Although someone or couple may have Medicare and belong to Connecticare (or their state's other assistance) as well, there may be a co-pay of $550 (or other fee). People who plan ahead with a Health Savings Account may pay the co-pay due through the HSA account.
Online help or call support from agencies may give details and ideas (as they are allowed to do so legally.) For instance Medigap insurance through AARP may be one of the best insurance to have once you are on Medicare someone was told. However the monthly premiums are much higher for that.