New Events

Upcoming Medicare Workshops

Medicare Seminar – October 17th at 1:00 PM

Location: Milford Senior Center
Topic: Aetna Medicare Plans for 2025
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

Medicare Seminar – October 22nd at 6:30 PM

Topic: Aetna Medicare Plans for 2025
Location: Stratford Library
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

Low-Income Subsidy Workshop – October 23rd at 1:00 PM

Topic: Aetna Dual Medicare Advantage Plans. It is essential for those with a gray Connect Card from the State of CT.
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

Medicare Seminar – October 24th at 6:30 PM

Location: Stratford Library
Topic: Aetna Medicare Plans for 2025
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

Aetna Medicare Seminar – October 29th at 6:30 PM

Location: Total Mortgage Building, 185 Plains Rd, 2nd Floor (across from my office)
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

Medicare Supplement Plan Overview – November 7th at 1:00 PM

Location: Milford Senior Center
Topic: Pros and Cons of Medicare Supplement Plans. Great opportunity for Q&A.
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

Medicare Seminar – November 12nd & 14th at 6:30 PM

Topic: Aetna Medicare Plans for 2025
Location: Total Mortgage Building, 185 Plains Rd, 2nd Floor (across from my office)
RSVP: Email jimlambert@ctfcc.com or text/call 203-878-4598

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203.878.4598

jimlambert@ctfcc.com

185 Plains Rd., Suite #207 W, Milford, CT 06461

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MEDICARE ADVANTAGE PLANS

Medicare Advantage Plans, also known as Medicare Part C, are comprehensive healthcare options offered by private insurance companies to individuals who are eligible for Medicare. These plans provide an alternative to the traditional fee-for-service Medicare program by bundling together Medicare Part A (hospital insurance) and Part B (medical insurance) benefits.

Medicare Advantage Plans often offer additional benefits beyond what is provided by original Medicare, such as prescription drug coverage, vision and dental care, wellness programs, and hearing aids. These plans operate within a network of healthcare providers and may have different cost-sharing structures, including copayments and deductibles. Medicare Advantage Plans offer individuals a way to receive their Medicare benefits through private insurance companies, providing them with a wider range of options and potentially more comprehensive coverage.

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MEDICARE SUPPLEMENT PLANS

Medicare Supplements, also known as Medigap plans, are private health insurance policies designed to supplement Original Medicare coverage. These plans help fill the gaps in Medicare, such as deductibles, copayments, and coinsurance, which can result in out-of-pocket expenses for beneficiaries. Medicare Supplements are sold by private insurance companies and are standardized, meaning that each plan offers the same basic benefits across different insurers.

There are several Medigap plans available, labeled with letters from A to N, each providing different levels of coverage. These plans offer individuals the flexibility to choose the coverage that best suits their needs and budget. While Medicare Supplements do not cover services like long-term care, dental, or vision care, they can provide valuable financial protection and peace of mind for Medicare beneficiaries by reducing their healthcare costs.

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PART D PLANS

Part D plans, also known as Medicare Prescription Drug plans, are an essential component of the Medicare program in the United States. These plans are designed to provide coverage for prescription drugs, helping to alleviate the financial burden associated with medication costs for eligible individuals.

Part D plans are offered by private insurance companies approved by Medicare and are available to individuals who are enrolled in Original Medicare (Part A and Part B) or Medicare Advantage (Part C) plans. They offer a wide range of prescription drug coverage options, allowing beneficiaries to choose a plan that best suits their specific medication needs.

Part D plans typically have a formulary, which is a list of covered drugs, and beneficiaries pay a monthly premium, deductible, and copayments or coinsurance for their prescription medications. These plans play a crucial role in ensuring that Medicare beneficiaries have access to the medications they need to manage their health conditions and improve their overall quality of life.

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DENTAL INSURANCE

Dental plans for seniors play a vital role in ensuring the oral health and well-being of this age group. As individuals age, they become more susceptible to dental issues and may require specialized care and treatment.

Dental plans tailored for seniors provide comprehensive coverage for a range of services, including preventive care, such as regular check-ups, cleanings, and X-rays, as well as restorative procedures like fillings, crowns, and dentures. These plans often include coverage for periodontal treatments, which are essential for managing gum diseases that become more common with age.

Additionally, some dental plans for seniors offer coverage for oral surgeries, dental implants, and other advanced procedures. With the rising costs of dental care, these plans provide seniors with financial peace of mind, enabling them to access the necessary treatments without the burden of exorbitant expenses. Ultimately, dental plans for seniors contribute to improved oral health, overall well-being, and a better quality of life in the golden years.

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Congratulations on reaching this milestone of turning 65 or becoming eligible for Medicare! It's an important transition in your life, and we're here to help you navigate through the process and make it as smooth as possible.

Medicare can be a bit overwhelming with its complexities and annual plan changes but worry not! As an experienced agent, I can assist you at no cost and provide valuable guidance throughout the journey.

You likely have numerous questions and it's natural to seek answers from someone who can simplify the process for you. That's where we come in – we're here to address all your concerns and make the Medicare enrollment process easy for you.

Here are some common questions you may have:

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Rest assured, we have the answers to these questions and more. Our goal is to provide you with a seamless experience and ensure you have a clear understanding of your Medicare options.

Contact us today, and let's make your transition to Medicare a stress-free and well-informed one. Our team is ready to assist you every step of the way.

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Don't worry if you're feeling confused or overwhelmed by Medicare. We encounter individuals in similar situations every day, and we're here to provide assistance. Let us help you explore your options and find the Medicare plan that best fits your unique needs. Contact us today, and we'll guide you through the process with expertise and clarity.

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Check your immediate concerns:

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Check your immediate concerns:

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If you have other question about medicare, Please write us below

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If you have other question about retirement, Please write us below

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Congratulations on taking the first step towards preparing for your student's college financial plan. It's a wise decision to start early, as it allows for better planning and preparation. We understand that you may have concerns, and we're here to help. Please let us know which of the following concerns resonate with you:

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It feels like just yesterday when you brought them home for the first time, and now we're already discussing college. What concerns do you have?

Insufficient savings for college: If you have very little saved for college, it's important to explore options for funding your child's education. We can discuss strategies to maximize your savings and explore financial aid opportunities.Insufficient savings for college: If you have very little saved for college, it's important to explore options for funding your child's education. We can discuss strategies to maximize your savings and explore financial aid opportunities.
How much to save for college: Determining how much to save for college depends on various factors such as the cost of tuition, room and board, and other expenses. We can help you calculate an estimate based on your goals and resources.How much to save for college: Determining how much to save for college depends on various factors such as the cost of tuition, room and board, and other expenses. We can help you calculate an estimate based on your goals and resources.
Choosing the right account for college savings: There are several options to consider, such as 529 plans, Coverdell Education Savings Accounts, or custodial accounts. We can review the benefits and limitations of each account type to find the best fit for your needs.Choosing the right account for college savings: There are several options to consider, such as 529 plans, Coverdell Education Savings Accounts, or custodial accounts. We can review the benefits and limitations of each account type to find the best fit for your needs
Balancing college savings with retirement funding: It's crucial to strike a balance between saving for college and saving for retirement. We can provide guidance on how to manage both goals simultaneously, ensuring you're not sacrificing your retirement funds. Balancing college savings with retirement funding: It's crucial to strike a balance between saving for college and saving for retirement. We can provide guidance on how to manage both goals simultaneously, ensuring you're not sacrificing your retirement funds.
Funding for college when your student doesn't want to attend: If your child is hesitant about attending college, we can explore alternative paths such as vocational training, internships, or entrepreneurship. We'll work together to find the best fit for their interests and aspirations.Funding for college when your student doesn't want to attend: If your child is hesitant about attending college, we can explore alternative paths such as vocational training, internships, or entrepreneurship. We'll work together to find the best fit for their interests and aspirations.
Ensuring your student can attend their desired college: Regardless of what happens to you, we can help you explore options such as scholarships, grants, and student loans to ensure that your child can pursue their education at the college of their choice. Ensuring your student can attend their desired college: Regardless of what happens to you, we can help you explore options such as scholarships, grants, and student loans to ensure that your child can pursue their education at the college of their choice.
Consideration for other children's needs: We understand you may have other children who also have important financial needs. During our consultation, we can discuss strategies to ensure that all of your children receive the necessary support for their education.Consideration for other children's needs: We understand you may have other children who also have important financial needs. During our consultation, we can discuss strategies to ensure that all of your children receive the necessary support for their education.

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How are you going to Pay for College? What do I do next? Sure you have many concerns such as:

Paying for college and depleting your retirement accounts. It's important to prioritize your long-term financial stability while supporting your student's education. We understand that you want to maximize your college savings plan to ensure you're making the most of your resources. Planning ahead is crucial, and we can assist you in developing a strategy to meet your goals.
Maybe unexpected circumstances disrupted your plans to save for college. Life happens, and now we need to create a new plan. Let’s work together to explore alternative options and find a solution that suits your current situation.

Considering you may have other children who may also want to attend college, it's wise to develop a comprehensive plan that takes all their educational needs into account. We can assist you in creating a customized approach that considers the unique circumstances of each child.

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