Lower Connecticut River Valley Planning Region, Connecticut
Medicare agents in Lower Connecticut River Valley Planning Region, CT
Find a licensed agent with an office in Lower Connecticut River Valley Planning Region, and see what Medicare looks like here: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in Lower Connecticut River Valley Planning Region
No agents with an office in Lower Connecticut River Valley Planning Region are listed yet. Agents licensed anywhere in Connecticut can help by phone or video: see agents in Connecticut.
Before you meet anyone, check their Connecticut license.
Medicare in Lower Connecticut River Valley Planning Region
- People with Medicare
- 47,782
- In Medicare Advantage or another Medicare health plan
- 60% (28,843)
- With both Medicare and Medicaid*
- 20% (9,459)
Lower Connecticut River Valley Planning Region ranks 7th of Connecticut's 9 planning regions by number of people with Medicare. 60% are in Medicare Advantage or another Medicare health plan, compared with 57% across Connecticut. 20% also have Medicaid*, compared with 26% statewide.
Source: CMS Medicare Monthly Enrollment, July 2026, for the county and the state. Lower Connecticut River Valley Planning Region has about 177,540 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in Lower Connecticut River Valley Planning Region
CMS lists Connecticut plans by its former counties; these are for the former Middlesex County.
- Medicare Advantage with drug coverage
- 19 plans, 8 with a $0 plan premium
- Medicare Advantage without drug coverage
- 4 plans
- Special Needs Plans
- 17 plans: 12 for people with both Medicare and Medicaid; 4 for people with certain chronic conditions; 1 for people who live in, or need the care of, a nursing home. Only people who qualify can join.
- Companies offering these plans
- 6
For comparison, the typical Connecticut planning region has 16 Medicare Advantage plans with drug coverage for 2027.
Standalone drug plans in Connecticut: 10 plans, with monthly premiums from $13.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Cities, towns and ZIP codes in Lower Connecticut River Valley Planning Region
Everything on this page applies across the whole planning region, including these places.
Cities and towns, largest first
- Middletown
- Cromwell
- Clinton
- East Hampton
- Old Saybrook
- Portland
- East Haddam
- Haddam
- Old Lyme
- Durham
- Westbrook
- Essex
- Killingworth
- Deep River
- Middlefield
- Chester
- Lyme
- Fenwick
ZIP codes
Source: Census Bureau, Vintage 2024 population estimates, the 2020 list of census-designated places, and 2020 ZIP Code Tabulation Areas (which leave out ZIP codes used only for PO boxes). A place or ZIP code that crosses a county line is listed in each county it covers a real part of.
Free local help
- CHOICES (Connecticut Health Insurance Assistance, Outreach, Information and Referral, Counseling, and Eligibility Screening)
- Connecticut's free, unbiased Medicare counseling program. 1-800-994-9422 · Website
- The Connecticut Insurance Department
- Licenses agents and takes complaints. 1-800-203-3447 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
Connecticut rules to know
- Switching Medigap plans
- Year-round rights. Insurers can't turn you down for Medigap because of your health at any time, and prices don't vary by health or age. A wait of up to 6 months for pre-existing conditions is allowed.
- Medigap under 65
- Required, with limits. Connecticut insurers that sell Medigap Plans A, B, C or D to people 65 and older must sell the same plans to people under 65 who have Medicare because of a disability (Plan C only if you were eligible before 2020), at the same community rate; the law does not mention ESRD or set a special 6-month window.
- Agent licenses
- Agents must be licensed for health insurance in Connecticut. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to Lower Connecticut River Valley Planning Region from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in Lower Connecticut River Valley Planning Region have Medicare?
In Lower Connecticut River Valley Planning Region, 47,782 people had Medicare in July 2026, according to CMS. About 60% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in Lower Connecticut River Valley Planning Region for 2027?
CMS lists 19 Medicare Advantage plans with drug coverage in Lower Connecticut River Valley Planning Region (CMS lists plans for the former Middlesex County) for 2027 (8 with a $0 plan premium; you still pay the Part B premium), 4 without drug coverage, and 17 Special Needs Plans for people who qualify, from 6 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Which towns does this page cover?
All of Lower Connecticut River Valley Planning Region, including Middletown, Cromwell, Clinton, East Hampton, Old Saybrook, Portland, East Haddam, Haddam and 10 more. Medicare Advantage plans are generally offered county by county, so the plan counts here apply across Lower Connecticut River Valley Planning Region.
Which ZIP codes are in Lower Connecticut River Valley Planning Region?
06371, 06376, 06409, 06412, 06413, 06414, 06415, 06416, 06417, 06419, 06422, 06423 and 15 more, according to the Census Bureau. A ZIP code that crosses a county line can be listed in more than one county.
Where can I get free Medicare help in Lower Connecticut River Valley Planning Region?
Connecticut's free counseling program, CHOICES (Connecticut Health Insurance Assistance, Outreach, Information and Referral, Counseling, and Eligibility Screening) (1-800-994-9422), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Nearby
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
Ready to talk to someone local?
Search by ZIP code. Verified agents are listed first, and every listing is free to contact.