Medicare in Greenwich, Connecticut — Complete 2025 Guide

Greenwich, Connecticut is one of the wealthiest communities in the United States, with a median home price of $1,850,000 and a cost of living index of 185 — nearly double the national average. With approximately 12,500 residents aged 65 and older spread across neighborhoods like Old Greenwich, Riverside, Cos Cob, Byram, Glenville, and Downtown, the Medicare decisions facing Greenwich seniors are real and consequential. A wrong plan choice can mean thousands of dollars in unexpected out-of-pocket costs or losing access to a preferred physician at Greenwich Hospital.

This guide was written to give you a clear, honest picture of every Medicare option available in Greenwich, what each one costs in practical terms, how Connecticut state rules affect your choices, and what steps to take to enroll without penalties. If you want personalized help, licensed insurance broker Joseph Antonucci (CT License #21658409) at We Find Your Insurance serves Greenwich and the surrounding Fairfield County area and can be reached at (860) 351-0514.

What Is Medicare? (Greenwich Context)

Medicare is the federal health insurance program primarily for Americans aged 65 and older, as well as certain individuals under 65 with qualifying disabilities or end-stage renal disease. It is administered by the Centers for Medicare and Medicaid Services (CMS) and is available to U.S. citizens and lawful permanent residents who meet work history requirements — generally 40 quarters of Medicare-covered employment.

For Greenwich residents, Medicare matters in a specific way. Because Greenwich sits in Fairfield County — one of the highest-cost counties in the country — healthcare expenses here are significantly above the national average. A cost of living index of 185 means that the same medical services that cost $1,000 elsewhere may run $1,850 in Greenwich. Private-pay rates at local facilities reflect this premium market. Medicare, however, uses standardized federal reimbursement rates, which means it provides a critical pricing floor regardless of local costs — making enrollment decisions even more important for residents who might otherwise assume their wealth insulates them from coverage gaps.

Greenwich Hospital, a member of Yale New Haven Health, is the anchor of local healthcare. Whether your chosen Medicare plan keeps you in-network at that facility — and at affiliated Yale New Haven Health specialists — is one of the first questions to ask when comparing options.

Medicare is divided into four parts:

• Part A — Hospital insurance: covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people pay $0 in monthly premiums if they or a spouse have worked 40+ quarters.
• Part B — Medical insurance: covers outpatient doctor visits, preventive care, lab work, and durable medical equipment. The standard 2025 monthly premium is $185.00, though higher-income enrollees pay more through Income-Related Monthly Adjustment Amounts (IRMAA).
• Part C (Medicare Advantage) — A private insurance alternative that bundles Parts A and B, often including Part D, dental, vision, and hearing.
• Part D — Standalone prescription drug coverage, added to Original Medicare or included in some Medicare Advantage plans.

Types of Medicare Available in Greenwich

Greenwich residents have access to all four major Medicare product categories. The table below summarizes each option at a glance; detailed explanations follow.

Original Medicare (Parts A and B)

Original Medicare is the baseline federal program. Part A covers hospital inpatient stays — at Greenwich Hospital or anywhere in the country — with a 2025 inpatient deductible of $1,676 per benefit period. Part B covers outpatient services with a $257 annual deductible and 20% coinsurance after that deductible is met. There is no annual out-of-pocket maximum under Original Medicare alone, which is why many Greenwich residents pair it with a Medigap plan.

Medicare Supplement (Medigap) Plans

Medigap plans are sold by private insurers but are standardized by the federal government. Each plan letter (A, B, C, D, F, G, K, L, M, N) offers the same core benefits regardless of which insurer sells it — the only meaningful difference between carriers is premium price and customer service. Plan G is currently the most comprehensive plan available to new Medicare enrollees (Plan F was discontinued for those newly eligible after January 1, 2020). Plan N is a cost-sharing alternative with lower premiums.

In Greenwich, where medical costs and specialist fees are elevated, Medigap Plan G is particularly attractive because it covers the Part A deductible, Part B coinsurance, and skilled nursing facility coinsurance — leaving you responsible only for the Part B deductible ($257 in 2025) and any Part B excess charges.

Medicare Advantage (Part C)

Medicare Advantage plans replace Original Medicare with bundled private coverage. Most plans in Fairfield County are either Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). HMO plans require you to use in-network providers and get referrals for specialists; PPO plans allow out-of-network use at higher cost. Before enrolling in any Medicare Advantage plan, verify that Greenwich Hospital and your primary care physician participate in that plan’s network, as Yale New Haven Health does not contract with every insurer operating in Connecticut.

Part D Prescription Drug Plans

Part D plans cover retail prescriptions. Formularies — the list of covered drugs — vary by plan. Greenwich residents have convenient access to CVS Pharmacy (8+ locations in and around Greenwich), Walgreens (5+ locations), and the Greenwich Hospital Pharmacy. Check that your preferred pharmacy is in-network for any Part D plan you consider, as using an out-of-network pharmacy typically means higher copays or no coverage at all.

How Much Does Medicare Cost in Greenwich?

Cost is one of the most common questions Greenwich residents have, and the answer depends on which combination of Medicare products you choose. Here is a realistic breakdown.

Original Medicare Alone

Most people pay $0 for Part A. Part B costs $185.00 per month at the standard rate in 2025. If your individual income exceeded $106,000 (or $212,000 for joint filers) in 2023, you will pay IRMAA surcharges that range from an additional $74.00 to $443.90 per month on top of the standard Part B premium. Given Greenwich’s median household income profile, IRMAA affects a notable share of local Medicare enrollees — this is worth confirming with Social Security before your first premium bill arrives.

Without supplemental coverage, your potential out-of-pocket exposure under Original Medicare is unlimited. The Part A hospital deductible resets with each benefit period, and Part B’s 20% coinsurance has no cap.

Original Medicare Plus Medigap

Adding a Plan G Medigap policy in Fairfield County typically costs between $130 and $280 per month for a 65-year-old, depending on the carrier, gender, and tobacco status. Plan N premiums tend to run $30–$60 lower than Plan G but introduce copays of up to $20 for office visits and $50 for emergency room visits that do not result in inpatient admission. You will also need a standalone Part D plan, adding another $15–$60 per month.

Total monthly cost for Original Medicare + Plan G + Part D: roughly $330–$525/month at age 65. In exchange, your annual out-of-pocket exposure is capped at just the Part B deductible ($257) plus drug costs.

Medicare Advantage

Many Medicare Advantage plans in Fairfield County carry $0 monthly premiums beyond your Part B premium, though richer PPO plans can run $50–$150+ per month. However, Advantage plans have copays, coinsurance, and out-of-pocket maximums that can reach $4,000–$8,300 or more annually. For Greenwich residents who see specialists frequently or require hospitalization, carefully modeling your likely annual expenses against the out-of-pocket maximum is essential before choosing Advantage over Medigap.

The Greenwich Cost-of-Living Context

With a cost of living index of 185 and a median home price of $1,850,000, many Greenwich residents have financial resources that allow them to consider premium-heavy Medigap plans without strain. Yet the same high cost of living means that a surprise medical bill or uncapped coinsurance could represent a significant financial event even for households that are otherwise comfortable. Medicare planning in Greenwich is not solely about affordability — it is equally about protecting assets and maintaining access to the high-quality providers in the Yale New Haven Health network.

Connecticut-Specific Rules for Medicare

Connecticut has several state-level rules that directly affect Medicare enrollees in Greenwich and throughout Fairfield County.

CT Medigap Open Enrollment Protections

Federal law gives you a six-month Medigap Open Enrollment Period (OEP) that begins when you are both age 65 and enrolled in Part B. During this window, insurers cannot deny you coverage or charge higher premiums due to pre-existing conditions. Connecticut provides additional protections that can extend Medigap guaranteed issue rights beyond the federal baseline in certain circumstances — for example, if your Medicare Advantage plan leaves the area or if you lose employer coverage. The Connecticut Insurance Department (ct.gov/cid) publishes current state-specific Medigap rules.

CT SHIP — Free Medicare Counseling

The Connecticut State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling from trained volunteer counselors. CT SHIP can help Greenwich residents compare plans, understand enrollment rules, and identify programs that help with costs. Reach CT SHIP at 1-800-994-9422. This is a valuable resource, particularly for first-time enrollees who want an independent perspective before speaking with an insurance broker.

Access Health CT

Connecticut’s state-based marketplace, Access Health CT (accesshealthct.com), primarily handles marketplace (ACA) health insurance. It is relevant to Greenwich residents who need pre-Medicare coverage or who have a spouse under 65 who requires marketplace coverage while the Medicare-eligible spouse enrolls. Some Medicare Savings Programs, which help lower-income enrollees pay Part B premiums and cost-sharing, are coordinated through Connecticut’s Department of Social Services rather than Access Health CT.

Dual Eligibility: Medicare and Medicaid

Greenwich residents who qualify for both Medicare and Connecticut Medicaid (HUSKY Health) are called “dual-eligible.” Dual-eligible individuals typically pay very little in out-of-pocket Medicare costs because Medicaid covers premiums and cost-sharing. There are also Dual Eligible Special Needs Plans (D-SNPs) available in Fairfield County that bundle Medicare Advantage with Medicaid benefits. If you believe you or a family member may qualify for Medicaid alongside Medicare, contact the Connecticut Department of Social Services or call CT SHIP for a benefits check.

CT Life and Health Insurance Guaranty Association

The Connecticut Life and Health Insurance Guaranty Association provides a backstop if a licensed insurer becomes insolvent. This protects Greenwich Medigap and Medicare Advantage policyholders up to statutory limits. While major carriers selling Medicare products in Connecticut are generally financially stable, this association adds a layer of consumer protection that is worth understanding, especially for those on fixed incomes. The Connecticut Insurance Department (ct.gov/cid) oversees this association and handles consumer complaints.

No Statewide Medicare Advantage Mandates

Connecticut does not impose statewide requirements on Medicare Advantage plans beyond federal CMS rules. This means the benefit structures you see in other states with additional mandates do not apply here. What you see in any Connecticut Medicare Advantage plan’s Evidence of Coverage document is what you get — there are no state-added benefits required by law.

Greenwich Healthcare Landscape and Its Impact on Your Medicare

Your Medicare plan is only as good as the providers who accept it. Understanding Greenwich’s healthcare infrastructure is essential to making the right choice.

Greenwich Hospital and Yale New Haven Health

Greenwich Hospital is a 206-bed acute care facility located on Perryridge Road and is the primary hospital serving Greenwich, Old Greenwich, Riverside, Cos Cob, and surrounding areas. As a member of Yale New Haven Health — one of Connecticut’s largest and most respected health systems — Greenwich Hospital connects patients to specialists, oncology programs, and advanced diagnostics across the Yale network.

All Medicare Advantage plans that operate in Greenwich must cover emergency care at Greenwich Hospital regardless of network status. However, elective procedures, specialist visits, and outpatient services at Greenwich Hospital are only fully covered if your plan includes Yale New Haven Health providers in-network. Before enrolling in any Medicare Advantage plan, use the plan’s provider lookup tool or call member services to confirm that Greenwich Hospital and your specific physicians are included.

Original Medicare, by contrast, covers services at Greenwich Hospital and any other Medicare-participating facility in the country — no network restrictions apply. This is a significant advantage for residents who value unrestricted access to the full Yale New Haven Health system or who travel frequently to nearby cities like Stamford, Port Chester, Rye, or White Plains, New York.

Proximity to New York Providers

Greenwich’s location on the Connecticut-New York border means many residents regularly use healthcare providers in Port Chester, Rye, and White Plains, New York. Original Medicare covers medically necessary services from any Medicare-participating provider nationwide, including those across the state line. Many Medicare Advantage plans, however, restrict coverage to a defined service area — and a plan centered on Fairfield County may not cover routine care in Westchester County, New York. If you routinely see physicians in the New York metropolitan area, Original Medicare paired with a Medigap policy provides significantly greater flexibility than most Advantage plans.

Pharmacies in Greenwich

Greenwich has robust pharmacy access. CVS Pharmacy operates eight or more locations in and around the Greenwich area, including locations that serve Downtown Greenwich, Cos Cob, and Old Greenwich. Walgreens operates five or more locations across the area. The Greenwich Hospital Pharmacy is also available for patients of that system. Most Part D plans and Medicare Advantage drug benefits include CVS and Walgreens in their preferred pharmacy networks, making cost-sharing favorable for residents who use these chains. Verify your specific plan’s pharmacy network during Annual Enrollment Period shopping each fall to ensure your preferred location remains preferred and to confirm your medications remain on the plan’s formulary.

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

Enrollment timing is one of the most important — and most misunderstood — aspects of Medicare. Missing a window can result in permanent late enrollment penalties.

Step 1: Understand Your Enrollment Window

Your Initial Enrollment Period (IEP) is a seven-month window that begins three months before the month you turn 65, includes your birthday month, and ends three months after. For a Greenwich resident turning 65 in August 2025, the IEP runs from May 1, 2025 through November 30, 2025. Enrolling during the first three months of your IEP ensures your coverage begins on the first day of your birthday month — enrolling later in the window pushes your start date back.

Step 2: Determine Whether You Need to Actively Enroll

If you are already receiving Social Security retirement benefits before age 65, you will be automatically enrolled in Parts A and B, and your red, white, and blue Medicare card will arrive in the mail about three months before your 65th birthday. If you are not yet receiving Social Security — which is common among higher-earning Greenwich residents who delay claiming to maximize benefits — you must actively enroll through the Social Security Administration at ssa.gov or by visiting or calling your local Social Security office.

Step 3: Consider Delaying Part B if You Have Employer Coverage

If you or your spouse has active employer-sponsored health insurance through a group plan with 20 or more employees, you may delay Part B enrollment without penalty. You will have a Special Enrollment Period (SEP) when that coverage ends. However, if you are covered through a small employer (fewer than 20 employees), Medicare becomes primary and you should enroll in Part B on time to avoid penalties. Confirm your employer’s size with your HR department before making this decision.

Step 4: Enroll in Part D or a Medigap Plan During Your Open Enrollment Period

Your Medigap Open Enrollment Period begins the first month you have both Part B coverage and are age 65 — this is your best and often only chance to enroll in Medigap without medical underwriting. You have six months. Do not wait. If you miss this window and later develop a health condition, insurers in Connecticut may deny your application or charge higher premiums (with some state-level exceptions noted above).

Part D enrollment should happen alongside Part B enrollment. If you go more than 63 consecutive days without creditable prescription drug coverage, you will face a late enrollment penalty — 1% of the national base beneficiary premium multiplied by the number of uncovered months — added permanently to your monthly Part D premium.

Step 5: Gather Your Documents

• Social Security card and Medicare card (once received)
• Current prescription list (drug name, dosage, frequency)
• List of your physicians and their practice addresses
• Proof of prior creditable coverage (if applicable)
• Recent tax return or Social Security statement (for IRMAA estimation)
• Preferred pharmacy name and ZIP code

Step 6: Shop Plans During Annual Enrollment Period

The Annual Enrollment Period (AEP) runs from October 15 through December 7 each year. During AEP, you can switch Medicare Advantage plans, switch from Original Medicare to Medicare Advantage (or vice versa), change your Part D plan, or drop a Medicare Advantage plan and return to Original Medicare. Changes made during AEP take effect January 1.

There is also a Medicare Advantage Open Enrollment Period (OEP) from January 1 through March 31, during which you can switch from one Medicare Advantage plan to another or drop Medicare Advantage and return to Original Medicare with a Part D plan. However, you cannot use the OEP to enroll in a Medigap plan with guaranteed issue rights unless you have a separate qualifying event.

Step 7: Review Your Plan Annually

Plan benefits, formularies, premiums, and provider networks change every year. In October, you will receive an Annual Notice of Change (ANOC) from your current plan. Read it. Even if your plan has served you well, a competitor may offer a better value for the coming year, or your current plan may have removed a preferred pharmacy or a drug you rely on from its formulary.

Comparing Medicare Providers in Greenwich

Several major insurers offer Medicare Advantage and Part D plans in Fairfield County. The following is an overview of major carriers operating in the Greenwich area. Benefits and premiums change annually; always verify current plan details at medicare.gov or through a licensed broker.

For Medigap plans, carriers like Mutual of Omaha, New York Life, and AARP/UnitedHealthcare are commonly available in Connecticut. Since Plan G benefits are identical regardless of insurer, the decision comes down primarily to price, premium rate increase history, and financial strength ratings. A licensed broker can pull current quotes from multiple carriers simultaneously, which is the most efficient way to compare Medigap options in Greenwich.

Greenwich Neighborhoods and ZIP Code Coverage

Medicare is a federal program, meaning Parts A and B coverage does not vary by neighborhood within Greenwich. However, Medicare Advantage and Part D plan availability, premiums, and networks can differ by ZIP code. Greenwich uses four ZIP codes: 06830, 06831, 06832, and 06836. When shopping on medicare.gov or through a broker, always enter your exact ZIP code to see the plans actually available where you live.

Downtown Greenwich (ZIP 06830)

The central business district of Greenwich, including Greenwich Avenue and the waterfront area, is served primarily by ZIP code 06830. Residents here have easy access to multiple CVS and Walgreens locations, as well as proximity to medical offices affiliated with Yale New Haven Health. Medicare Advantage plan networks in this ZIP code typically include the widest selection of carriers due to the area’s population density.

Old Greenwich and Riverside (ZIP 06870 / Served by 06830 and 06831)

Old Greenwich and Riverside are waterfront neighborhoods with a strong sense of community and a high concentration of retired professionals. Residents here often prioritize Original Medicare with a Medigap plan for its flexibility — particularly access to physicians and specialists both locally and across the nearby New York border in Port Chester and Rye.

Cos Cob (ZIP 06807 / Served by 06830 region)

Cos Cob is a neighborhood with its own distinct identity and a mix of long-term residents and newer arrivals. Medicare Advantage HMO plans are available here, though residents should carefully evaluate whether their primary care physician participates in the HMO’s network before enrolling, as some Greenwich-area practices participate selectively.

Byram and Glenville (ZIP 06831)

Byram, located along the New York state border, and Glenville, in the northwest corner of Greenwich, are served by ZIP code 06831. Byram residents in particular should pay close attention to whether their Medicare Advantage plan covers providers in Port Chester, New York — a common medical destination for Byram residents — without treating those as out-of-network visits. A PPO plan or Original Medicare with Medigap is often the most practical choice for households in this area.

Regardless of which Greenwich neighborhood you live in, the basic Medicare enrollment process is the same, and all Greenwich ZIP codes have access to the full range of Medicare Advantage carriers operating in Fairfield County. The differences are at the margin — premium variations of $10–$30 per month and slight network differences between ZIP codes — but they are worth checking at enrollment time.

Frequently Asked Questions — Medicare in Greenwich

What is the best Medicare plan in Greenwich, Connecticut?

There is no single best plan — the right choice depends on your health, finances, and providers. That said, Greenwich residents who value predictable costs and unrestricted access to providers at Greenwich Hospital and across the Yale New Haven Health network most often choose Original Medicare paired with a Plan G Medigap policy and a Part D drug plan. Those who are generally healthy, prefer lower monthly premiums, and primarily use a defined set of local providers often find Medicare Advantage plans more cost-effective. Comparing both approaches with a licensed broker who knows the Fairfield County market is the best way to identify the right fit for your situation.

When can I enroll in Medicare in Greenwich?

Your Initial Enrollment Period (IEP) opens three months before the month you turn 65 and lasts seven months total. If you miss your IEP without having creditable employer coverage, you can enroll during the General Enrollment Period (January 1–March 31), but late enrollment penalties will apply to Part B and Part D. The Annual Enrollment Period (October 15–December 7) allows current beneficiaries to change plans for the following year. Special Enrollment Periods are available for qualifying life events such as losing employer coverage.

Does Medicare cover care at Greenwich Hospital?

Yes. Greenwich Hospital participates in Medicare, meaning Original Medicare Parts A and B will cover medically necessary inpatient and outpatient services there, subject to standard deductibles and coinsurance. Medicare Advantage plans also cover emergency care at Greenwich Hospital regardless of network status, but elective and outpatient care at Greenwich Hospital is fully covered only if your Advantage plan includes Yale New Haven Health providers in its network. Confirm network status before enrolling in any Medicare Advantage plan.

What is the Medicare late enrollment penalty and how do I avoid it?

The Part B late enrollment penalty is 10% of the standard Part B premium for every full 12-month period you were eligible for Part B but did not enroll — and it is permanent. The Part D penalty is 1% of the national base beneficiary premium per uncovered month, also permanent. To avoid penalties, enroll during your Initial Enrollment Period or ensure you have creditable employer coverage. If you delay due to active employer coverage, enroll in Parts A and B promptly when that coverage ends to trigger your Special Enrollment Period.

Can I keep my current doctor if I switch to Medicare Advantage?

Only if your doctor participates in the Medicare Advantage plan’s network. In Greenwich, this requires checking each plan’s provider directory — the same physician may be in-network for one Advantage plan and out-of-network for another. Provider networks change annually, so if you switch to Medicare Advantage, verify network participation every year during the Annual Enrollment Period. Original Medicare with a Medigap plan eliminates this concern, as both accept any provider who participates in Medicare nationwide.

What does Medicare cover for prescription drugs at Greenwich-area pharmacies?

Medicare Part D covers outpatient prescription drugs at participating pharmacies. Most Part D plans include CVS Pharmacy and Walgreens — both well-represented in the Greenwich area — in their preferred pharmacy networks, meaning lower copays at those locations. The Greenwich Hospital Pharmacy is also available for patients of that system. Your specific drug coverage depends on the plan’s formulary (the list of covered drugs); review the formulary annually to confirm your medications remain covered at their current tier, particularly during the Annual Enrollment Period.

Is there free Medicare counseling available in Greenwich?

Yes. The Connecticut State Health Insurance Assistance Program (CT SHIP) provides free, unbiased Medicare counseling from trained volunteers. You can reach CT SHIP at 1-800-994-9422. SHIP counselors can help Greenwich residents understand their options, compare plans, and identify programs that reduce Medicare costs. This service is entirely independent and involves no sales. You can also consult a licensed independent insurance broker — such as Joseph Antonucci at We Find Your Insurance — who can pull plan quotes and provide personalized comparisons at no cost to you.

What happens if my Medicare Advantage plan leaves Greenwich?

If your Medicare Advantage plan discontinues coverage in your service area, you will receive notice from the plan and will be granted a Special Enrollment Period to choose a new plan. Importantly, Connecticut state law provides Medigap guaranteed issue rights in this situation, meaning you can enroll in a Medigap plan without medical underwriting — even if you have health conditions — when you involuntarily lose Medicare Advantage coverage. Do not let this window pass without acting, as it may be your best opportunity to switch to Medigap coverage if the plan departure affects your access to preferred providers.

How does Greenwich’s high cost of living affect my Medicare out-of-pocket costs?

Medicare’s federal reimbursement rates are set nationally and do not automatically increase in high-cost areas like Greenwich, where the cost of living index is 185 compared to the national average of 100. However, providers may charge above Medicare’s approved amounts — known as excess charges — for Part B services. Medigap Plan G covers Part B excess charges, giving you a powerful shield against above-Medicare billing in a market where private-pay rates are elevated. Additionally, the premium costs for Medigap plans in Fairfield County tend to run at the higher end of national ranges, reflecting the local cost structure — budget accordingly when comparing plans.

What is the difference between Medicare Supplement and Medicare Advantage?

Medicare Supplement (Medigap) plans work alongside Original Medicare, filling in cost-sharing gaps like deductibles and coinsurance. You keep Original Medicare as your primary insurance; the Medigap plan pays second. There are no networks — you can see any Medicare-participating provider in the country. Medicare Advantage (Part C) replaces Original Medicare with private insurance that must cover at least the same benefits. Advantage plans often have lower monthly premiums but introduce network restrictions, copays, and out-of-pocket maximums. Medigap typically offers more predictable costs and greater provider flexibility; Advantage plans may be cost-effective for healthy individuals who want bundled dental and vision benefits at lower upfront premiums.

How do I compare Medicare plans specific to my Greenwich ZIP code?

The most accurate way to compare plans is to use the Medicare Plan Finder at medicare.gov, entering your exact ZIP code (06830, 06831, 06832, or 06836), current medications, and preferred pharmacy. This tool shows all available Medicare Advantage and Part D plans in your area with estimated annual costs. For Medigap comparisons, a licensed broker is more efficient than the CMS tool, as Medigap plans are not listed on the Medicare Plan Finder. You can also call CT SHIP at 1-800-994-9422 for free assistance navigating both tools.

Making the right Medicare decision in Greenwich requires balancing premium costs, out-of-pocket exposure, provider access at Greenwich Hospital and within the Yale New Haven Health network, and the unique geographic factors of living on the Connecticut-New York border. Whether you are enrolling for the first time, reconsidering your current plan during Annual Enrollment Period, or helping an aging parent navigate the process, the stakes are real — and the right guidance makes a meaningful difference.

Joseph Antonucci, licensed Connecticut insurance broker (CT License #21658409) at We Find Your Insurance, has been helping Fairfield County and Greenwich-area residents understand and enroll in Medicare since 2019. Consultations are free, unbiased, and tailored to your specific situation. Call (860) 351-0514 today to schedule your free Medicare review. There is no obligation, and the conversation could save you hundreds of dollars and significant confusion in the years ahead.