Navigate Medicare with confidence. We help Connecticut beneficiaries compare Medicare Advantage, Medigap, and Part D plans from every major carrier — free, unbiased, and CMS-compliant.
Medicare Basics
The Four Parts of Medicare (2026)
Part A — Hospital Insurance
Covers inpatient hospital stays, skilled nursing, hospice, and some home health care. Most people pay no premium. The 2026 deductible is $1,676 per benefit period.
Part B — Medical Insurance
Covers doctor visits, outpatient care, and preventive services. The standard 2026 premium is $202.90/month with a $283 deductible — then you pay 20% with no annual cap, which is why Medigap or Medicare Advantage matters.
Part C — Medicare Advantage
Private plans bundling A + B and usually drug coverage. Many Connecticut plans have $0 premiums plus dental, vision, and hearing — with annual out-of-pocket maximums of $3,000–$8,000.
Part D — Prescription Drugs
Standalone drug plans for Original Medicare. The 2026 out-of-pocket cap is $2,000 per year. Formularies change annually — your plan should be reviewed every fall.
Choose Your Path
Medicare Advantage vs. Medicare Supplement (Medigap)
There is no universally “best” option — it depends on your health, doctors, prescriptions, and travel habits. We run the numbers both ways for you, including Medigap plans.
Avoid Costly Mistakes
Enrollment Windows That Can Cost You for Life
Your 7-month IEP starts 3 months before your 65th birthday month. Missing it triggers a permanent Part B penalty of 10% per 12-month delay, added to your premium for life.
Each month without creditable drug coverage adds a permanent 1% penalty to your Part D premium. A two-year delay costs roughly $8.78/month extra — forever.
Your 6-month Medigap open enrollment (starting when Part B begins) is your one chance to buy any Medigap plan with no health questions. After it closes, you can be denied or charged more.
Medicare Advantage and Part D plans change networks, benefits, and formularies every year. We review your plan each Annual Enrollment Period (Oct 15 – Dec 7) at no charge.
How We Help — Free of Charge
- Unbiased comparison of Medicare Advantage, Medigap, and Part D from 30+ carriers
- Total cost analysis — premiums, deductibles, copays, and your actual drug costs
- Doctor & drug check — we verify your providers and prescriptions before you enroll
- Enrollment timing — avoid permanent penalties and coverage gaps
- Year-round support — claims help and annual plan reviews, not just at sign-up
Plan availability varies by county — Hartford, Fairfield, and New Haven counties each have different carrier line-ups and network strengths. We serve all 169 Connecticut towns. See also: Medicare Broker CT and Medicare Supplement plans.