Medicare Part D Plans in Connecticut

Looking for Connecticut prescription drug benefits? Enter your ZIP below to compare Medicare Advantage plans in your area that may offer prescription drug coverage.

Connecticut state

Medicare beneficiaries in the state of Connecticut may wish to know more about prescription drug coverage. After all, approximately 90 percent of people over the age of 65 take at least one drug every week, yet Original Medicare (Medicare Part A and Part B) does not provide coverage for most prescription medications.1 

Medicare beneficiaries have two primary options for obtaining coverage for prescription drugs. The first is enrolling a Medicare Advantage plan that provides such a benefit. The second option is enrolling in a standalone Medicare Part D plan.

Part D plans are used in conjunction with Original Medicare (and Medicare Advantage plans that don’t provide prescription drug benefits) to provide coverage exclusively for prescription drugs. Because these plans are sold by private insurers, each plan will include its own criteria concerning:

  • Premiums
  • Deductibles
  • Copayments or coinsurance
  • Drug formulary (the list of drugs covered by the plan)

CT Medicare Part D plans by the numbers

There were 516,578 people in the state of Connecticut enrolled in a Medicare Part D plan as of early 2018.2 

There are 22 Medicare Part D plans available in Connecticut in 2018, which is three more than were offered in 2017. Each plan is unique in terms of its cost and coverage, so it’s important to find a plan that fits your needs.

The chart below highlights some details about the cost of Part D plans in Connecticut.

Average plan premium

$47.25 ($4.98 lower than the national average of $52.23)

Lowest premium


Highest premium


Average deductible


No. of plans with a premium under $25


No. of plans with a $0 deductible


Data reflects Medicare Part D enrollment in the state of Connecticut as of 2018, as obtained from the Centers of Medicare and Medicaid Services,

Eligibility and Enrollment

If you are enrolled in both Medicare Part A and Part B, you are eligible to enroll in a Part D plan or to enroll in a Medicare Advantage plan with prescription drug coverage. Remember that not all plans are available in each state, so you may only enroll in a plan that is sold in the state in which you reside.

There are only certain times of the year in which you may sign up for a Medicare Part D plan or a Medicare Advantage plan, which are outlined below.

Initial Enrollment Period (IEP)

Your seven-month Initial Enrollment Period (IEP) begins three months before your 65th birthday, includes the month of your birthday and continues for three months after you turn 65. It typically runs concurrently with your Medicare Part B Initial Enrollment Period.

It’s important to consider that there is a Medicare Part D late enrollment penalty. You may incur this penalty if you go at least 63 continuous days without a Part D plan, a Medicare Advantage plan that offers prescription drug coverage or other creditable prescription drug coverage.

Annual Election Period

The Annual Election Period occurs from October 15 to December 7 each year. During this time, you may enroll or disenroll in a Medicare Part D plan or switch from one plan to another.

During this period, you can also enroll in a Medicare Advantage plan with prescription drug coverage, disenroll from a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

Medicare Advantage Open Enrollment Period

The Medicare Advantage Open Enrollment Period lasts from January 1 to March 31 each year. During this time, you may disenroll from a Medicare Advantage plan and return to Original Medicare coverage. If you do so during this period, you can also enroll in a Medicare Part D prescription drug plan.

During this enrollment period, you can also switch from one Medicare Advantage plan to another, whether or not either plan offers prescription drug coverage.

Special Enrollment Period

A Special Enrollment Period may be granted under certain circumstances under which you can enroll in a Medicare Part D plan or in a Medicare Advantage plan. These specific circumstances can include but are not limited to: moving out of your current plan’s service area, losing your current coverage or moving into a long-term care facility.

5-Star Special Enrollment Period

There is also a 5-Star Special Enrollment Period, which runs from December 8 to November 30 each year. If you are enrolled in a Part D plan or a Medicare Advantage plan that does not have a 5-star rating, you can use this time to switch to one that does, as long as one is available in your area.4

Connecticut’s CHOICES Program

CHOICES, or the Connecticut Health Insurance Assistance, Outreach, Information, Referral, Counseling and Eligibility Screening program, provides Medicare enrollment and benefits assistance to residents age 60 and over. The program may be contacted at 800-994-9422.     

You can also explore more information about the insurance industry in Connecticut by visiting the state’s Department of Insurance website.


1 Ruscin, Mark and Linnebur, Sunny. Aging and Drugs. Merck Manual. Retrieved from
2 Cubanski, Juliette; Damico, Anthony and Neuman, Tricia. Medicare Part D in 2018: The Latest on Enrollment, Premiums and Cost Sharing. May 17, 2018. Kaiser Family Foundation. Retrieved from
3’s internal analysis of CMS 2018 Prescription Drug Plan (PDP) Landscape Source Files. May 2018.
4 Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next.

Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.