Medicare Advantage
Medicare Advantage plans are health care options that are part of the Medicare program. Coverage may include prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
ABOUT PH PALUMBO AGENCY
A More Personal Approach to Health and Medicare Coverage
Health insurance decisions can feel overwhelming, especially when unexpected bills, letters, or coverage questions come up.
Our goal is simple. We help make things easier.
We work with individuals and families throughout Connecticut and nearby Rhode Island, including areas such as Hartford, New Haven, Groton, New London, Providence, and Newport, helping them understand their Medicare and health insurance options and feel confident about their coverage decisions.
Whether you're enrolling in Medicare, reviewing your current plan, or exploring additional protection like life or supplemental insurance, we're here to provide clear answers, personal support, and guidance when questions come up.
Learn About the Types of Coverage We Offer
Your needs and situation are unique. We are commited to spending the time to get to know you to make sure that you get coverage and support that fits your lifestyle.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Dental Insurance
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Critical Illness
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance typically pays a lump sum. Some may pay a monthly cash benefit
Indemnity Insurance
Hospital Indemnity Insurance can provide gap coverage to help offset co-pays, deductibles, and incidental expenses not covered by your medical insurance.
Why Work With Us?
We help make Medicare and health coverage easier to understand.
When questions come up — whether it’s a confusing bill, a coverage letter, or a change in your plan — we’re here to help you sort through it and find the right answer.
Support that doesn’t stop after enrollment.
Choosing a plan is just the beginning. We continue to help clients review their coverage, understand their options, and make adjustments as their needs change.
We Are Here For You! Let's Get In Touch.