you can still enroll afterward, but you could be subject to a late- enrollment penalty that you’ll have to pay monthly along with the premium.

What Types of Medicare Drug Plans Are Available in Connecticut?

If you’re interested in prescription drug coverage, you have two options. You can either purchase a stand-alone prescription drug plan, or you can select other Medicare coverage that includes drug coverage.

A stand-alone drug health plan can accompany Original Medicare (Medicare Part A and Part B), or you can also obtain it alongside other coverage, like cost plans, some private fee-for-service plans, and medical savings account plans.

If you’re looking for more comprehensive coverage, consider Medicare Advantage plans. MA plans bundle Original Medicare with other benefits like vision, dental, or hearing benefits, or outpatient services like skilled nursing facility care. Some MA plans include drug coverage as well.

FAQ: Connecticut Medicare Part D

Which prescription drug plan is best?

The best plan for you will depend on your budget and health needs. However, a few of the plans above stand out from the rest.

If you’re looking for a plan with a $0 deductible that can offer benefits more quickly, consider the first andor sixth plans on the list. Of the two, the first plan has lower drug costs, but the second has a lower monthly premium.

If prescription and premium costs are your biggest concern, consider one of the WellCare plans. Those plans usually offer a nice balance of premium costs and co-pay or coinsurance requirements.

I have Medicare Supplement Insurance, but I also want to enroll in a drug plan. Can I have both plans at the same time?

Medicare Supplement plans (Medigap plans) can be compatible with drug plans so long as the Medigap plan doesn’t have drug coverage. If it does, you can still have both plans. However, your plan provider will need to remove the drug coverage from your Medigap plan.

Learn more about Medigap plan requirements at Medicare.gov. You can also find contact information on the site to discuss your specific situation with a Medicare representative (with support for TTY users).

I receive Medicaid benefits. Can I also enroll in a prescription drug plan?

If you meet requirements for Medicare and Medicaid at the same time, it’s possible to be dual-eligible and enroll in both (including Medicare prescription drug plans). You can learn more about qualifying for both types of coverage on the Centers for Medicare & Medicaid Services website, CMS.gov.

Conclusion: Compare Plans to Save Yourself Time and Money

Prescription drug plans are provided by private insurance companies, which means they can vary greatly regarding plan costs and covered prescriptions can vary greatly. Doing your research on the best plans to fit your needs and budget can better prepare you to talk with an insurance agent and pick the best option.

Although there’s a lot to consider, comparing your options doesn’t have to be a headache. Using online tools to see your options side-by-side can be a great start to finding the right plan.

Comparing insurance plans is easier than ever with the help of the Insurify Medicare comparison tool. Try it out today, and see all your options in one place.

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Updated June 8, 2021

Jasmine Fleming is a freelance digital content marketer and strategist. She loves crafting helpful content that readers can use to make important decisions. You can learn more about Jasmine at her website, www.jasminefleming.com.