How do I choose the correct plan?
Start with a trusted resource—Joe Violetta and 4 Core Financial. With 27 year's experience and proprietary Medicare tools, Joe helps match plans to doctors, prescriptions, and budget. You can also use Medicare.gov’s Plan Finder or contact Connecticut’s State Health Insurance Assistance Program (SHIP).
What do I do about what Medicare doesn’t cover?
Original Medicare excludes dental, vision, hearing-aids, and long-term care. Many fill gaps with Medicare Supplement (Medigap) or Medicare Advantage (Part C) plans, which may include extras. Some also purchase stand-alone policies, as Advantage options become more limited.
What happens if I don’t make changes?
You may be automatically re-enrolled. But don’t assume—over 70,000 Connecticut Medicare clients will lose their plans in 2026. Premiums, copays, and formularies shift annually so reviewing protects against unexpected costs.
What is the Annual Election Period and how does it affect next year?
October 15 to December 7, you can join, switch, or drop Medicare Advantage or Part D plans. Updates take effect January 1, 2026. Plans change yearly so last year’s fit may not work. Joe Violetta’s team offers free reviews—in person, by phone, or Zoom for quick, tailored guidance.
Important Medicare Dates
Initial Enrollment Period (IEP):
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Begins 3 months before the month you turn 65, includes your birthday month, and extends 3 months after
General Enrollment Period (GEP):
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January 1 – March 31
Annual Enrollment Period (AEP):
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October 15 – December 7
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Changes take effect January 1 the following year.
Medicare Advantage Open Enrollment:
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January 1 – March 31