Medicare Plans in Hartford, CT | Trusted Local Medicare Agent
Compare Medicare Advantage, Medicare Supplement & Part D Plans — All in One Place
- Serving Hartford Area
- Free Medicare Consultation
- Phone & Zoom Appointments
- Personalized Medicare Guidance
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New to Medicare in Hartford? Already Enrolled? Turning 65? I’m Here to Help.
Whether you’re turning 65, working past 65 and transitioning off employer coverage, already on Medicare and considering a change, or under 65 with a disability, you deserve clear, local guidance — not confusion.
With the Annual Enrollment Period ending December 7th, now is the time to make sure you’re in the right plan for 2026.
I proudly help every type of Medicare consumer in the Hartford area:
Turning 65
First-time enrollment, understanding deadlines, avoiding penalties, and choosing the right plan.
Still Working Past 65
Coordinating Medicare with employer insurance to prevent coverage gaps and unnecessary costs.
Retiring After 65
Ensuring a smooth transition from employer coverage to Medicare and avoiding costly mistakes.
Already on Medicare
Annual reviews, cost comparisons, provider network checks, and guidance for plan changes.
Under 65 with Disability
Specialized Medicare support for those under 65 who qualify due to disability.
Caregivers & Family Members
Helping family members and caregivers understand Medicare benefits, coverage options, and plan changes.
Turning 65
First-time enrollment, deadlines, penalties, and choosing the right plan
Still working past 65
Coordinating Medicare with employer insurance
Retiring after 65
Avoiding gaps and costly mistakes
Already on Medicare
Annual reviews, cost comparisons, network checks
Under 65 with disability
Specialized support and plan options
Caregivers & family members
Help understanding benefits and coverage changes
Why Hartford Residents Choose Paul Barrett for Medicare
Unmatched Carrier Access
Unlike captive agents who can only offer one company’s plans, I work with multiple Medicare Advantage and Medigap carriers available in Hartford, allowing me to provide unbiased recommendations based on YOUR needs — not commission.
Education-First Approach
No high-pressure sales tactics. I believe informed decisions lead to better decisions. You’ll understand exactly what you’re enrolling in and why it’s the right choice for your health and budget.
Year-Round Support
My service doesn’t end after enrollment. Need help with a claim? Questions about coverage? I’m here for you 365 days a year, not just during open enrollment season.
Local Hartford Expert
I serve Hartford and surrounding areas throughout Hartford County, from West Hartford to Glastonbury. Convenient phone and Zoom consultations are available.
Medicare Advantage Plans in Hartford, CT
Hartford residents have access to a variety of Medicare Advantage plans from leading carriers. These Part C plans combine Medicare Part A (hospital) and Part B (medical) coverage and often include prescription drug coverage (Part D), along with extra benefits like dental, vision, and hearing.
I Represent These Top Medicare Advantage Carriers in Hartford:
UnitedHealthcare
One of the largest Medicare providers with broad network access.
Horizon Blue Cross
Strong statewide provider networks with local hospital access.
Aetna
Competitive plan options with flexible benefits.
Humana
Wide range of plans designed to fit different healthcare needs.
Wellcare
Affordable plans with prescription drug coverage and added benefits.
Cigna Healthcare
Coordinated care focus with strong provider partnerships.
Molina Healthcare
Plans designed to support diverse healthcare needs.
AmeriHealth
Regional coverage with established Connecticut networks.
Clover Health
Technology-driven plans focused on preventative care.
+ Additional carriers
More Medicare Advantage options available based on your ZIP code and eligibility.
Why So Many Plan Choices Matter
Not all Medicare Advantage plans are created equal. Some plans may look attractive with low premiums but have limited doctor networks or poor customer service. Others may cost more monthly but save you thousands in out-of-pocket costs if you need care.
During our phone or Zoom consultation, here’s what I evaluate for Hartford residents:
Does the plan include YOUR doctors and specialists?
Which hospitals and care facilities are in-network (such as Hartford Hospital, Connecticut Children’s Medical Center, Mount Sinai Rehabilitation Hospital, the Newington VA Medical Center, and other local providers)?
What are the REAL out-of-pocket costs?
Are your prescriptions covered, and at what cost tier?
What extra benefits do you actually value?
Does the carrier have good ratings for customer service and claims processing?
Overwhelmed by Choices?
Let me do the heavy lifting. I’ll compare all plans available in Hartford based on YOUR doctors, prescriptions, and budget — then present you with the top 2–3 options that make sense for your situation.
Medicare Supplement Plans in Hartford, CT
Prefer the freedom to see any doctor or specialist who accepts Medicare — without networks or referrals? A Medicare Supplement (Medigap) plan might be the right fit for you. Connecticut offers standardized Medigap plans, and I work with multiple carriers to help you find the most competitive rates.
Hartford Medigap Carriers I Represent:
UnitedHealthcare (AARP)
Anthem Blue Cross
Humana
Aetna
Aflac
Blue Cross Blue Shield of Connecticut
Globe Life
Manhattan Life
Transamerica
Mutual of Omaha
Bankers Life
American Retirement Life
Multiple carriers = competitive rates and stable pricing over time
Connecticut's Unique Medigap Advantages
Understanding Medigap Pricing in Connecticut
- Attained-Age Rated (most common): Your premium is based on your current age and increases as you get older.
- Issue-Age Rated: Your premium is set by your age when you first buy the policy and doesn’t increase due to aging.
- Community-Rated (least common): Everyone pays the same premium regardless of age.
Guaranteed Issue Rights in Connecticut
- Connecticut offers strong consumer protections. During your Initial Enrollment Period and certain special situations, you cannot be turned down for a Medigap plan due to pre-existing conditions.
Important: Regardless of rating method, premiums can still increase due to inflation and rising healthcare costs. This is why I help you find carriers with good rate stability.
Most Popular Medigap Plans for Hartford, CT
Plan G
Comprehensive Coverage
The gold standard of Medigap plans. After you meet your annual Medicare Part B deductible, Plan G helps cover nearly all Medicare-approved costs, offering predictable expenses and broad coverage.
Best for: Those who want predictable costs and maximum coverage.
High Deductible Plan G
Smart Savings
Offers the same coverage as Plan G but with a higher annual deductible in exchange for lower monthly premiums. Once the deductible is met, the plan covers approved costs at 100%.
Best for: Healthy individuals who want catastrophic protection at a fraction of the cost.
Plan N
Balanced Option
Lower premiums than Plan G with modest cost-sharing for certain services. A balanced option for those comfortable with limited out-of-pocket costs in exchange for monthly savings.
Best for: Those balancing premium savings with good coverage.
Want to See Actual Rates?
I’ll show you side-by-side pricing from multiple carriers so you can make an informed decision. Most people are surprised by how affordable Medigap can be.
Medicare Part D Prescription Drug Plans in Hartford, CT
Hartford residents can choose from multiple standalone Medicare Part D prescription drug plans. If you have Original Medicare plus a Medigap plan, you’ll need a separate Part D plan for prescription coverage.
Finding the Right Part D Plan
The best Part D plan isn’t the one with the lowest premium — it’s the one that covers YOUR specific medications at the lowest total annual cost. A plan with a $0 premium might cost you hundreds more in copays if your drugs are on higher tiers.
I’ll Help You Compare:
- Which plans cover all your current prescriptions
- What tier your drugs fall into (generic vs. brand name)
- Total annual cost (premium + deductible + copays)
- Which pharmacies are preferred (CVS, Walgreens, Costco, local pharmacies)
- Whether you’ll hit the coverage gap (“donut hole”)
Important: Part D plans can change their formularies (drug lists) each year. It’s worth reviewing your plan annually to make sure you’re still getting the best value.
Bring me your prescription list, and I’ll run a personalized analysis to find the Part D plan that saves you the most money.
Free Consultation
We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.
Understand Your Needs
I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.
Compare Your Options
I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.
Enroll with Confidence
Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.
Ongoing Support
Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.
How Working with Paul Barrett Works
Free Consultation
We’ll meet by phone or Zoom — whatever’s most comfortable for you. No cost, no obligation.
Understand Your Needs
I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I understand, the better I can help you.
Compare Your Options
I’ll show you side-by-side comparisons of the Medicare Advantage, Medigap, and Part D plans that fit your situation from all the carriers I represent, not just one company.
Enroll with Confidence
Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.
Ongoing Support
Your coverage starts, and I remain your resource for questions, claims issues, and annual reviews. I’m here for the long haul.
All of This Costs You $0
You might be wondering: “How can this be free?” Simple I’m compensated by the insurance carriers when you enroll, but you pay the exact same price whether you work with me or enroll directly.
The difference? With me, you get expert guidance, access to multiple carrier options, and ongoing support. Going direct means you’re on your own.
Common Medicare Questions from Hartford Residents
Get answers to the questions I hear most often from Hartford Medicare beneficiaries.
There’s no single best option for everyone. Medicare Advantage plans may offer lower premiums and extra benefits like dental, vision, and prescription coverage, while Medicare Supplement (Medigap) plans provide broader provider access and more predictable out-of-pocket costs. I help Hartford residents compare both options based on doctors, prescriptions, and budget to find the right fit.
Medicare plan availability can vary by ZIP code due to carrier participation, provider networks, and local healthcare systems. Even within Hartford, plan options may differ. That’s why I always review plans based on your exact location.
Network participation varies by plan. Before you enroll, I verify whether your preferred doctors, specialists, and Hartford-area hospitals are included in the plan’s network to help avoid unexpected disruptions in care.
Yes. The shingles vaccine (Shingrix) is covered under Medicare Part D. Most Medicare Advantage plans with prescription drug coverage also include it, though copays and pharmacy rules can vary by plan.
Most people qualify for premium-free Medicare Part A. Medicare Part B has a monthly premium based on income and can change over time. I explain these costs clearly so you understand how they affect your overall healthcare budget.
Yes. I help Medicare beneficiaries throughout Hartford and nearby communities. Phone and Zoom consultations are also available for convenience.
In many cases, yes. You may be able to change plans during the Annual Enrollment Period or other qualifying enrollment windows. I’ll review your situation and explain your available options.
Medicare Advantage networks vary by carrier and plan. In the Hartford area, this may include hospitals such as Hartford Hospital, Connecticut Children’s Medical Center, Mount Sinai Rehabilitation Hospital, the Newington VA Medical Center, and other local providers. I check hospital and provider networks before enrollment to help ensure the plan supports your healthcare needs.
Important Deadlines
Turning 65?
You have 7 months to enroll 3 months before your birthday, your birthday month, and 3 months after to enroll in Medicare without penalties.
Annual Enrollment Period
October 15 – December 7 Review and change Medicare Advantage or Part D plans for coverage starting January 1.
Medicare Advantage OEP
January 1 – March 31 Switch your Medicare Advantage plan or return to Original Medicare.
What Hartford Clients Say
Real stories from Hartford residents who found the right Medicare coverage with Paul’s help.
“I had been on the same Medicare plan for years, but when I received notice of changes to my coverage, I was unsure where to start. I contacted Paul, and he was incredibly patient and thorough in helping me understand my options.
Paul walked me through everything step by step, making sure I understood which plans fit my doctors and prescriptions. The process was so much easier than I expected, and I’m confident in my new plan. I highly recommend Paul for anyone looking for clear, honest Medicare advice.”
John D.
Hartford, CT
“Turning 65 seemed like a big decision, and I was overwhelmed by all the Medicare plan options. A friend recommended Paul, and I’m so glad I called. He answered all my questions and helped me choose the best plan based on my needs and budget.
Paul was very professional, and I never felt rushed. He took the time to explain everything so I could make an informed choice. I feel secure knowing I have the right coverage for the next chapter of my life.”
— Barbara T.
West Hartford, CT
About Paul Barrett – Your Hartford Medicare Expert
18+ Years
Experience
18+
Years Experience
5,000+
Clients Served
10+
MA Carriers
12+
Medigap Carriers
I’ve been helping people navigate Medicare since 2007—that’s 18 years of keeping up with constant changes, new plans, and evolving regulations. Over that time, I’ve personally assisted more than 5,000 Medicare beneficiaries find coverage that works for their health and budget.
What sets me apart? I don’t work for any single insurance company. I’m an independent broker representing 10+ Medicare Advantage carriers and 12+ Medigap carriers. This means I can give you truly unbiased advice. My loyalty is to you—not to hitting sales quotas for a corporate office.
I believe in education over sales pressure. My job isn’t to convince you to buy something you don’t need. My job is to help you understand your options so you can make an informed decision. Some clients work with me for 15 minutes and know exactly what they want. Others need multiple conversations to feel confident. Either way is fine—I’m here to serve you at your pace.
When you work with me, you’re not just getting an agent for enrollment season. I’m available year-round to help with claims issues, coverage questions, and annual reviews. Medicare can be confusing, and having someone in your corner makes all the difference.
— Paul Barrett
The Modern Medicare Agency
