CT Insurance Agency
Insurance Company in Niantic, CT
CT Insurance Agency is an independent insurance agency specializing in Medicare Insurance Plans. We work with the major insurance companies so we can offer our clients appropriate coverage for them. Our clients are located all across Connecticut, 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.
Social Profiles
Contact Details
Products & Services
Medicare Advantage Plan
read moreA 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 youre enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and arent paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.Medicare Supplement Insurance
read moreA Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesnt cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesnt 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 Part D Prescription Plans
read moreMedicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when youre first eligible, and you dont have other creditable prescription drug coverage, or you dont get Extra Help, youll 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.Final Expense
read moreFinal expense needs are usually covered with a whole life insurance policy. The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased. The cost of final expense coverage is very affordable, even if you have some health problems. The application process is quick and easy. You can apply for final expense insurance coverage without having to undergo any medical examination you simply answer the questions on the application.Long Term Care
read moreLong Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age. Rising life expectancy means that the potential need for long-term care grows with every passing year of your life.Reverse Mortgages
read moreA reverse mortgage works by allowing homeowners age 62 and older to borrow from their homes equity without having to make monthly mortgage payments. As the borrower, you may choose to take funds in a lump sum, line of credit or via structured monthly payments. The repayment of the loan is required when the last surviving borrower vacates the home permanently.Reviews Write a Review
Phyllis & Andy Pintal
Sep 02, 2022
Five years ago my husband was diagnosed with prostrate 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 insurace other than what we had. Backus Hospital’s financial office recommended we contact Craig. 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 ever 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.
Dwight & Betsy Hopkins
Sep 27, 2021
Craig’s knowledge of insurance plans helped us to make an informed decision on what worked for us. We are so happy that we found Craig to guide us in the right direction.
Key People
Craig Thibeau
Founderread moreOur mission is to provide seniors with assistance in understanding and making the right decisions when it comes to insurance. We have the skills, knowledge, and experience to help meet our clients established goals. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plan.