Medicare Agent | North Haven, CT
Medicare Shouldn’t Be This Confusing. Let’s Fix That.
Connecticut Insurance Group helps Connecticut residents understand their Medicare options, avoid costly mistakes, and choose a plan that fits their doctors, prescriptions, and budget. No pressure. Just answers.
The Medicare Maze Is Real. But It Doesn’t Have to Slow You Down.
Every year, Connecticut residents approaching 65, retiring early, or already on Medicare face the same flood of mail, phone calls, and TV ads, and the same underlying question: which plan is actually right for me?
The answer depends on your specific doctors, medications, income level, and health needs. A large share of Medicare beneficiaries in Connecticut are enrolled in Medicare Advantage plans, many with a zero-dollar premium beyond Part B, while many others choose Medicare Supplement plans for broader cost predictability and provider flexibility. Between the two, neither is a one-size-fits-all solution.
As a licensed AHIP-licensed insurance agent, Corey House works with Connecticut residents to compare plans, explain costs, navigate enrollment windows, and handle the real-life questions that come up after enrollment.
Where Do You Want to Start?
Are You Medicare-Ready?
Turning 65 and still on employer coverage? Retiring before Medicare kicks in? The rules around when to start, when to stop, and how to avoid penalties are specific enough that getting them wrong can follow you for years. It’s worth understanding before you decide anything.
Understanding Your Medicare Options
Medicare Advantage vs. Medicare Supplement. Part D drug plans. Medigap. These terms get thrown around constantly and mean very different things for your care and your budget. Breaking down each option in plain language, without the sales pitch, is exactly what Corey does best.
Medicare Enrollment & Deadlines
Miss an enrollment window and you could pay a late penalty for the rest of your Medicare life. Understanding the Initial Enrollment Period, Special Enrollment Periods, and the Annual Election Period before a deadline passes is a lot less stressful than trying to fix a mistake after the fact.
Questions That Come Up Every Week
Click on a question to find out more.
The most common question, and the most variable answer. Many Connecticut residents on Medicare Advantage have a $0 premium. Medicare Supplement plans carry an additional premium but typically offer more predictable out-of-pocket costs for people who use a lot of healthcare. Income can also affect what someone pays. A needs-based analysis is the best way to find the right fit.
Medicare Advantage (Part C) is a private plan that replaces Original Medicare. Carriers from private insurance companies manage the coverage, which means they also handle prior authorizations and claim approvals. Medicare Supplement (also called Medigap) works alongside Original Medicare to cover gaps like copays and deductibles. The right fit depends on health needs, budget, and how someone uses their coverage. That’s exactly what the conversation with Corey is designed to figure out.
It depends on the plan. Before recommending anything, Corey reviews a client’s medications against each plan’s formulary and confirms preferred providers are in-network. A specialist copay can vary significantly across plans, and some carriers in Connecticut only network with specific hospital systems. The details are worth checking before enrollment.
Late penalties for Part B and Part D can follow someone for life. Most people have a 7-month Initial Enrollment Period around their 65th birthday. Special circumstances, like still being covered by an employer plan, can extend that window. If a window may have already passed, it’s still worth a conversation.
It depends on the employer plan situation. In some situations, enrollment can be delayed without penalty. In others, delaying can trigger lifetime penalties. Getting this wrong can be costly, and the rules are specific enough that a conversation is worth having before making any decisions.
Yes. The Medicare Savings Program is a state-administered program that can pay the Part B premium for people who qualify based on income. Many eligible Connecticut residents aren’t aware it exists. Connecticut Insurance Group helps clients determine eligibility and navigate the application.
Medicare uses a star rating system to measure plan quality and customer satisfaction. Plans with higher star ratings receive better reimbursement rates from Medicare, which generally translates to more claim approvals and fewer coverage issues. When comparing plans, star ratings are one of the factors Corey weighs alongside cost and network.
Why Connecticut Residents Work With Connecticut Insurance Group on Medicare
Corey House is an independent, AHIP-licensed insurance agent based in North Haven, CT, licensed in Connecticut, New York, Arizona, and Florida.
Working independently means he isn’t tied to any single carrier’s product line, and his recommendations are based on what fits each client, not a quota.
He stays current on which Connecticut plans are performing well, which ones are tightening networks, and which carriers have stronger track records for approvals. That’s not information clients can easily get on their own.
He also helps clients apply for the Medicare Savings Program if they qualify, makes sure they understand how to use every benefit in their plan, and stays reachable after enrollment for the questions that come up later.
Medicare Questions?
Start With a Conversation.
Consultations are always no-cost. In-person at the North Haven office, or via Zoom. Most Medicare appointments take about an hour for an individual and up to 90 minutes for a couple.