The Cafro Agency – Medicare Insurance Specialists in Killingly CT.

When you have questions about Medicare and Supplemental Insurance, turn to our Medicare Insurance specialists Killingly CT at The Cafro Agency. Medical Insurance is the backbone of our business, and our services range from consulting on the Affordable Care Act to Medicare Supplemental Insurance. At the Cafro Agency we are Medicare experts, Certified Insurance Consultants, and licensed with the State of Connecticut. If you have questions about Medicare parts A, B, C, or D, or would like to understand Medicare Supplemental Insurance, call our helpful staff for a consultation.


  • Medicare Part A is hospital insurance, and helps cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
  • Medicare Part B, or Medical Insurance, helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.
  • Medicare Part C, or Medicare Advantage Plan is run by Medicare-approved, private insurance companies. Medicare Advantage includes all the benefits and services covered under Part A and Part B, may cover extra benefits and services for an added cost, and usually includes prescription drug coverage (Medicare Part D).
  • Medicare Part D is prescription drug coverage.
  • With Medicare you get to choose the coverage you want. Original Medicare includes part A and Part B coverage. For prescription drug coverage, you must join a separate Part D plan. Or you may choose to join a Medicare Advantage Plan, where you will get your Part A and Part B coverage from this plan, not from Original Medicare. Medicare Advantage may include prescription drug coverage.


The Cafro Agency offers a comprehensive one-hour course explaining The Basics of Medicare – Medicare 101. Anyone is invited to attend to gain valuable insight into the various aspects of Medicare Insurance. The Cafro Agency Medicare 101 course is a stand-alone product which may be purchased at our hourly fee. For clients who purchase our products, this Medicare 101 course may be included at no additional cost.


Medicare is a federal health insurance program for Americans who are age 65 or older, younger people with disabilities, and those of any age suffering from permanent kidney damage. Medicare coverage is the same for people who qualify based on disability as for those who qualify based on age. For those who are eligible, the full range of Medicare benefits are available. Coverage includes certain hospital, nursing home, home health, physician, and community-based services.

Medicare Supplemental Insurance (Medigap) plans are divided into Plans A through N. Anyone with this Medigap coverage will be accepted anywhere in the country that takes Medicare. Not all insurance carriers offer every plan, but all plans are identical. These plans only differ by the monthly premium charged by each insurance carrier. The first step in choosing your Medigap policy is to decide on the benefits you need and want while considering your current and future health care needs. You must already have Medicare parts A and B. If you have a Medicare Advantage Plan, you should make sure you can leave that plan before your Medigap policy goes into effect.

For more information go to



Medicare Insurance Specialists | Killingly CT | Cafro Agency Insurance