The Cafro Agency – Medicare Insurance Specialists Serving Norwich CT.

When you have questions about Medicare, call in Medicare Insurance Specialists for the answers in Norwich CT. The Cafro Agency is a local insurance agency specializing in Medicare Insurance serving the greater Norwich area. Whether you are a small business or an individual and you have questions about Medicare, we are always happy to consult with you. 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 explore your Medicare Supplemental Insurance options, call our helpful staff for a consultation.

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.


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 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.

MEDIGAP Plans A through N

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.

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Medicare Specialists | Norwich CT | Cafro Agency Insurance