Serving Connecticut Medicare recipients both under and over age 65

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Questions about Medicare Health Plans or Supplements?

If you are like most of our clients you prefer to speak with one agent and not a call center so long as you don't have to pay more for personal service. If this describes you, why not give us a try? Our family of experienced Connecticut insurance agents wants to help your family. And we charge no broker fee!

Call (203) 374-3645 and speak with a licensed insurance agent. Let's see how we can help you.

Our Team

Avis Balkcom-Williams
Life & Health Insurance Agent

Connecticut Insurance Agent.

Alston J. Balkcom
President and Life & Health Insurance Agent

Connecticut-Licensed Insurance Agent since 1985.

Joel A. Balkcom
Life & Health Insurance Agent

Connecticut-Licensed Insurance Agent since 2008.

Frequently Asked Questions

What are the differences between Medicare Advantage policies and Medicare Supplement plans?

Although both types of policies cover medical expenses for Medicare beneficiaries they do so differently.

Medicare Advantage plans are a type of Medicare health plan that is also known as:

  • Medicare Part C

Medicare Advantage plans provide coverage similar to the way a typical employer-sponsored group health policy or an individual (or family) heath insurance policy might have covered you in the past. A private insurer like Anthem Blue Cross, United Health care or Connecticare would pay for your medical expenses subject to a deductible, copays and coinsurance. With this option whatever expenses the insurer fails to pay aare your responsibility.

Your responsiblity may include a deductible, copays and coinsurance. These are generically known as cost shares

Medicare Supplement plans are also known as:

  • Med Supp
  • Supplemental
  • Medigap
  • Gap

Medicare Supplement plans provide coverage that coordinates with Medicare Part A and Medicare Part B. Medicare pays first. However in most cases there will be cost shares (like a deductible, copays or coinsurance) required. Your Medicare Supplemnent carrier may pay for some or all of these cost shares. Any left over cost shares are your responsibility.

Will I need separate prescription drug coverage?

This largely depends on what type of Medical coverage you purchase.

Most Medicare Advantage plans will provide prescription drug coverage, if so you will not need a separate plan (and in most cases your Medicare Advantage plan will be automatically cancelled by CMS if you enroll in standalone drug coverage).

Neither Original Medicare nor any currently sold Medicare Supplement plans provide drug coverage. If you choose to enroll in a Medicare Supplement plan you may want to consider purchasing a standalone Prescription Drug Plan.

Prescription Drug Plans are also known as:

  • Medicare Part D
  • PDP
Will my private information be shared?

Your information is shared when required by law. It is shared with the insurer you select when you decide to enroll. It is also shared with CMS. Otherwise your information is not shared.

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