Understanding Medicare and Medicare Supplemental Insurance

When you turn 65 years old, or when you retire after age 65, you are eligible to enroll in our national Medicare program.

When enrolling in the Medicare program, you are also entitled to enroll in a private plan to mitigate coverage gaps and deductibles. These plans are available through various insurance companies and can be selected based on the one that is best suited for your lifestyle. A Brooks, Todd & McNeil agent can help identify which plan is the best fit for you.

Such plans usually include some form of Medicare Risk Adjustment Factor measurement scores, which are divided into two categories: Medicare Supplement plans and Medicare Advantage plans.

The correct choice of a Medicare plan is dependent on your personal circumstances. This may include current medical conditions, medical history, financial positions and physician relationships.

During open enrollment, which runs from October 15th, 2020 to December 7th, 2020, and is effective the 1st of January each year, you can chose the plan that best fits your needs and is available within your region. A Brooks, Todd & McNeil agent can assist you with the process.

Contact Us About Medicare

As you approach retirement age, please contact us with any questions you may have regarding Medicare and Medicare supplement insurance at Brooks, Todd & McNeil.

We have offices in Torrington, South Windsor, and Enfield.

“You have a great agent, Ed Townsend, working for you. I will say that he went above and beyond for Maria and I on Friday morning. We were getting ready to purchase a new (used) vehicle at Ross Motor Cars and when I called Ed on his cell, I found out that your office was closed. We were looking to have insurance put on our vehicle so that my son could take our car (that I am selling him) for the remainder of the weekend. Ed, even though he was preparing for a holiday weekend, made sure that we got the insurance by contacting Hannover and following through with me to insure that the vehicle would be insured/added to our existing policy. Truly above and beyond what would be expected from anyone else. Thank you for having him work with us on our accounts and I do realize that the attitude does come from the top down…so thanks for an awesome relationship!” — Antonio Ponte
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