Connecticut Has Its Own Medicare Rules. We Know Every One of Them.
Connecticut residents get a lot of generic Medicare information online — and most of it doesn't apply here. We're licensed Medicare brokers serving Fairfield County and Western Connecticut, and we work with the specific regulations and plan dynamics that apply in your state, not the national overview you find on lead-aggregator sites.
Why Connecticut Medicare Works Differently Than What You Read Online
Connecticut is one of a small number of states that prohibits Part B excess charges. That single fact changes the entire Plan G versus Plan N conversation for CT residents — and most online comparisons miss it entirely. When you work with a broker who understands Connecticut's regulatory environment, you're not guessing at which plan fits your situation. You're getting guidance built on how Medicare actually functions in this state.
Our brokers have served clients across New York, New Jersey, and Connecticut for nearly two decades. That cross-state experience matters when your situation doesn't fit neatly inside one state's rules — whether you're splitting time between Fairfield County and Westchester, recently relocated from New York, or simply want someone who understands the full regional picture.
Connecticut Prohibits Part B Excess Charges — Here's Why That Matters
In most states, doctors who don't accept Medicare assignment can charge up to 15% above the Medicare-approved amount. That's called an excess charge, and it's one of the main reasons Plan G is often recommended over Plan N nationally. Connecticut law eliminates that risk entirely. No CT-licensed provider can bill you excess charges — which means the primary financial distinction between Plan G and Plan N works differently here than it does in other states. We walk every Connecticut client through this distinction before recommending anything.
Serving Stamford, Greenwich, Danbury, Norwalk, and Surrounding Fairfield County
Our Connecticut clients are concentrated in the western part of the state — the Stamford, Greenwich, Danbury, and Norwalk corridor that connects naturally to the Hudson Valley and Westchester communities we've served since 2006. If you live in Fairfield County or western Connecticut and want to work with a broker who already knows your neighbors, your local carriers, and your state's rules, you're in the right place.
Independent Means We Compare Every Carrier Available to You
We hold no contract with any single insurance company. When we review Medicare Advantage and Medicare Supplement options available in Connecticut, we're comparing plans across every major carrier offering coverage in your area — not steering you toward one company because of a preferred relationship. Our compensation is carrier-regulated and identical regardless of which plan you choose, so our only incentive is finding the right fit for you.
No Pressure, No Scripts, No Call Center
We built this practice on referrals — 30 to 50 per month across our team — because clients trust that we're not running a high-pressure sales operation. We don't purchase leads from aggregator websites. We don't call strangers from lists. Most of our Connecticut clients come to us through a neighbor, a family member, or one of our free community seminars. If you want to understand your options before making any decision, that's exactly the kind of conversation we're here to have.
Medicare Plans We Help Connecticut Residents Navigate
We work with the full range of Medicare coverage options available to Connecticut residents, including:
- Medicare Advantage (Part C) plans from carriers serving Fairfield County and Western CT
- Medicare Supplement (Medigap) plans including Plan G, Plan N, and High-Deductible Plan G
- Medicare enrollment assistance for those turning 65, working past 65, or approaching the Annual Enrollment Period
- Annual plan reviews for current beneficiaries who want to confirm they're still in the right plan
Connecticut's excess charge prohibition is factored into every Medigap recommendation we make. If you're weighing Plan G against Plan N, we'll show you exactly how that comparison looks under CT law — not the generic version.
Free Medicare Seminars — and What to Expect When You Talk to Us
We host five to six free educational seminars every month at local libraries and community venues. These sessions are built around education, not enrollment. We cover how Medicare works, what the enrollment windows mean, and how to think through the plan decision before anyone asks you to sign anything. Many of our Connecticut clients attend a seminar first and schedule a one-on-one conversation after.
If you'd prefer to start with a phone call or a sit-down meeting, that works too. There's no agenda beyond making sure you understand your options.
Connecticut Medicare Questions We Hear Often
Does Connecticut have different Medicare Supplement rules than other states?
Yes. Connecticut prohibits Part B excess charges, which means providers in the state cannot bill Medicare patients above the Medicare-approved amount. This affects how Plan G and Plan N compare for CT residents — a distinction that often gets missed when people research Medigap plans using national resources.Can I work with Medicare Resource Group if I live in Connecticut but spend part of the year in Florida or New York?
Yes. We regularly work with clients who split time between states — including snowbirds and retirees with residences in both Connecticut and Florida. We're licensed across the region and can help you find coverage that travels with you or structure your plan decisions across both locations.Is there a cost to work with an independent Medicare broker in Connecticut?
There is no cost to you. Medicare brokers are compensated directly by the insurance carriers at a rate that is regulated by the state and identical regardless of which plan you choose. You receive the same plan at the same premium whether you enroll through us or on your own — with the addition of a licensed broker who can answer your questions and review your coverage year after year.What's the difference between Medicare Advantage and Medicare Supplement in Connecticut?
Medicare Advantage replaces Original Medicare with a private plan that typically includes additional benefits like dental and vision, often at a lower monthly premium. Medicare Supplement works alongside Original Medicare to cover out-of-pocket costs like copays and coinsurance. The right choice depends on your health, your budget, and how you use healthcare. We walk through both options with every new client before making any recommendation.
You Found a Local Broker. Here's What Happens Next.
Most Medicare websites that show up in a local search aren't actually local. They're national lead-generation platforms that collect your information and distribute it to dozens of agents you've never met. We're not that. Medicare Resource Group is an independent brokerage with a real office in the Hudson Valley and brokers who live and work in the communities we serve — including yours.
When you reach out, you'll hear from someone who knows the carriers available in your area, understands the local doctors and hospital networks your plan needs to cover, and has no financial incentive to recommend one plan over another. Our service is completely free to you, start to finish.