Medicare in Oakville, CT

Understanding Medicare in Oakville, Connecticut

Oakville is a quiet, tight-knit village in Watertown, situated within Litchfield County, Connecticut. With a population of approximately 1,800 residents aged 65 and older, Medicare is one of the most important financial and healthcare decisions that Oakville families navigate each year. Whether you are approaching your 65th birthday, retiring early with a qualifying disability, or helping an aging parent understand their options, Medicare in Oakville, CT deserves careful attention — because the choices you make during your Initial Enrollment Period can affect your coverage and costs for years to come.

Medicare is a federal health insurance program administered by the Centers for Medicare & Medicaid Services (CMS). It was established in 1965 under Title XVIII of the Social Security Act and today covers more than 65 million Americans nationwide. In Connecticut, nearly 800,000 residents rely on Medicare for their primary health coverage, and the program plays an especially critical role in rural and semi-rural communities like Oakville, where access to employer-sponsored retiree health benefits may be more limited than in larger urban centers.

For Oakville residents, the relevance of Medicare extends well beyond a simple card in your wallet. Living in Litchfield County means that your healthcare network may span multiple towns and hospital systems. Residents in the 06779 zip code typically receive care at facilities in nearby Waterbury and Watertown, including Waterbury Hospital and Saint Mary’s Hospital. Understanding which Medicare plan covers services at these facilities — and on what terms — can mean the difference between a manageable medical bill and a financial hardship.

Medicare is organized into distinct parts, each covering different aspects of healthcare. Part A covers inpatient hospital care, skilled nursing facility stays, hospice, and some home health services. Part B covers outpatient medical services, including doctor visits, preventive screenings, lab work, durable medical equipment, and certain preventive services. Together, Parts A and B are referred to as “Original Medicare,” the baseline coverage that most beneficiaries receive when they first enroll.

One important reality for Oakville seniors is that Original Medicare, while comprehensive, does not cover everything. It does not include routine dental care, routine vision exams, hearing aids, or most prescription drugs. Out-of-pocket costs under Original Medicare can also be significant: there is no cap on how much you might owe for hospital stays or outpatient services in a given year. This is why most Oakville Medicare beneficiaries choose to supplement their Original Medicare coverage with either a Medicare Supplement (Medigap) policy, a Medicare Advantage plan, and/or a Part D drug plan.

Joseph Antonucci, a Connecticut Licensed Insurance Producer (#21658409) with years of experience guiding Litchfield County residents through Medicare enrollment, emphasizes that timing is everything. “Many Oakville residents come to me after missing their Initial Enrollment Period or Special Enrollment Period, and their options become more limited — and sometimes more expensive,” he notes. “Starting the conversation early, ideally three to six months before your 65th birthday, gives you the most flexibility to find the plan that truly fits your healthcare needs and budget.”

The cost of living in Oakville, indexed at 98 (essentially at the national average), means that Medicare premiums, deductibles, and copays represent a real and meaningful share of a retiree’s monthly budget. With median home prices around $245,000, many Oakville retirees are homeowners who have significant assets to protect — and an unexpected medical event without adequate coverage can quickly erode those assets. Selecting the right Medicare plan is not just a healthcare decision; it is a financial planning decision that deserves the same attention as any other retirement asset.

Medicare Options and Plans Available in Oakville

Oakville residents turning 65 or newly eligible for Medicare have several distinct coverage pathways available to them. Understanding each option — Original Medicare, Medicare Advantage, Medicare Supplement insurance, and Part D prescription drug plans — is essential before making any enrollment decision. Each pathway comes with its own network considerations, cost structures, and coverage rules that may be more or less suitable depending on your healthcare needs, preferred providers, and financial situation.

Original Medicare: Parts A and B

Original Medicare is the foundation of the program. Part A (Hospital Insurance) is premium-free for most beneficiaries who have worked and paid Medicare taxes for at least 40 quarters (10 years). It covers inpatient hospital stays, care in a skilled nursing facility following a qualifying hospital stay, hospice care, and some home health services. The Part A inpatient hospital deductible for 2025 is $1,632 per benefit period — not per year — which means that multiple hospital stays in a single year could each trigger a new deductible.

Part B (Medical Insurance) covers outpatient services: visits to doctors and specialists, preventive screenings (mammograms, colonoscopies, annual wellness visits), lab tests, mental health services, durable medical equipment, and outpatient therapies. The standard Part B premium for 2025 is $185.00 per month, though higher-income beneficiaries pay more through the Income-Related Monthly Adjustment Amount (IRMAA). The Part B annual deductible is $257 in 2025, after which Medicare covers 80% of approved costs and the beneficiary is responsible for the remaining 20% — with no annual out-of-pocket maximum.

Medicare Advantage (Part C)

Medicare Advantage plans are offered by private insurance companies approved by CMS. These plans must cover all services that Original Medicare covers, and most also include additional benefits such as routine dental, vision, hearing, fitness memberships (like SilverSneakers), and — in many cases — prescription drug coverage. For Oakville residents, the availability of Medicare Advantage plans in the 06779 zip code typically reflects the carrier networks operating in western Connecticut and Litchfield County.

Medicare Advantage plans come in several network structures:

• Health Maintenance Organization (HMO): Requires you to use in-network providers except for emergencies. You typically need a referral from your primary care physician to see a specialist. HMOs usually carry the lowest premiums but restrict provider choice.
• Preferred Provider Organization (PPO): Allows you to see any provider, in-network or out-of-network, though you pay less when you stay in-network. PPOs do not require referrals, offering more flexibility — important if you see specialists at both Waterbury Hospital and Saint Mary’s Hospital regularly.
• Private Fee-for-Service (PFFS): Allows you to see any Medicare-approved provider who agrees to the plan’s terms of payment. Not all providers accept all PFFS plans.
• Special Needs Plans (SNPs): Designed for beneficiaries with specific diseases, dual eligibility (Medicare and Medicaid), or institutional status. These plans tailor benefits, formularies, and provider networks to serve those specific populations.

When evaluating Medicare Advantage plans available in Oakville’s 06779 zip code, Oakville residents should pay close attention to whether their preferred physicians and specialists participate in the plan’s network, whether Waterbury Hospital and Saint Mary’s Hospital are included as in-network facilities, and what the plan’s out-of-pocket maximum is. Medicare Advantage plans are required to cap your annual out-of-pocket costs at no more than $9,350 for in-network services in 2025 (individual maximum), which is a meaningful protection that Original Medicare alone does not provide.

Medicare Supplement Insurance (Medigap)

Medicare Supplement insurance, commonly called Medigap, is sold by private insurers to fill the gaps left by Original Medicare — specifically the deductibles, copayments, and coinsurance that beneficiaries would otherwise pay out of pocket. In Connecticut, Medigap plans are standardized (labeled Plan A through Plan N, with some variations), meaning that the benefits of a given plan letter are identical regardless of which company sells it. The variable is the premium, which is why comparison shopping is particularly valuable.

Connecticut is one of a handful of states that provide additional Medigap consumer protections beyond federal minimums. For example, Connecticut requires insurers to offer Medigap open enrollment beyond the federally mandated 6-month window in certain situations, and the state’s regulations on guaranteed issue rights offer Oakville residents additional protections when they lose other coverage. The most popular Medigap plans among Connecticut seniors are Plan G (which covers nearly all out-of-pocket costs except the Part B deductible) and Plan N (which offers slightly lower premiums in exchange for modest copays at doctor and emergency room visits).

Medicare Part D: Prescription Drug Plans

Medicare Part D adds prescription drug coverage to Original Medicare (or stands alone as a standalone Prescription Drug Plan for those who also carry a Medigap policy). Part D plans are sold by private insurers and vary significantly in their formularies (lists of covered drugs), tier structures, premiums, deductibles, and pharmacy networks. For Oakville residents, pharmacy access at CVS Pharmacy and Walgreens — both of which operate locations convenient to the 06779 area — is an important consideration when evaluating Part D plan options, as preferred pharmacy networks can substantially reduce what you pay for your medications.

A critical concept to understand for Part D is the Late Enrollment Penalty (LEP). If you do not enroll in a Part D plan when you are first eligible and go 63 or more consecutive days without creditable prescription drug coverage, you will pay a permanent penalty added to your monthly Part D premium for as long as you are enrolled in Medicare. Avoiding this penalty is one of the most common reasons Oakville residents consult with a licensed insurance producer during their Initial Enrollment Period.

Cost of Medicare in Oakville, CT

Understanding the true cost of Medicare in Oakville requires looking at the full picture: not just the monthly premium, but also the deductibles, copayments, coinsurance, and potential out-of-pocket maximums that apply to your chosen plan. With Oakville’s cost of living index sitting at 98 — essentially equal to the national average — most Medicare-related costs here mirror what beneficiaries encounter elsewhere in the country, though Connecticut’s higher-than-average healthcare wages can influence the premiums that private insurers charge for Medicare Advantage and Medigap plans in the state.

For retirees living in a community where the median home price is $245,000, fixed monthly expenses are critical to manage carefully. Medicare premiums, deductibles, and potential out-of-pocket costs need to be budgeted alongside property taxes, utilities, and other living expenses. Here is a breakdown of the key cost components that Oakville Medicare beneficiaries should be aware of for 2025:

Part A Costs

Most Oakville residents receive Part A at no premium cost, provided they or their spouse worked and paid Medicare taxes for at least 40 quarters. Those who lack sufficient work history may pay a premium of up to $518 per month (2025) for Part A. The inpatient hospital deductible is $1,632 per benefit period, with daily coinsurance kicking in for longer hospital stays (days 61–90 cost $408/day; lifetime reserve days cost $816/day).

Part B Costs

The standard Part B monthly premium is $185.00 in 2025. Higher earners pay more based on their IRMAA bracket, with premiums rising to as much as $628.90 per month for the highest income tier. The annual Part B deductible is $257, after which you pay 20% of Medicare-approved costs with no out-of-pocket cap.

Medicare Advantage Costs

Many Medicare Advantage plans available in Connecticut carry low or even $0 monthly premiums beyond what you pay for Part B. However, plan-specific copays, coinsurance, and the annual out-of-pocket maximum vary widely. Plans in the Litchfield County market typically have out-of-pocket maximums ranging from approximately $3,500 to $9,350 for in-network services in 2025.

Medigap Costs

Medigap premiums in Connecticut vary by plan type, insurance carrier, age, and rating method. In western Connecticut, monthly Medigap Plan G premiums for a 65-year-old typically range from approximately $115 to $225+ per month depending on the insurer. Plan N premiums are generally lower, ranging from roughly $90 to $180 per month.

Part D Costs

Standalone Part D Prescription Drug Plan premiums in Connecticut average between $15 and $80+ per month in 2025, depending on the formulary and pharmacy network. The standard Part D deductible in 2025 is up to $590, though many plans waive or reduce the deductible for lower-tier drugs. The Inflation Reduction Act has capped annual out-of-pocket prescription drug costs at $2,000 for Part D enrollees starting in 2025, a significant protection for Oakville seniors with high medication costs.

One frequently overlooked cost consideration for Oakville residents is the impact of not having a supplemental plan during a major health event. An unplanned hospitalization under Original Medicare alone could expose a beneficiary to the $1,632 Part A deductible plus the 20% Part B coinsurance on associated physician charges — all with no annual cap. For a retiree managing their finances on a fixed income in a home valued around the Oakville median of $245,000, a single serious illness could represent a substantial financial setback. This is why working with a licensed producer to compare the total cost of coverage across plan types — not just the monthly premium — is so important.

Connecticut State Requirements and Regulations

Medicare is a federal program, but Connecticut has layered meaningful state-level consumer protections and resources on top of federal rules. Oakville residents navigating Medicare enrollment benefit from several Connecticut-specific programs, regulations, and agencies that provide both legal protections and free counseling resources.

Connecticut Insurance Department (CID)

The Connecticut Insurance Department is the state agency responsible for regulating the insurance industry in Connecticut, including the private insurers who sell Medicare Advantage, Medigap, and Part D plans. The CID licenses insurance producers — including Connecticut Licensed Insurance Producer Joseph Antonucci (#21658409) — and investigates consumer complaints about insurance companies and agents. If you believe an insurer has treated you unfairly, denied a legitimate claim, or misled you about your coverage, the CID provides a formal consumer complaint process. The CID also maintains a public lookup tool where consumers can verify that any agent or broker they work with holds a valid Connecticut license.

CT CHOICES: Free Medicare Counseling

CT CHOICES (Connecticut’s version of the federally mandated State Health Insurance Assistance Program, or SHIP) provides free, unbiased Medicare counseling to Connecticut residents through a network of trained volunteer counselors and staff. Oakville residents can access CT CHOICES through the Western Connecticut Area Agency on Aging, which serves Litchfield County. Counselors can help you understand your Medicare options, compare plans available in the 06779 zip code, review an Explanation of Benefits (EOB), and understand your rights if a claim is denied. CT CHOICES counselors are not affiliated with any insurance company and receive no commissions, making their advice completely independent.

Access Health CT

Access Health CT is Connecticut’s official health insurance marketplace, established under the Affordable Care Act. While it primarily serves residents purchasing individual or family health insurance outside of Medicare, it is relevant to Oakville residents in two ways: (1) residents under 65 who are not yet Medicare-eligible may purchase coverage through Access Health CT, and (2) some dual-eligible beneficiaries (those who qualify for both Medicare and Medicaid) may coordinate their coverage through programs managed in part through this marketplace. Understanding how Access Health CT interacts with Medicare is particularly important for those approaching age 65 who currently receive coverage through the marketplace and need to transition to Medicare.

HUSKY Health (Connecticut Medicaid)

Connecticut’s Medicaid program, known as HUSKY Health, provides coverage for low-income residents. For Medicare beneficiaries, the intersection of Medicare and Medicaid creates a category of “dual eligible” individuals who qualify for both programs. Dual-eligible Oakville residents may qualify for the Medicare Savings Programs, which help pay for Medicare premiums, deductibles, and copays. There are four levels of Medicare Savings Programs: the Qualified Medicare Beneficiary (QMB) program, the Specified Low-Income Medicare Beneficiary (SLMB) program, the Qualifying Individual (QI) program, and the Qualified Disabled and Working Individuals (QDWI) program. Eligibility for these programs is income- and asset-based, and applications are processed through the Connecticut Department of Social Services.

Connecticut Life & Health Insurance Guaranty Association (CLHIGA-CT)

The Connecticut Life & Health Insurance Guaranty Association provides a safety net for Connecticut policyholders if a licensed insurance company becomes insolvent and is unable to pay claims. For Oakville residents holding Medigap policies or other private health insurance products, CLHIGA-CT provides protection up to specified statutory limits. This protection is an important backstop, though it is not a substitute for carefully selecting financially stable, well-rated insurers in the first place.

Connecticut Statutes Relevant to Medicare Supplement Insurance

Connecticut General Statutes Chapter 700c and related regulations govern Medicare Supplement insurance sold in the state. Connecticut has adopted the NAIC Model Regulation for standardized Medigap plans but has also enacted consumer-friendly variations. For example, Connecticut provides a guaranteed issue right for Medigap policies to individuals who lose employer retiree coverage, who leave Medicare Advantage plans under certain circumstances, or who move out of a Medicare Advantage plan’s service area. Additionally, Connecticut prohibits insurers from using attained-age rating for Medigap policies under certain circumstances, providing some protection against premium increases solely due to aging.

Connecticut also imposes strict rules on the marketing and sale of Medicare-related products. Producers must comply with CMS marketing guidelines as well as state regulations, including prohibitions on misleading advertising, unsolicited door-to-door sales, and high-pressure sales tactics. Oakville residents should feel empowered to take their time evaluating any Medicare plan and to report any producer whose conduct feels inappropriate to the Connecticut Insurance Department.

Medicare and Oakville’s Local Healthcare Landscape

Choosing the right Medicare plan in Oakville is not just an abstract financial exercise — it directly determines which doctors, hospitals, and pharmacies you can use, and on what terms. The healthcare landscape in and around Oakville’s 06779 zip code is shaped largely by two major hospital systems and the Prospect Medical Holdings network, making network participation a central consideration when comparing Medicare Advantage plans.

Waterbury Hospital

Waterbury Hospital, located just a short drive from Oakville Center, is one of the primary acute care facilities serving Litchfield County residents. It is a member of the Prospect Medical Holdings network, one of Connecticut’s significant healthcare networks. Waterbury Hospital offers a broad range of inpatient and outpatient services including cardiac care, orthopedics, oncology, emergency services, and surgical procedures. For Oakville Medicare beneficiaries, confirming that Waterbury Hospital participates in your chosen Medicare Advantage plan’s in-network roster is essential — particularly if you have established relationships with physicians practicing there or anticipate needing specialized care.

Saint Mary’s Hospital

Saint Mary’s Hospital, also in Waterbury, is another major healthcare anchor for Oakville and surrounding communities. Saint Mary’s is a Catholic health system hospital that offers comprehensive medical and surgical services. The hospital is known for its cardiac and orthopedic programs, as well as its cancer care services through its partnership with Yale New Haven Health’s Smilow Cancer Hospital. For Original Medicare beneficiaries, Saint Mary’s Hospital accepts Medicare assignment, meaning it agrees to Medicare’s approved payment rates. For Medicare Advantage enrollees, verifying in-network status at Saint Mary’s is equally important as it is at Waterbury Hospital.

Prospect Medical Holdings Network

Prospect Medical Holdings is a significant healthcare organization that has included Waterbury Hospital and other Connecticut facilities within its network. Understanding how Prospect Medical Holdings participates in various Medicare Advantage plan networks in the Litchfield County area helps Oakville residents identify which plans offer the most seamless access to their preferred providers.

Pharmacies: CVS and Walgreens

For Oakville residents managing chronic conditions or multiple prescriptions, pharmacy access is a practical daily concern. Both CVS Pharmacy and Walgreens have locations convenient to the 06779 area, and both are preferred or in-network pharmacies for many Part D prescription drug plans and Medicare Advantage plans with built-in drug coverage. When comparing Part D plans, Oakville residents should specifically verify that their preferred pharmacy — whether CVS or Walgreens — is included as a preferred pharmacy, since preferred pharmacy status can result in significantly lower copays compared to standard in-network pharmacy rates.

Neighborhoods: Oakville Center and Pin Shop Pond

The neighborhoods of Oakville Center and Pin Shop Pond reflect the residential character of this community — primarily single-family homes, local small businesses, and a strong sense of community identity. For Medicare beneficiaries in these neighborhoods, transportation to medical appointments in Waterbury or Watertown is a real consideration. Some Medicare Advantage plans include non-emergency medical transportation benefits, which can be a valuable supplemental feature for residents who no longer drive or who prefer not to navigate busy hospital campuses on their own.

How to Choose a Medicare Provider in Oakville

Selecting a Medicare plan is one of the most consequential decisions an Oakville retiree will make — and because the wrong choice can be difficult and sometimes expensive to undo, it deserves a structured, informed approach. The following step-by-step guide is designed to help Oakville residents in the 06779 zip code navigate their Medicare options with confidence.

Step 1: Know Your Enrollment Window

Your Initial Enrollment Period (IEP) for Medicare runs for seven months: the three months before the month you turn 65, the month of your 65th birthday, and the three months after. Enrolling during the first three months of your IEP ensures that your coverage begins on the first day of your birthday month. Waiting until the month of or after your birthday can delay your coverage start date. If you missed your IEP, you may qualify for a Special Enrollment Period (SEP) based on circumstances such as leaving employer coverage, and you can also enroll during the annual General Enrollment Period (January 1 – March 31) with coverage starting July 1.

Step 2: Inventory Your Healthcare Needs

Before comparing plans, take stock of your current healthcare situation. Which doctors and specialists do you currently see, and are they accepting new Medicare patients? Do you have ongoing prescriptions, and what are their generic or brand names and dosages? Do you anticipate major procedures (joint replacement, cardiac care, cancer treatment) in the coming year? Your answers will shape which plan types and which specific plans are most appropriate for your situation.

Step 3: Check Provider Networks Carefully

If you plan to continue receiving care at Waterbury Hospital or Saint Mary’s Hospital, verify that those facilities are in-network under any Medicare Advantage plan you are considering. Similarly, check that your current primary care physician and key specialists participate in the plan’s network. Out-of-network care under a Medicare Advantage HMO is generally not covered except for emergencies, and out-of-network costs under a PPO can be substantially higher than in-network rates.

Step 4: Compare Total Costs, Not Just Premiums

A $0 monthly premium Medicare Advantage plan may look attractive, but if its out-of-pocket maximum is $8,000 and you anticipate significant healthcare utilization, a plan with a modest monthly premium and lower cost-sharing may actually save you money. Use the Medicare Plan Finder tool at Medicare.gov to compare plans available in zip code 06779, and pay attention to the annual deductible, copays for specialist visits and hospital stays, and the out-of-pocket maximum.

Step 5: Evaluate Drug Coverage Carefully

Whether you choose a Medicare Advantage plan with built-in drug coverage (MAPD) or a standalone Part D plan alongside Original Medicare and a Medigap policy, verify that your specific medications are covered on the plan’s formulary at an acceptable tier. Use the plan’s drug lookup tool or ask your insurance producer to run a formulary check using your current prescriptions. Also confirm that your preferred pharmacy — CVS or Walgreens — is a preferred network pharmacy under the plan to maximize your savings at the counter.

Step 6: Consider Your Risk Tolerance

Original Medicare plus a Medigap Plan G offers the most predictable cost structure: after paying your Part B deductible of $257, you have virtually no additional out-of-pocket costs for covered services at any Medicare-accepting provider in the country. This predictability comes at a cost — Medigap Plan G premiums plus Part B can total $300–$400+ per month in Connecticut — but for Oakville residents who value access flexibility and cost certainty, it is often the preferred structure. Medicare Advantage plans typically cost less month-to-month but expose you to variable cost-sharing that can accumulate during a year of significant health events.

Step 7: Work with a Licensed Connecticut Producer

Connecticut law requires anyone selling or soliciting Medicare insurance products in the state to hold a valid Connecticut insurance license. Working with a licensed producer who specializes in Medicare — such as Connecticut Licensed Insurance Producer Joseph Antonucci (#21658409) — provides several protections: you receive advice that is legally required to be in your best interest, you have recourse through the Connecticut Insurance Department if something goes wrong, and you benefit from expertise that comes from working with many beneficiaries in the Litchfield County market.

Questions to Ask Any Medicare Advisor

• Are you licensed in Connecticut, and what is your license number?
• Do you represent multiple insurance carriers, or are you captive to one company?
• Are Waterbury Hospital and Saint Mary’s Hospital in-network under the plans you are recommending?
• Is my current primary care physician in this plan’s network?
• What is the out-of-pocket maximum for this plan?
• Are my current prescriptions covered on this formulary, and at which tier?
• What happens if I need care when I am traveling outside of Connecticut?
• When is the next opportunity to change my plan if I am not satisfied?

Annual Review During Open Enrollment

Medicare plans can change their premiums, formularies, cost-sharing structures, and provider networks each year. The Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7 each year, during which you can switch Medicare Advantage or Part D plans effective January 1 of the following year. Oakville residents should review their plan’s Annual Notice of Change (ANOC), which carriers are required to send before October 1, to understand what is changing in their current coverage and whether a different plan might better serve them in the coming year.

Nearby Cities Where We Also Help Connecticut Residents

We Find Your Insurance serves Medicare beneficiaries throughout western Connecticut and Litchfield County. If you are researching Medicare coverage for yourself or a loved one in a community near Oakville, we have dedicated resources for your area as well.

Residents in Watertown, CT — Oakville’s neighboring community and the town within which Oakville is located — can access the same range of Medicare Advantage, Medigap, and Part D options. Watertown residents share access to the Waterbury-area hospital network and benefit from the same Connecticut state Medicare protections that apply across Litchfield County.

For those in Waterbury, CT, the state’s fifth-largest city, Medicare plan availability is often broader given the larger population base, and residents there benefit from being in close proximity to both Waterbury Hospital and Saint Mary’s Hospital. Medicare Advantage plan options in Waterbury may differ slightly from those available in the 06779 zip code, making a zip-code-specific comparison essential.

Residents in Thomaston, CT to the north share Litchfield County’s rural character and similar healthcare access considerations. Medicare beneficiaries in Thomaston also frequently utilize Waterbury-area facilities and should pay close attention to provider network participation when evaluating Medicare Advantage plans.

Further south, residents of Middlebury, CT have access to both Litchfield County and New Haven County provider networks, giving them a somewhat broader set of Medicare Advantage plan options while still facing the network evaluation questions relevant throughout western Connecticut.

In addition to Medicare guidance, We Find Your Insurance helps Oakville residents with their full range of insurance and financial protection needs. Learn more about our services in Oakville:

• Life Insurance in Oakville, CT
• Health Insurance in Oakville, CT
• Medicare in Oakville, CT
• Annuities in Oakville, CT

Frequently Asked Questions: Medicare in Oakville, CT