Medicare Insurance Hartford County


2022 has been an exciting year for Medicare Insurance Hartford County. In addition to all the Carriers. Recent newcomer, CarePartners of CT achieving 4.5-star rating and boasting a built with local doctors' network, teamwork between your doctors and health plan with doctors taking the lead in your care. Big name Humana just joined in 2022 and is only offering plans in Hartford County. Hartford County is a very competitive market with 76 total plan options including MA, Med Sup, and PDP plans. While this can add to confusion having so many options, when working with a Medicare broker who knows the ins and outs you are sure to maximize benefits to meet your unique circumstances.


Medicare Insurance Hartford County: Available carriers

  • Aetna/Silver Script

  • Anthem

  • Care Partners of CT

  • Connecticare

  • Cigna *Supplement only. Advantage only offered in New Haven County 2022

  • Humana *Hartford County only Advantage

  • UnitedHealthcare/AARP

  • WellCare


Medicare Insurance Hartford County: How to decide?


When deciding what plan options are the best you have some options to get your info and answers.

  • Medicare.gov look up and compare plans and list your doctor preferences and Medication's to get your list of options and estimated costs. This can be done by you or a loved one you trust and should be done yearly to optimize your Medicare benefits.


  • Broker assistance. Senior Health and Life, we pride ourselves in using a consultative approach that gives you all the information you require without ever feeling rushed. The focus here is getting to know you and how you prefer to use your healthcare. There is no additional cost to use a broker and yearly reviews will be performed by your broker to be sure your solutions are always optimized.


  • Wait to be solicited. This may sound like a joke but it's not. If you have been enrolled in Medicare for some time you have come to expect countless calls from all over asking you to switch your Medicare plan. Having a local broker is a good reason for them to take you off their call list and there are other ways to deter but prob not 100%


  • Pick Based on Name. Believe it or not I have met with many people that just picked their first plan on name recognition. Of course, sometimes previous positive experience also fuels this. You may do ok, but chances are about 80% that you could do better when properly researched and with the help of a broker



If you are not ready to ask for help but would like to Compare CT Medicare options, click the link below. Fill out a simple form at bottom of page and the site will populate.





How to apply for Medicare at 65

How to apply for Medicare at 65 is a common question with people aging into Medicare. You have had group coverage for years and want to know how your coverage will change. Many questions may come up while looking into Medicare enrollment.

  • Enrolling on Medicare.gov

  • Local social security offices

  • enroll over the phone

  • helping a loved one enroll

  • Help from a Medicare broker

Those that have been receiving social security payments at least 4 months before they turn 65 will get Medicare A and B automatically.

If the applicant has not been receiving Social Security payments 4 months before they turn 65, they will need to sign up for A and B. They will not get it automatically.


How to apply for Medicare: By phone

If you are still within your initial enrollment period, you can call 1-800-772-1213. If you have passed your initial enrollment period, you will need you will need to enroll in person at a local social security office.


How to apply for Medicare: Online

You or a loved one can help you enroll online when you are in your initial enrollment period. You can use Medicare's official website to get your application started and submitted.


How to apply for Medicare: for a loved one

Generally, if you call and are with the Medicare eligible individual and they give their social and permission to discuss with you, you will be able to help them in this process.


How to apply for Medicare: Help from a broker


It is really never to early or late to get advice for free from a Medicare broker. I speak to many before they are even enrolled in Traditional Medicare (Parts A&B) when enrolled or after enrolling. Some prefer to wait and see how Medicare works before speaking with a broker to get information about Medigap/Supplement plans or Medicare Advantage. You cannot be enrolled in a Supplement or Advantage plan without being enrolled in both parts A and B. After enrolling in Medicare, you can go over best options to increase benefits and optimize your health care to suit your individual needs.


Schedule a free Consultation:

If you would like to Compare CT Medicare plans prior to speaking with a broker, you can do so by filling out the form at bottom of page after clicking compare Medicare plan link:



Call now to find out how to save $170 per month, Mention "help me save" 860-898-0730


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When to sign up for Medicare?

The question When to sign up for Medicare is a very common question asked so don't feel alone. You always want to make sure to avoid future penalties by enrolling before those penalties would go into effect.

  • Does having Employer coverage mean I don't have to enroll?

  • Can I stay on my group plan?

  • Do I have to sign up for both Part A and B together?

  • Do I have to wait until age 65 to enroll?

  • Rules and timelines for enrollment

When to sign up for Medicare: still working


If you have employer coverage and plan to continue to work, great. You will need to enroll in Medicare Part A and in most cases your employer provided coverage will be primary. You can remain on your group plan and won't have to start Part B as long as you have qualified coverage. * Some retirement packages do not offer Healthcare that Medicare deems Qualified and as such would incur late fees if not enrolled. Many people opt out of group plans entirely so that they can receive the benefits of Medicare and a Health plan to work with. You have paid into Part A your whole working life and now you can enjoy the benefits. Part B needs to be paid for and can be setup to come out of your social security. Current cost for Part B is 170.10 for 2022. You can enroll prior to your 65th birthday and is usually a good idea in case of delays. You can enroll on the first day of the month, three months prior to your 65th birthday. If you don't enroll in Part B when eligible you may be subject to penalties for as long as you have Part B. Understanding when your enrollment period starts


It is a good idea to speak to your HR or coordinator for group benefits at work if you continue past age 65. Some companies now offer limited options that work with Medicare. It is important to know that the prescription drug plan is a Medicare qualified plan if you choose to stay enrolled or are retiring and offered extended coverage. Not all coverage is qualified and can result in penalties when you enroll.


When to sign up for Medicare: Speaking to a broker


Getting all the information you can about your individual health care options will help to optimize your benefits and avoid unnecessary penalties or late fees. Turning 65 or retiring can be a very exciting and sometimes stressful time. Senior Health and Life mission is to consult and educate so that the individuals we meet can make an informed decision and pick the best options for their healthcare needs.


If you would like to compare CT Medicare plans on your own before getting help from a professional broker, you can do so here:



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