Medicare 101: What Connecticut Residents Turning 65 Need to Know

Turning 65 is a big milestone—and for many Connecticut residents, it also means it's time to navigate the world of Medicare. Whether you're preparing to retire, still working, or just trying to avoid penalties, understanding your Medicare options is key to making confident decisions. In this guide, we break down the essentials of Medicare so you can feel informed, prepared, and supported every step of the way.

 

When Should You Enroll in Medicare?

If you're turning 65, your Initial Enrollment Period (IEP) begins three months before your birthday month and ends three months after. Missing this window can result in penalties or gaps in coverage, especially if you're not covered by an employer group plan.

Tip: Start reviewing your options 6-9 months before you turn 65 so you don't feel rushed.

 

What Are the Parts of Medicare?

Medicare is made up of four parts:

  • Part A: Hospital insurance (most people get this premium-free)
  • Part B: Medical insurance (doctor visits, labs, outpatient care)
  • Part C: Medicare Advantage plans (bundled plans offered by private insurers)
  • Part D: Prescription drug coverage


You can enroll in Original Medicare (Parts A and B) and add Part D, or choose a Part C plan that often includes drug coverage and additional benefits.

 

What If You're Still Working?

If you have credible coverage through your or your spouse's employer, you may be able to delay Parts B and D without penalty. But every situation is different. It's smart to talk with an advisor before making that decision.

 

What Does Medicare Not Cover?

Original Medicare doesn't cover:

 

  • Dental, vision, or hearing
  • Long-term care
  • Prescription drugs (unless you add Part D)

 

That’s where Medicare Advantage plans or supplemental (Medigap) plans come in. These can help fill the gaps depending on your needs and budget.

 

Get Help Choosing the Right Plan

Medicare isn't one-size-fits-all. Your health needs, prescriptions, doctors, and even ZIP code can affect which plan is best for you. We offer no-cost help comparing your options so you can enroll with confidence.

Conclusion

Navigating Medicare in Connecticut doesn't have to be overwhelming. Whether you want to keep your doctors, save on prescriptions, or just understand your timeline, we're here to help. Reach out to get personalized, local support—no pressure, just clear guidance.