ConnectiCare Medicare Advantage Plans for 2025

Key Takeaways

• ConnectiCare provides multiple Medicare Advantage options in Connecticut, such as HMO, Flex (HMO-POS), and special needs plans, each offering different coverage levels and costs.
• Most ConnectiCare Medicare Advantage offerings include Part D drug coverage, using a formulary with tiered pricing that depends on medication type and pharmacy choice.
• The plans cover at least the same services as Original Medicare, and several plans add extra benefits like dental, vision, fitness programs, and allowances for over-the-counter medical supplies.

ConnectiCare is a managed care organization and a subsidiary of EmblemHealth, a New York-based insurer. The company provides Medicare Advantage (Part C) plans to Connecticut residents.

ConnectiCare has served people in the state for over 40 years and maintains a network that includes every hospital in Connecticut.

The ConnectiCare network of providers — primary care physicians and specialists — is spread across Connecticut and parts of Western Massachusetts.

ConnectiCare clinicians also practice in four New York counties: Westchester, Orange, Putnam, and Rockland.

ConnectiCare Medicare Advantage plan options

ConnectiCare markets four categories of Medicare Advantage plans. The following sections summarize what each type includes.

ConnectiCare HMO plans

ConnectiCare Choice

As with typical Health Maintenance Organization (HMO) plans, ConnectiCare Choice plans cover care only when you use in-network providers, pharmacies, and hospitals.

There are three Choice tiers, labeled 1, 2, and 3. Each tier has distinct cost structures and benefit levels. All three choices are offered across all eight Connecticut counties.

Plan 1 and Plan 3 include Medicare Part D prescription coverage. Plan 2 does not.

ConnectiCare Passage

ConnectiCare Passage is offered as a single plan. Its distinguishing feature is a $3,000 hearing aid allowance.

The Passage plan is available in every Connecticut county and includes prescription drug coverage.

ConnectiCare Flex

ConnectiCare Flex plans are HMO plans with a Point of Service (POS) option, allowing you to access out-of-network providers anywhere in the U.S. when needed.

There are two Flex tiers: Flex plan 2 and Flex plan 3. Both are available across all eight counties in Connecticut.

Flex Plan 3’s monthly premium varies depending on the county where you reside.

ConnectiCare special needs plans

ConnectiCare Choice Duals

This Dual-Eligible Special Needs Plan (D-SNP) serves Connecticut residents who qualify for both Medicare and the state Medicaid program, referred to as HUSKY Health .

The D-SNP is offered in all eight Connecticut counties and includes prescription drug coverage.

ConnectiCare Part D options

ConnectiCare does not sell standalone Part D plans, but most of its Medicare Advantage plans include prescription drug benefits.

To receive the most favorable coverage for medications, you should use ConnectiCare’s in-network pharmacies.

As with other Medicare drug plans, ConnectiCare’s HMO and HMO-POS plans use a formulary.

A formulary is a list of covered medications arranged into tiers. These tiers reflect different drug categories or types, and each tier can carry different out-of-pocket costs, deductibles, and copays.

ConnectiCare’s formulary may include up to six tiers. Drug copayments vary by tier and whether you use a standard or preferred pharmacy, with preferred pharmacies typically costing less.

What areas offer ConnectiCare Medicare Advantage plans?

ConnectiCare Medicare Advantage plans are offered exclusively to Connecticut residents. You must also be eligible for Medicare to enroll.

These plans are available in all eight Connecticut counties.

What do ConnectiCare Medicare Advantage plans cover?

ConnectiCare Medicare Advantage plans are required to provide coverage that is at least equivalent to Original Medicare (Part A and Part B).

Covered services include:

• inpatient hospital care
• hospice services
• limited skilled nursing facility care
• limited home health services
• emergency ambulance transport
• durable medical equipment
• outpatient preventive and medically necessary care
• screenings for conditions such as diabetes, heart disease, certain cancers, depression, and substance use disorder
• influenza and pneumonia vaccinations

Certain ConnectiCare plans offer extra benefits, such as:

• preventive or comprehensive dental services
• prescription drug coverage
• vision care and an eyewear allowance
• fitness program access
• Teladoc telehealth services
• emergency care needed while abroad
• SilverSneakers membership
• an allowance for over-the-counter medical items

How much do ConnectiCare Medicare Advantage plans cost?

Premiums, copays, and deductibles for ConnectiCare plans can differ by county. The table below shows example 2025 pricing for seven ConnectiCare Medicare Advantage plans in Bristol, CT:

What is Medicare Advantage (Medicare Part C)?

Medicare Advantage (Part C) plans are bundled coverage options run by private, Medicare-approved insurers. To enroll in a Medicare Advantage plan, you must first have Original Medicare.

By law, Medicare Advantage plans must provide at least the same benefits as Original Medicare, and many plans — including some from ConnectiCare — add extras not covered by Original Medicare. These extras can include:

• prescription drug coverage
• vision benefits
• dental coverage

Availability of Medicare Advantage plans depends on your state, county, and ZIP code. Use Medicare’s plan finder tool  to view plans for your ZIP code.

Medicare Advantage plans commonly require you to see providers within their network. If you want to keep your current Medicare-accepting doctors, verify they participate in the plan you’re considering before enrolling.

The takeaway

ConnectiCare offers Medicare Advantage plans to residents of Connecticut, with coverage available in all eight counties.

Plan costs, copays, and covered benefits differ among ConnectiCare options. Some — but not all — ConnectiCare Medicare Advantage plans include prescription drug coverage.