Medicare Advantage
The all-in-one option. Often bundles dental, vision, hearing, and prescription coverage—and many plans have a $0 monthly premium.
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ConnecticutMedical Insurance,made simple.
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Turning 65 Soon
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I just got Medicare and need help understanding it.
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Life Changed
My needs or situation have changed recently.
CT
Connecticut knowledge, personal service.
From Fairfield County to the Quiet Corner, we help you compare the plans available where you live.
Three ways Medicare
can work for you.
We explain what each option actually means for your doctors, medications, and wallet—then let you decide.
Medicare Supplement (Medigap)
Predictable costs and broad freedom. Medigap fills in what Original Medicare leaves behind, with no provider networks to worry about.
Learn more →Prescription Drug (Part D)
Built around your medications. We compare formularies, pharmacies, and true annual costs—not just the monthly premium.
Learn more →How Medicare Works in Connecticut
Connecticut Medicare beneficiaries have more flexibility than almost anywhere else in the country when it comes to Medigap coverage. In most states, once your one-time six-month Medigap enrollment window closes, insurers can turn you down or charge you more if you have a pre-existing condition. Connecticut is one of just four states — along with New York, Massachusetts, and Maine — that require insurers to offer Medigap policies on a guaranteed-issue basis beyond that window. In Connecticut's case, that protection runs year-round: you can enroll in or switch a Medigap plan at essentially any time, without being turned away or charged more for your health history.
That flexibility comes with a tradeoff — because insurers can't screen for health, Connecticut Medigap premiums tend to run higher than the national average. On the Medicare Advantage side, Connecticut residents have real choice too: eight major carriers, including Aetna, Anthem, ConnectiCare, Humana, UnitedHealthcare, CarePartners of Connecticut, Cigna, and Wellcare, offer plans across the state, though exact availability depends on your ZIP code and which hospital network you prefer to stay in.
For anyone turning 65 in Connecticut, or reconsidering their coverage during Fall Open Enrollment, that combination — flexible Medigap rules plus a genuinely competitive Advantage market — means it's worth comparing both paths rather than assuming one is automatically right.
Connecticut's Year-Round Medigap Guarantee
If you're turning 65 or already on Medicare in Connecticut, this is worth knowing: Connecticut law requires all Medigap (Medicare Supplement) plans to be sold on a guaranteed-issue, community-rated basis, year-round. In practice, that means:
- You can enroll in a Medigap plan any time of year, not just during a limited window
- Insurers cannot deny you a policy or charge you more because of a pre-existing health condition
- Everyone pays the same community-rated premium regardless of age, so a 66-year-old and an 85-year-old pay the same rate for the same plan
- You can switch between Medigap carriers later in life if a better rate or plan becomes available — something residents of most other states can't do without new medical underwriting
The tradeoff is cost: because insurers can't use health status to price policies, Connecticut Medigap premiums are generally higher than the national average. For residents with ongoing health conditions, though, that year-round guarantee can be worth far more than the premium difference.
Medicare Advantage — Carrier Landscape
Connecticut residents can choose from plans offered by Aetna, Anthem Blue Cross and Blue Shield, ConnectiCare, Humana, UnitedHealthcare, CarePartners of Connecticut, Cigna, and Wellcare. Plan availability, premiums, and provider networks vary by county and ZIP code — for example, plans built around Hartford HealthCare's network may suit residents in the Hartford area better than a plan anchored to a Yale New Haven or Boston-based network. Most Connecticut Advantage plans carry a $0 monthly premium, though out-of-pocket maximums and star ratings vary by plan and carrier.
Connecticut Medicare FAQ
Can I switch my Medigap plan in Connecticut any time of year?
Yes. Connecticut is one of a handful of states with year-round guaranteed-issue Medigap enrollment, so you're not limited to the one-time six-month window most of the country has.
Does HUSKY Health cover my Medicare costs?
If you qualify for HUSKY C (Connecticut's Medicaid category for people 65+ or with disabilities), it can work alongside Medicare to help cover costs Medicare doesn't. Eligibility depends on income.
What happened to ConnPACE?
ConnPACE, Connecticut's former prescription assistance program for seniors, closed at the end of 2013. Today, the equivalent help comes through the federal Extra Help program and Connecticut's Medicare Savings Program, both covered in our Extra Help section.
Who do I call for free, unbiased Medicare counseling in Connecticut?
Connecticut CHOICES, the state's SHIP program, at 1-800-994-9422. Counselors don't sell insurance and aren't affiliated with any carrier.
Is Medicare Advantage or Medigap better in Connecticut?
It depends on your health, budget, and provider preferences. Connecticut's year-round Medigap guarantee makes switching easier than in most states, while Advantage plans often cost less monthly but come with narrower networks. We can walk through both options with you at no cost.
Three steps. No catch, no pressure.
Tell us what's going on
Your doctors, prescriptions, and what matters most to you.
See the real numbers
We compare available plans and lay out the actual costs.
Enroll when you're ready
If something fits, we'll walk through it together. If not, that's fine too.
Extra Help paying for Medicare in Connecticut
If cost is a concern, these Connecticut and federal programs may lower what you pay. All links go to the official source—no sales pitch, just where to apply.
Extra Help (Part D)
Lowers your Medicare Part D prescription costs—premiums, deductibles, and copays—if you qualify based on income and resources. Many CT residents who apply are surprised they qualify.
Apply via Social Security →HUSKY Health
Connecticut's Medicaid program. If you're 65+ or living with a disability, HUSKY C can work alongside Medicare to cover costs Medicare doesn't. Eligibility depends on income.
Visit CT DSS →Medicare Savings Program
Can pay your Medicare Part B premium for you, and depending on your tier, may also cover deductibles and coinsurance. No cost to apply, no full HUSKY enrollment required.
Apply through CT DSS →CHOICES (SHIP)
Connecticut's free, unbiased Medicare counseling program—not affiliated with any insurer. Screens you for savings programs and answers questions with no sales pitch.
Call 1-800-994-9422 →Things to do in Connecticut
I should admit something before I get into this list: I've lived in Utah for over 40 years, and I still didn't know half of what was sitting in my own backyard until some friends came to visit and started rattling off places they'd been going. Forty years, and I was still learning things about home from out-of-towners.
That stuck with me. So instead of assuming I already knew what Connecticut had to offer, I actually went looking. Below is what stood out — organized less like a tourist brochure and more like how you'd actually plan a day.
Along the shoreline
- Mystic Seaport Museum — The country's largest maritime museum, with a recreated 19th-century seafaring village and the Charles W. Morgan, the last wooden whaling ship still afloat.
- Mystic Aquarium — Marine exhibits and hands-on programs with a strong conservation focus, right next door to the Seaport.
- Long Island Sound — Boating, kayaking, and fishing along the coast, with public access points scattered from Greenwich to Stonington.
Hartford and New Haven, in an afternoon
- Mark Twain House & Museum — Samuel Clemens's Hartford home, a National Historic Landmark with Victorian architecture and exhibits on his life and writing.
- Yale University and its art galleries — New Haven's historic campus, including the Yale University Art Gallery and the Yale Center for British Art — both free and open for tours.
Out in the countryside
- Gillette Castle State Park — A 24-room medieval-style mansion overlooking the Connecticut River, built by actor William Gillette.
- Hammonasset Beach and Sleeping Giant State Parks — Two very different state parks — one coastal, one inland — both good for hiking and a picnic.
- Fall foliage along the Connecticut River Valley — One of New England's best scenic drives once the leaves turn.
Only in Connecticut
- Durham Fair — One of New England's largest agricultural fairs, usually held in late September — rides, animals, and local food.
- Mystic Pizza — The actual pizza shop that inspired the 1980s film — still slinging slices today.
- Olde Mistick Village — An 18th-century-style shopping village that, somewhat improbably, also holds the world's largest PEZ memorabilia collection.
Connecticut is compact enough that almost everything on this list is a short drive from anywhere in the state. If you've got a favorite spot I missed, tell me about it — I'm still learning too.
ABOUT FIRST AMERICAN MEDICARE
Choosing coverage shouldn't feel confusing or rushed.
Whether you're turning 65, retiring, moving, or just double-checking your current plan, our job is to make it clear.
How we work
- Listen first
- Understand what you actually need
- Explain your options in plain English — no jargon
- Compare plans across multiple carriers
- Stick around after you enroll, not just before
We're not trying to sign you up once and disappear. We want to be the people you call every year.
Independent means more choices
We're not tied to one insurance company. We work with many well-known carriers, so we can compare plans against your actual doctors, prescriptions, and budget — and recommend what fits you, not what fits a quota.
Coverage isn't "set it and forget it"
If your prescriptions change, your doctor retires, or your situation shifts, we're still here. Your coverage should keep up with your life, not stay frozen the day you signed up.
What you can expect
- Honest answers
- Personal attention
- Clear explanations
- Respect for your time
- Ongoing support, year after year
Thank you for considering First American Medicare. We'd be glad to help.
LET'S TALK
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(888) 840-5814 info@firstamericanmedicare.com