CT Insurance Agency is an independent insurance agency, owned and operated by medicare insurance agent, Craig Thibeau, specializing in Medicare Insurance Plans. We work with the major insurance companies so we can offer our Sterling CT clients appropriate coverage for them. Our clients are located all across Connecticut seeking medicare insurance agent near me, giving us a great feel for the insurance landscape. We design plans with a focus on low costs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
From day one we have led the insurance industry by basing our business on the commitment to our clients and prospects by:
✔ Prompt Response
✔ Listening To Your Needs
✔ Focusing on Personalization
✔ Responsive Customer Service
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
A Medicare supplement insurance4, otherwise known as Medigap, sold by private companies, can help pay some of the health care costs that original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty. To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.
Five years ago my husband was diagnosed with prostate cancer. That in itself was such devastating news. Then we were faced with all sorts of financial worries. Dealing with cancer is hard enough. We needed to find adequate and affordable insurance other than what we had. Backus Hospital’s financial office recommended we contact Craig Thibeau. We were so pleasantly surprised to meet him. Craig seems to be able to empathize and relate to this population of folks who are older. Over the five years Craig has come to our home every year to go over our present situation and coverage. Craig will never push you on any decision. His absolute superior knowledge of the many plans is incredible. He will suggest a plan that he feels will fit your needs. Obviously, your health and or situation can change from year to year. It’s that yearly visit with Craig that we look forward to every Fall. We trust Craig wholeheartedly with our insurance coverage. He is professional, personable, trustworthy and a very genuinely nice man. We feel so fortunate to have him in such a helping capacity.
Craig was incredibly helpful and patient when it came to choosing the right insurance for me. His knowledge and expertise in the field were evident from the start. He took the time to understand my needs and provided informative and comprehensive guidance.Craig's kindness and professionalism made the process enjoyable. He never rushed me and answered all my questions with care. I couldn't have navigated the overwhelming options without his expertise.Thanks to Craig, I found the perfect insurance coverage that met all my requirements. His tailored recommendations provided me with the peace of mind I was seeking.I am truly grateful for Craig's assistance. His exceptional service exceeded my expectations. I highly recommend him to anyone in need of personalized insurance advice.In conclusion, Craig's helpfulness, patience, and expertise were invaluable. He made a complex decision simple and guided me towards the coverage I needed. Thank you, Craig, for your outstanding service.