Medicare Advantage Plans

What's Covered

Connecticut residents who are disabled can enroll in Medicare's Part A and Part B coverage before they reach retirement age in following situations.

Before age 65, you are eligible for Medicare Parts A & B insurance if:

You have been entitled to Social Security disability benefits for 24 months; or

• You receive a disability pension from the railroad retirement board and meet certain conditions; or
• You have Lou Gehrig’s disease (amyotrophic lateral sclerosis); or
• You worked long enough in a government job where Medicare taxes were paid and you meet the requirements of the Social Security disability program; or
• You are the child or widow(er) age 50 or older, including a divorced widow(er) of someone who has worked long enough in a government job where Medicare taxes were paid and you meet the requirements of the Social Security disability program.
• You have permanent kidney failure and you receive maintenance dialysis or a kidney transplant and:
  • You are eligible for or receive monthly benefits under Social Security or the railroad retirement system; or
  • You have worked long enough in a Medicare-covered government job; or
  • You are the child or spouse (including a divorced spouse) of a worker (living or deceased) who has worked long enough under Social Security or in a Medicare-covered government job.

Once you apply and receive your letter of approval from Medicare that you are covered by Parts A and B, you have several choices available to you as to just how you recieve your benefits.

There are four parts to Medicare: (click to find out more details)

Part A: Hospital Insurance (you can fill in gaps in coverage with Medigap plans A, B, and C only)
Part B: Medical Insurance (you can fill in gaps in coverage with Medigap plans A, B, and C only)
Part C: Medicare Advantage Plans (cover both health care and prescription drugs)
Part D: Prescription Drug Coverage (Medicare Part D drug plans in Connecticut)

Medicare Parts A and B are also referred to as "Original Medicare". If you stay with Parts A and B, you will probably want to purchase a "Medigap Plan" (Medicare Supplemenal Insurance Policy) and a Prescription Drug Plan (Part D) to cover any drugs that are not covered by Medicare (most drugs are not covered by Medicare).

You may also wish to purchase a Medicare Advantage Plan (Part C) with combines hospital, medical, and prescription drug coverage in most contracts available in Connecticut.

There is a lot to learn when it comes to your choices in healthcare under the Medicare programs. We specialize in this area and are more than happy to assist you. You can speak with a specialist by calling
1-800-289-8376 or clicking on this link and submiting a request for assistance.

We alwasys put the interest of your client first. We do not charge you for our services. We are compensated by the carriers providing which ever plan you choose. If you decide not to do anything, you do not owe us a penney. We are happy to be able to make your life simpler regardless.

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