Medicare in Bristol, Connecticut — Complete 2025 Guide

Bristol, Connecticut is a city of approximately 60,000 people tucked into Hartford County, and roughly 9,800 of its residents are age 65 or older — a number that grows every year as the Baby Boomer generation continues to reach Medicare eligibility. Whether you live in the Forestville neighborhood near the Tunxis River, in the West End close to Route 6, or along the Wolcott Road corridor, you are almost certainly surrounded by neighbors navigating the same Medicare questions you have right now.

Medicare is not simple. There are enrollment windows that, if missed, can saddle you with permanent late penalties. There are four distinct parts, dozens of plan types, and a rotating cast of carriers that enter or exit the Bristol market every year. This guide is written specifically for Bristol residents — not generic Medicare content — and it covers every major decision you will face, from your Initial Enrollment Period to the Annual Enrollment Period each fall, with Connecticut-specific rules and local healthcare context woven throughout.

Joseph Antonucci of We Find Your Insurance has held Connecticut License #21658409 since 2019 and has helped Hartford County residents navigate these exact decisions. The information below reflects 2025 plan year data and Connecticut regulatory requirements.

What Is Medicare? (Bristol Context)

Medicare is the federal health insurance program for Americans age 65 and older, as well as certain younger individuals with qualifying disabilities or end-stage renal disease. It is funded through payroll taxes you paid throughout your working life, monthly premiums, and general federal revenues. Unlike employer-sponsored insurance, Medicare does not automatically “turn on” when you hit 65 — you must actively enroll, and when you enroll matters enormously.

For Bristol residents specifically, Medicare is the primary mechanism through which the city’s nearly 9,800 seniors access healthcare at Bristol Hospital, through Hartford HealthCare’s extensive provider network, and at the numerous CVS Pharmacy and Walgreens locations scattered across the 06010 and 06011 ZIP codes. Bristol’s cost of living sits right at the national average — a cost of living index of 100 — which means the premiums and out-of-pocket costs you read about nationally are roughly accurate for what you will experience here. This is different from, say, a high-cost urban center where cost-of-living adjustments dramatically shift what “affordable” means.

With a median home price of approximately $225,000, most Bristol seniors are homeowners with fixed assets but income that is primarily derived from Social Security, pensions, or retirement accounts. Choosing a Medicare plan that controls monthly cash outflow — without leaving you exposed to catastrophic out-of-pocket costs — is therefore a practical priority, not just an abstract financial concern.

Medicare eligibility also extends to residents of nearby cities who may use Bristol’s medical facilities. If you live in Plainville, Southington, Burlington, Terryville, or Plymouth and are reading this guide, many of the same carriers and network considerations apply to you.

Types of Medicare Available in Bristol

There are four distinct components to Medicare. Understanding what each one does — and what it does not do — is the foundation of every good coverage decision.

Original Medicare: Part A and Part B

Medicare Part A covers inpatient hospital care, skilled nursing facility care following a qualifying hospital stay, hospice, and some home health services. Most Bristol residents who worked and paid Medicare taxes for at least 40 quarters (10 years) pay $0 per month for Part A. If you have fewer qualifying quarters, the premium can run up to $505 per month in 2025. The Part A deductible in 2025 is $1,676 per benefit period — not per year — which means a second hospitalization in the same year can trigger a second deductible.

Medicare Part B covers outpatient medical services: doctor visits, lab work, diagnostic imaging, durable medical equipment, preventive care, and outpatient surgery. The standard Part B premium for 2025 is $185.00 per month, though higher-income enrollees pay more through the Income-Related Monthly Adjustment Amount (IRMAA). The Part B annual deductible is $257 in 2025, after which Medicare pays 80 percent of approved charges and you pay the remaining 20 percent — with no cap on that 20 percent, which is why most Bristol residents add supplemental coverage.

Medicare Advantage (Part C)

Medicare Advantage plans are offered by private insurers approved by Medicare. They bundle Part A and Part B benefits into a single plan and typically include Part D prescription drug coverage as well. Most Medicare Advantage plans in Bristol have low or $0 monthly premiums, but they use network restrictions — HMO plans require you to stay in-network for most care, while PPO plans give you more flexibility at higher cost-sharing. Many plans include extra benefits such as dental, vision, hearing, and fitness memberships that Original Medicare does not cover.

Medicare Supplement (Medigap) Plans A–N

Medigap plans are sold by private insurers to cover the “gaps” in Original Medicare — the deductibles, coinsurance, and copays that Part A and Part B leave behind. Connecticut allows insurers to sell Medigap Plans A, B, C, D, F, G, K, L, M, and N. Plan F and Plan C are only available to people who became Medicare-eligible before January 1, 2020. Plan G is currently the most comprehensive plan available to new enrollees, covering the Part A deductible, Part B coinsurance, skilled nursing coinsurance, and foreign travel emergency care. Plan N is a lower-premium alternative that requires copays for some office visits and emergency room visits.

Medigap plans do not include Part D drug coverage — you must purchase a standalone Part D plan separately if you choose Original Medicare plus a Medigap policy.

Part D Prescription Drug Plans

Part D plans cover prescription medications through a network of pharmacies. In Bristol, that network typically includes the five-plus CVS Pharmacy locations and four-plus Walgreens locations within or near the city, as well as the Stop & Shop Pharmacy. Each Part D plan has a formulary — a list of covered drugs organized into tiers — and the monthly premium, deductible, and copay structure varies significantly between plans. Choosing the wrong Part D plan based on your specific medications can cost you hundreds of dollars per year in unnecessary out-of-pocket expenses.

Medicare Plan Comparison Table

How Much Does Medicare Cost in Bristol?

One of the most common questions Bristol residents ask is simply: what will I actually pay? The answer depends on which combination of Medicare parts and plans you choose, your income, and how much healthcare you use in a given year. Here is a realistic breakdown.

Original Medicare Alone

If you take only Original Medicare (Parts A and B) and add no supplemental coverage, your baseline monthly cost in 2025 is approximately $185 for the Part B premium. However, your exposure is significant: the $257 Part B deductible, 20 percent coinsurance on all outpatient services with no annual cap, and the $1,676 Part A hospital deductible per benefit period. A single hospital stay at Bristol Hospital without supplemental coverage could easily result in thousands of dollars in cost-sharing. For this reason, most Bristol residents do not remain on Original Medicare alone.

Original Medicare + Medigap Plan G + Part D

This is historically the most comprehensive approach. A typical Medigap Plan G premium in Connecticut for a 65-year-old non-smoker ranges from roughly $120 to $220 per month depending on the carrier and your specific profile. Add the $185 Part B premium and a Part D plan premium of $15 to $50 per month, and your total monthly baseline runs approximately $320 to $455. In exchange, your out-of-pocket exposure is limited to the Part B deductible ($257 annually) and your drug copays. For Bristol residents who visit specialists frequently or have complex health conditions managed through Hartford HealthCare’s network, this predictability often justifies the higher premium.

Medicare Advantage Plans

Many Bristol-area Medicare Advantage plans carry a $0 additional premium beyond the Part B premium you continue to pay regardless. Your total baseline monthly cost is $185 (Part B) plus $0 to $80 for the Advantage plan itself. However, these plans use copays — typically $0 to $10 for primary care, $30 to $50 for specialists, and $250 to $400 per inpatient day — and have an annual out-of-pocket maximum that typically ranges from $3,400 to $8,300 in 2025. For relatively healthy Bristol residents who do not anticipate heavy healthcare use, Medicare Advantage can deliver significant savings. For those with chronic conditions requiring frequent specialist visits or hospitalizations, the math often favors a Medigap approach.

Cost of Living Perspective

Bristol’s cost of living index of 100 means you are operating at exactly the national average. With a median home price of $225,000, many Bristol seniors have built equity but face property taxes that can run $4,000 to $6,000 annually — a meaningful fixed cost. Selecting a Medicare plan with a predictable, fixed monthly premium often makes more financial sense for Bristol homeowners than choosing a low-premium plan with unpredictable out-of-pocket exposure.

Income-Based Adjustments

If your income exceeds $106,000 as a single filer or $212,000 jointly (2025 IRMAA thresholds), you will pay higher Part B and Part D premiums. If your income and assets are low enough to qualify for Connecticut Medicaid (HUSKY Health), you may qualify for dual eligibility — more on that below. The Low Income Subsidy (LIS), also called Extra Help, can dramatically reduce Part D costs for qualifying Bristol residents.

Connecticut-Specific Rules for Medicare

While Medicare is a federal program, Connecticut has layered on several state-specific protections and resources that Bristol residents should know about.

CT State Health Insurance Assistance Program (SHIP)

Connecticut’s SHIP program offers free, unbiased Medicare counseling through trained volunteers across the state. Bristol residents can reach SHIP at 1-800-994-9422. SHIP counselors do not sell insurance — they can help you understand your options, review plan comparisons, and assist with enrollment paperwork at no cost. This is a genuinely valuable resource, particularly for first-time enrollees.

Connecticut Medigap Open Enrollment Protections

During your six-month Medigap Open Enrollment Period — which begins the month you are both age 65 and enrolled in Part B — Connecticut insurers are required to sell you any Medigap plan they offer without medical underwriting. This means pre-existing conditions cannot be used to deny you coverage or increase your premium during this window. Connecticut’s protections align with federal minimums in this area, making it critical that you act during your Open Enrollment Period rather than waiting.

Connecticut Insurance Department

The Connecticut Insurance Department (CID), accessible at ct.gov/cid, regulates all Medicare Supplement and Medicare Advantage plans sold in Connecticut. If you have a complaint about a carrier — billing errors, claim denials, or network adequacy issues — the CID is your first line of escalation after the insurer’s internal appeals process. Bristol residents can file complaints online or by phone through the CID’s Consumer Affairs division.

Access Health CT

Connecticut’s state insurance marketplace at accesshealthct.com is primarily designed for non-Medicare coverage, but it is the correct platform for Bristol residents under 65 who are transitioning to Medicare and need to understand how their current Marketplace plan interacts with Medicare eligibility. Becoming eligible for Medicare typically means you should transition off a Marketplace plan — keeping both can create coverage coordination complications.

CT Life and Health Insurance Guaranty Association

If a Medigap carrier becomes insolvent, the Connecticut Life & Health Insurance Guaranty Association provides a backstop for policyholders — typically up to $500,000 in health insurance benefits. This protection applies to Medigap plans issued in Connecticut but does not apply to Medicare Advantage plans, which are backed by the federal Medicare program itself.

Dual Eligibility: Medicare and Medicaid

Bristol residents who qualify for both Medicare and Connecticut Medicaid (HUSKY Health for seniors and people with disabilities) are considered “dual eligible.” Connecticut offers Dual Eligible Special Needs Plans (D-SNPs) through several carriers that coordinate both programs into a single card, often with $0 premiums and $0 or very low cost-sharing. If you believe you may qualify based on income and assets, contact Connecticut’s Department of Social Services at 1-855-626-6632 or visit a local DSS office.

Bristol Healthcare Landscape and Its Impact on Your Medicare

Your Medicare plan only works as well as the providers and pharmacies in your community that accept it. Bristol’s healthcare infrastructure is anchored by several key institutions, and understanding how they interact with different Medicare plan types is essential.

Bristol Hospital

Bristol Hospital, located on Brewster Road, is the city’s primary acute care facility and a member of the Hartford HealthCare system. It offers emergency services, inpatient medical and surgical care, cardiac services, orthopedics, cancer care, and behavioral health services. Under Original Medicare, Bristol Hospital accepts Medicare assignment, meaning you will pay standard Medicare cost-sharing there regardless of which supplemental plan you have. Under Medicare Advantage, you must verify that Bristol Hospital is listed as an in-network provider for your specific plan before enrolling — HMO plans in particular can restrict access to specific facilities, and an out-of-network hospital stay can result in dramatically higher cost-sharing.

Hartford HealthCare Network

Hartford HealthCare is the dominant healthcare network in the region and operates Bristol Hospital as part of its system. Most major Medicare Advantage carriers operating in Hartford County include Hartford HealthCare providers in their preferred networks, but the specifics vary by plan and year. If you have established relationships with Hartford HealthCare-affiliated physicians and specialists, confirming network inclusion should be a primary criterion when selecting or switching plans during the Annual Enrollment Period (October 15 through December 7 each year).

Pharmacies in Bristol

Bristol is well-served by retail pharmacy options. There are five or more CVS Pharmacy locations and four or more Walgreens locations within or near the city’s 06010 and 06011 ZIP codes, plus the Stop & Shop Pharmacy. All three chains participate in most Part D pharmacy networks, though preferred pharmacy status — which determines your actual copay — varies by plan. Some Part D plans designate certain chains as “preferred” pharmacies with lower copays than “standard” pharmacies. If you fill prescriptions regularly at a specific Bristol CVS or Walgreens, you should verify preferred status for any Part D plan you are considering. Mail-order pharmacy is also an option under most Part D plans and can reduce costs for maintenance medications.

Specialists and Outpatient Services

Bristol residents frequently access specialty care in nearby cities — cardiologists and oncologists affiliated with Hartford Hospital or Saint Francis in Hartford, orthopedic specialists in Southington, and rehabilitation services in Plainville. Under Original Medicare with a Medigap plan, this flexibility costs you nothing extra — you see any Medicare-accepting provider anywhere in the country. Under a Medicare Advantage HMO, accessing out-of-network specialists without a referral can result in full out-of-pocket costs. For Bristol residents who regularly travel to neighboring communities for specialty care, this network consideration is significant.

How to Get Medicare in Bristol: Step-by-Step

The enrollment process for Medicare involves several distinct windows, and acting at the wrong time — or failing to act — can result in penalties that last for life. Here is a clear, sequential guide for Bristol residents.

1. Determine your Initial Enrollment Period (IEP). Your IEP is a seven-month window: the three months before your 65th birthday month, your birthday month itself, and the three months after. If your birthday is in July, your IEP runs April through October. This is when you should enroll in Part A and Part B, or at least Part A if you have qualifying employer coverage for Part B.
2. Gather your documents. You will need: your Social Security card, proof of U.S. citizenship or lawful residence, your current health insurance card (if applicable), a list of your prescriptions including dosages and frequencies, your primary care physician’s name and NPI number, and your income information if you believe you may qualify for Extra Help or Medicaid.
3. Enroll in Part A and Part B. Visit ssa.gov to enroll online, call Social Security at 1-800-772-1213, or visit the Social Security office in New Britain (the nearest office to Bristol). If you are already receiving Social Security retirement benefits before age 65, you will be enrolled in Parts A and B automatically and will receive your red, white, and blue Medicare card in the mail roughly three months before your birthday month.
4. Decide between Original Medicare + Medigap or Medicare Advantage. This is the foundational choice. Consider your health status, your relationship with specific Bristol Hospital or Hartford HealthCare providers, your financial situation, and your risk tolerance. A licensed broker can model both scenarios with your specific medications and health history.
5. If choosing Medigap, enroll during your Open Enrollment Period. Your six-month Medigap OEP begins when you are both 65 and enrolled in Part B. During this window, you cannot be denied coverage or charged higher premiums for pre-existing conditions. After this window closes, medical underwriting applies and carriers can decline you.
6. If choosing Medicare Advantage, select your plan and enroll. You can enroll in a Medicare Advantage plan during your IEP, during the Annual Enrollment Period (October 15 to December 7), or during a Special Enrollment Period if you have a qualifying life event. Enrollment is typically completed online through Medicare.gov or through a licensed broker at no cost to you.
7. Enroll in Part D (if applicable). If you choose Original Medicare plus a Medigap plan, you must also enroll in a standalone Part D plan during your IEP to avoid the late enrollment penalty. If your employer or union coverage creditably covers prescriptions, you can delay Part D without penalty.
8. Review your coverage annually during AEP. Every year from October 15 through December 7, you have the opportunity to switch Medicare Advantage or Part D plans for the upcoming year. Carriers change their formularies, premiums, and networks annually, and the plan that was best for you last year may not be the best this year.

Late Enrollment Penalties

Missing your enrollment windows without creditable coverage in place results in permanent premium surcharges. The Part B late enrollment penalty is 10 percent of the standard premium for each full 12-month period you delayed — and it lasts for as long as you have Part B. The Part D late enrollment penalty is 1 percent of the national base beneficiary premium for each full month you delayed without creditable drug coverage. For a Bristol resident delaying Part D for two years without creditable coverage, the penalty adds roughly $0.34 per month per month of delay — an amount that compounds over decades.

Comparing Medicare Providers in Bristol

Several major national and regional carriers offer Medicare Advantage and Part D plans in Hartford County’s 06010 and 06011 ZIP codes. Medigap plans are available through a broader set of carriers. The following is a fair, unbiased overview of the major players. Availability, premiums, and plan details change annually — always verify current-year data before enrolling.

No single carrier is universally best for all Bristol residents. The right choice depends on your specific medications (which determines Part D value), your preferred providers (which determines network adequacy), and your financial situation (which determines the premium-versus-out-of-pocket tradeoff). A broker who represents multiple carriers can run a side-by-side comparison using your actual drug list and physician preferences.

Bristol Neighborhoods and ZIP Code Coverage

Bristol is served by two ZIP codes — 06010 and 06011 — and Medicare plan availability is determined at the ZIP code level. Both ZIPs are typically served by the same set of carriers in Hartford County, but it is worth confirming ZIP-level availability when comparing plans on Medicare.gov or through a broker.

Neighborhood-by-Neighborhood Considerations

Downtown Bristol is centrally located and has convenient access to multiple pharmacy locations and primary care practices. Residents here are typically within a short drive of Bristol Hospital.

Forestville, located in the eastern part of the city, has a mix of residential neighborhoods with access to healthcare services along Route 72. Transportation can be a consideration for older residents who no longer drive — some Medicare Advantage plans include non-emergency medical transportation benefits that are particularly valuable in areas with limited public transit.

Edgewood and the surrounding area provide a quieter residential environment, with residents often accessing services in the central city or in neighboring Southington. Confirming that your preferred providers fall within your plan’s network is particularly important here given the cross-city care patterns.

West End residents near Route 6 have relatively straightforward access to both Bristol and Plainville healthcare facilities. Plainville is one of the most common neighboring cities where Bristol West End residents seek services, and ensuring your plan covers providers in both communities is advisable.

Stafford (the neighborhood in Bristol, not to be confused with the town of Stafford) and the Wolcott Road corridor represent areas of the city where residents may access healthcare in both Bristol and the adjacent towns of Wolcott and Southington. Medicare Advantage HMO plans that define network boundaries narrowly may not serve these cross-boundary care patterns as well as a Medigap plan or Medicare Advantage PPO would.

Residents of nearby communities — including Burlington, Terryville, Plymouth, and Plainville — who use Bristol’s healthcare facilities should verify that their plan includes Bristol Hospital and Hartford HealthCare-affiliated providers, particularly if they are considering carriers whose network maps are defined differently for adjacent ZIP codes.

Frequently Asked Questions — Medicare in Bristol

What is the best Medicare plan in Bristol, Connecticut?

There is no single best Medicare plan for all Bristol residents — the right plan depends entirely on your health needs, preferred providers, medications, and budget. That said, for Bristol seniors who want comprehensive coverage with maximum provider flexibility, a Medigap Plan G combined with a standalone Part D plan consistently provides the most predictable, comprehensive coverage. For healthier residents looking to minimize monthly premiums, many $0-premium Medicare Advantage plans available in the 06010 and 06011 ZIP codes deliver strong value, particularly those with Hartford HealthCare in-network. A broker can run a personalized comparison using your actual situation.

When should I enroll in Medicare in Bristol?

You should enroll during your Initial Enrollment Period, which begins three months before your 65th birthday month and ends three months after. Enrolling during the three months before your birthday month ensures your coverage starts on the first day of your birthday month, avoiding any gap in coverage. If you delay enrollment without qualifying employer or union coverage, you will face permanent late enrollment penalties on Part B and Part D premiums. Bristol residents with employer coverage from a company with 20 or more employees can typically delay Part B without penalty while still working.

Does Bristol Hospital accept Medicare?

Yes, Bristol Hospital accepts Original Medicare, and as a Hartford HealthCare member hospital it participates in most major Medicare Advantage networks in Hartford County. Under Original Medicare, you can access Bristol Hospital with standard Medicare cost-sharing. Under a Medicare Advantage plan, you should verify Bristol Hospital is listed as in-network for your specific plan and plan year before enrolling, as network participation can change annually. This verification takes only a few minutes and can save you from unexpected out-of-network bills.

What is the Medicare Annual Enrollment Period and does it apply in Bristol?

Yes, the Annual Enrollment Period (AEP) runs from October 15 through December 7 every year and applies to all Medicare beneficiaries, including those in Bristol. During AEP, you can switch from Original Medicare to a Medicare Advantage plan, switch between Medicare Advantage plans, switch from Medicare Advantage back to Original Medicare, and join, drop, or switch Part D plans. Changes made during AEP take effect January 1 of the following year. There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31, during which you can make one switch from a Medicare Advantage plan back to Original Medicare (or to a different MA plan), with changes effective the first of the following month.

Can I use my CVS or Walgreens in Bristol with Medicare Part D?

Almost certainly yes — CVS and Walgreens are both major pharmacy chains that participate in most Part D networks in Connecticut, and Bristol has five or more CVS locations and four or more Walgreens in or near the city. The important distinction is whether your specific Part D plan designates your preferred Bristol pharmacy as a “preferred pharmacy” (lower copays) versus a “standard pharmacy” (higher copays). Some Part D plans have tiered pharmacy networks where preferred pharmacies offer significantly lower cost-sharing. When comparing Part D plans, enter your specific CVS or Walgreens ZIP code into the Medicare Plan Finder to see exactly what your copays would be at that location.

What is the difference between Medicare Advantage and Medigap in Bristol?

Medicare Advantage replaces Original Medicare with a private plan that typically includes drug coverage and extra benefits but restricts you to a network of providers and uses copays for services. Medigap supplements Original Medicare by paying the cost-sharing that Medicare leaves behind — deductibles, coinsurance, and copays — while leaving you free to see any Medicare-accepting provider in the country. In Bristol, the practical difference often comes down to this: Medicare Advantage typically means lower monthly premiums with more out-of-pocket exposure per service and network restrictions; Medigap typically means higher monthly premiums with very predictable costs and complete provider freedom. The better choice depends on your health usage patterns and financial priorities.

Are there free Medicare counseling resources in Bristol?

Yes. Connecticut’s SHIP program (State Health Insurance Assistance Program) offers free, unbiased Medicare counseling by trained volunteers who do not sell insurance. Bristol residents can reach SHIP at 1-800-994-9422. SHIP can help you understand your options, compare plans, and navigate enrollment paperwork at no charge. Additionally, licensed independent Medicare brokers like Joseph Antonucci at We Find Your Insurance provide free consultations — brokers are paid by the insurance carrier when you enroll, not by you, so there is no cost for professional plan comparison assistance.

What happens to my Medicare if I move from Bristol to a nearby city?

If you move within Connecticut — for example, from Bristol to Plainville, Southington, or Burlington — your Original Medicare (Parts A and B) remains unaffected. However, your Medicare Advantage or Part D plan may not include your new ZIP code in its service area, and you would have a Special Enrollment Period to choose a new plan appropriate for your new location. If you move to another state, the same principle applies. You should always notify Medicare of an address change and review your plan’s coverage for your new location. Medigap plans, because they work with Original Medicare rather than replacing it, are not geographically restricted in the same way — your Medigap policy remains in force regardless of where in the country you are.

What is the Late Enrollment Penalty for Medicare Part B and Part D in Connecticut?

The Part B late enrollment penalty is a permanent 10-percent increase in the standard Part B premium for each full 12-month period you were eligible but did not enroll without qualifying coverage — meaning it never goes away. The Part D late enrollment penalty is 1 percent of the national base beneficiary premium (approximately $34.70 in 2025) multiplied by the number of full months you were without creditable drug coverage, rounded to the nearest ten cents, added to your monthly Part D premium permanently. For Bristol residents who delay enrollment thinking they will “figure it out later,” these penalties can add up to several hundred dollars per year in unnecessary costs over a 20- or 30-year retirement. The penalties apply identically in Connecticut as they do in every other state — they are federal, not state-administered.

What is dual eligibility and could I qualify in Bristol?

Dual eligibility refers to qualifying for both Medicare and Connecticut Medicaid (called HUSKY Health for seniors and people with disabilities, also known as HUSKY C or the Medicaid for the Aged, Blind, and Disabled program). Bristol residents who qualify may be able to access Dual Eligible Special Needs Plans (D-SNPs) that coordinate both programs, often resulting in $0 premiums, $0 deductibles, and minimal copays. Income and asset thresholds for Connecticut Medicaid vary by program, and some programs such as the Medicare Savings Programs (QMB, SLMB, QI) can pay your Part B premium and cost-sharing even without full Medicaid eligibility. If you are a Bristol resident with limited income and assets, contacting Connecticut’s Department of Social Services at 1-855-626-6632 is a worthwhile first step.

If you are a Bristol resident — in Downtown, Forestville, Edgewood, West End, or anywhere in the 06010 or 06011 ZIP codes — and you would like personalized, no-cost guidance on which Medicare option best fits your situation, Joseph Antonucci at We Find Your Insurance is available to help. Joseph holds Connecticut Insurance License #21658409 and has been helping Hartford County residents navigate Medicare decisions since 2019. As an independent broker, he represents multiple carriers and has no incentive to steer you toward any particular plan — only toward the one that genuinely fits your health, your providers, and your budget. Call (860) 351-0514 for a free consultation, or visit wefindyourinsurance.com to get started.