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Mastering Medicare

Turning 65? Congratulations! It's time to enroll in Medicare, the federal health insurance program tailored for Americans aged 65 and over. Our dedicated team is here to guide you through this significant milestone, ensuring a smooth transition and providing the support you deserve in 2024. Connecticut residents benefit from state-specific programs such as Medicare Savings Programs and the Connecticut Prescription Assistance Program (CONN-PAPS), providing financial assistance for low-income beneficiaries.

Embarking on Medicare

Celebrate turning 65 by enrolling in Medicare during the Initial Enrollment Period (IEP)—a 7-month window that opens three months before your 65th birthday and closes three months after. Avoid late-enrollment penalties by enrolling within this timeframe. Medicare comprises various parts:

  • Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, and hospice care.
  • Part B (Medical Insurance): Includes doctor visits, outpatient services, preventive care, and durable medical equipment.
  • Part C (Medicare Advantage): Combines Parts A and B with additional benefits like vision and dental coverage.
  • Part D (Prescription Drug Coverage): Assists in covering the cost of prescription medications.

Renewal and Exploration

Did you know Medicare enrollment isn't a one-time event? During the Open Enrollment Period (October 15th to December 7th), you can review and modify your coverage. Explore options like comparing Medicare Advantage Plans for better networks, lower costs, or additional benefits. Decide whether Traditional Medicare or Medicare Advantage suits you best, adjusting your Part D Plan accordingly. Our team at the Ken O'Hara Agency is ready to help you navigate Connecticut-specific rules, ensuring informed decisions for optimal healthcare savings and benefits.

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Extra Support When You Need It Most

While Medicare is a powerful tool, additional support may be necessary. The Ken O'Hara Agency provides resources for health or financial constraints in Connecticut:

  • Medicare Savings Programs: Alleviate financial burdens for individuals with limited income.
  • Supplemental Medicare Insurance (Medigap): Cover co-pays, deductibles, and other out-of-pocket costs associated with Traditional Medicare.
  • Connecticut Department of Social Services (DSS): Offers various programs and resources for seniors and adults with disabilities, assisting with healthcare costs and enrollment in Medicare Savings Programs.
  • Area Agencies on Aging (AAAs): Provide information and support services, guiding older adults through Medicare enrollment and healthcare options.

Contact Us

Visit us at 48 Purnell Place, Suite 10, Manchester, CT, or give us a call at (860) 327-5202. Let's sit down together, understand your goals, and tailor a plan that's just right for you. Connect with us and allow us to be your partners in building a brighter, more secure future.