Turning 65, or already on Medicare?
Medicare made simple, at no cost to you.
We are local Connecticut licensed agents. We explain how Medicare works, compare the plans we offer side by side, and help you enroll. You are never charged a fee for our help.
Why people call us
Medicare has a lot of moving parts. We handle them with you.
Choosing a plan is confusing, and the mail you are getting does not make it easier. We sit down with you, look at your doctors, your prescriptions, and your budget, then walk you through the plans we offer so you can decide with confidence.
- We explain how Medicare Parts A, B, C, and D actually work, in plain English.
- We check whether your doctors and prescriptions are covered before you enroll.
- We compare your employer coverage against the Medicare plans we offer.
- We help you see whether you qualify for state or federal savings programs.
- We show you how to avoid late enrollment penalties and missed deadlines.
- We stay available after you enroll, for questions, claims, and yearly reviews.
How we help
Four ways we work with you
Every one of these starts with a free conversation. There is no cost and no obligation.
New to Medicare, start here
A plain overview of how Medicare works, what you need to do to activate it, which deadlines matter, and which plan types fit your situation. We help you complete the applications.
Employer plan compared to Medicare
Still working at 65 and staying on your employer plan? We put your current coverage next to the Medicare plans we offer so you can see the real difference in premiums, coverage, and out of pocket costs.
Prescription drug coverage
We enter your prescriptions and compare the drug plans we offer to see which one covers your medications at the lowest cost to you. We also check pharmacy networks.
Long term care and home health
Medicare does not cover long term care. We review the options with you, including home health care, assisted living, and skilled nursing, and explain how coverage works before you need it.
Worth asking about
You may qualify for help paying your Medicare costs.
Connecticut and the federal government both run assistance programs for people under certain income and asset limits. These programs can help pay your Part B premium and lower what you pay for prescriptions. The limits change each year, and many people who qualify never apply because they do not know the programs exist.
We check your eligibility during your consultation and help you fill out the paperwork if you qualify.
From our clients
What Connecticut residents say
He spent about an hour at my house explaining how Medicare works and walking me through all of the plan options. Based on my health needs, he helped guide me to a plan I am still on today. I could not be happier.
Pete S., Connecticut
He is the only agent who took the time to fully explain how Medicare works, and how my individual situation affected which plans I was eligible for. He is always one phone call away.
Carmella M., Connecticut
From the very beginning, starting with the Medicare 101 overview, he guided me through every step and helped me make better informed decisions. He designs a plan around your medical history.
Tom B., Connecticut
Talk to a licensed agent this week.
Bring your questions, your prescription list, and your current plan card if you have one. We will take it from there. The consultation is free and you are never obligated to enroll.
About us
Who we are
PHK Health & Wealth LLC is a locally focused agency serving Connecticut residents with care and professionalism. We work closely with every person we serve to understand their situation and help them make an informed decision about their coverage.
We believe in doing good work, communicating clearly, and treating people the way we would want to be treated. Whether you are reaching out for the first time or coming back for your yearly review, we are glad to have you here.
Our mission
To provide a professional, reliable experience built on trust, clear communication, and genuine care for the people we serve.
How we are paid
Our service costs you nothing. We are compensated by the insurance carriers we represent, not by you, and there is never an obligation to enroll in anything we show you.
Our values
What we hold ourselves to
Integrity
We do what we say we will do. Honest communication and dependable follow-through are the foundation of how we work.
Clarity
No jargon and no pressure. We explain your options in plain language and give you the time you need to think them over.
People first
Every conversation starts with the person in front of us. We listen first, then help you find the option that fits your situation.
Availability
We are here after you enroll, not just before. Call us with questions about a claim, a bill, or a change to your plan.
Contact us
Get in touch
Have a question or ready to get started? Fill out the form below and a licensed agent from our team will get back to you within one business day.
Send us a message
Request a free consultation
Fields marked * are required.
Request received
Thank you. We will be in touch soon.
A licensed agent from our team will get back to you within one business day. If your question is time sensitive, call us during business hours at +1 860-453-9441.
Frequently asked questions
Common questions
Cannot find what you are looking for? Reach out through our Contact page.
The easiest way is the contact form on our Contact page. Leave your name, email, and phone number and we will reach out. You can also call or email us directly using the details on that page. We respond to all inquiries within one business day.
Our business hours are listed on the Contact page. If you reach out outside of those hours, send us your details through the contact form and we will get back to you on the next business day.
We aim to respond to every request within one business day. For time-sensitive matters, calling us directly during business hours is often the quickest option.
No. There is no fee for our service and no obligation to enroll in anything. We are compensated by the insurance carriers we represent, not by the people we help.
We only text you if you check one of the optional text message boxes on our contact form. One box covers customer care messages such as replies to your inquiry and appointment reminders. The other covers marketing messages about Medicare plans and enrollment periods. You can choose either, both, or neither. Message and data rates may apply and message frequency varies. Reply STOP to any message to opt out, or HELP for assistance. We never sell or share your phone number or opt-in information with third parties for their marketing.
Our address is listed on the Contact page. Send us a message through the contact form if you have any questions before stopping by.
Fill out the short form on our Contact page with your name, email, and phone number, and a licensed agent from our team will reach out to set up your free consultation.
Legal
Privacy Policy
[[BUSINESS_NAME]]
Effective Date: January 1, [[YEAR]]
1. Information We Collect
We collect the following types of information:
Personal Information
- Name, email address, and phone number you provide through the contact form on our website, by phone, or by email
- Mailing address and other details you choose to share during a consultation
- Opt-in records and timestamps for all communication channels (SMS, email, etc.), including which text message categories you consented to
Non-Personal Information
- IP address, browser type, device information
- Website usage patterns and analytics
- Cookies and similar technologies
Customer Communication
- Records of inquiries and service requests
- Appointment details and preferences
- Service history and feedback
2. How We Use Your Information
We use collected data for:
- Responding to your inquiry and providing our services
- Scheduling and confirming consultations
- Communicating with you about your inquiries and appointments, and, only if you separately opted in, about Medicare plans and enrollment periods
- Enhancing website functionality and user experience
- Ensuring security and fraud prevention
- Maintaining records of your communication preferences and consent
3. SMS Messaging & Compliance
Text Message Program Terms & Conditions
Our website contact form offers two separate, optional text message consent checkboxes. Neither box is pre-checked and neither is required to submit the form. Checking the customer care box means you agree to receive text messages related to your inquiry, including replies, appointment confirmations and reminders, and customer support. Checking the marketing box means you agree to receive promotional text messages about Medicare plans, enrollment periods, and educational events.
Opt-In & Consent
- You will only receive messages if you have explicitly opted in
- You will only receive marketing messages if you checked the marketing consent box
- We maintain timestamped records of all opt-in actions
- Consent is not a condition of purchase
- We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
Opt-Out Instructions
- You can cancel SMS notifications at any time by replying "STOP"
- You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
- All opt-out requests are processed immediately
Message Frequency & Content
- Message frequency varies based on your interactions with our business
- Customer care messages will be directly related to the services you have requested
- We do not send promotional content without your specific consent
Help & Support
- Reply "HELP" for assistance or contact us at [[EMAIL]] or [[PHONE]]
- Customer support is available during regular business hours
Carrier Information
- Message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
- Supported carriers include AT&T, Verizon, T-Mobile, and most regional carriers
SMS Data Protection Statement
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We implement strict data protection measures to safeguard your SMS opt-in information and consent records.
4. Information Sharing & Disclosure
We do not sell, rent, or trade personal information. We may share information with:
Service Providers
- Third-party vendors who assist in our operations (e.g., CRM, appointment scheduling)
- SMS aggregators and providers solely for the purpose of delivering messages you have consented to receive
- Insurance carriers, only when you ask us to help you apply for or enroll in a plan
- All service providers are contractually obligated to maintain confidentiality and security
Legal Compliance
- If required by law, legal process, or to protect our rights
- In response to valid law enforcement requests or court orders
Business Transfers
- In case of mergers, acquisitions, or sale of assets
- In such cases, your data remains protected under the terms of this policy
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
5. Data Security
We implement and maintain reasonable security measures to protect your personal information:
- Encryption of sensitive data in transit and at rest
- Secure access controls and authentication mechanisms
- Regular security assessments and updates
- Employee training on data protection
- Breach notification protocols in accordance with applicable laws
- Secure backup systems and disaster recovery procedures
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Analyze site traffic and user behavior
- Remember your preferences
- Improve website functionality and user experience
- Measure the effectiveness of our services
You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.
7. Your Rights & Choices
You have the right to:
- Access, update, or delete your personal information
- Opt-out of marketing emails by clicking "unsubscribe" in our emails
- Opt-out of SMS messages by replying "STOP"
- Request information on how we process your data
- Withdraw consent at any time for future communications
- Lodge a complaint with a supervisory authority if you believe your rights have been violated
To exercise these rights, please contact us using the information in Section 10.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by [[BUSINESS_NAME]].
9. Changes to This Privacy Policy
We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.
10. Contact Us
If you have questions about this Privacy Policy or how your information is handled, contact us at:
[[BUSINESS_NAME]]
Address: [[ADDRESS]]
Phone: [[PHONE]]
Email: [[EMAIL]]
Website: [[WEBSITE]]
By using our website and services, you consent to this Privacy Policy.
Legal
Terms of Service
[[BUSINESS_NAME]]
Effective Date: January 1, [[YEAR]]
SMS Messaging Terms & Compliance
1. Program Description
[[BUSINESS_NAME]] operates two text messaging programs for people who submit the contact form on our website at [[WEBSITE]]. Opt-in is collected through two separate, optional checkboxes on that form. Neither box is pre-checked and neither is required to submit the form.
- Customer care messages. Replies to your inquiry, appointment confirmations and reminders, rescheduling updates, and customer support communications.
- Marketing messages. Information about Medicare plans, enrollment periods, and educational events. Sent only if you checked the marketing consent box.
Consent to receive text messages is not a condition of purchase.
2. Cancellation Instructions
You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
3. Support Information
If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to [[EMAIL]] or call [[PHONE]] during business hours.
4. Carrier Liability
Carriers are not liable for delayed or undelivered messages.
5. Message & Data Rates
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your inquiry and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.
6. Supported Carriers
Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, and most regional carriers.
7. Age Restriction
You must be 18 years or older to participate in our SMS program.
8. Privacy Policy
For privacy-related inquiries, please refer to our Privacy Policy.
We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.
General Terms
This website (the "Site") is owned and operated by [[BUSINESS_NAME]] ("COMPANY," "we" or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from [[BUSINESS_NAME]].
Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.
We reserve the right to change these Terms of Service or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.
Intellectual Property Rights
Our Limited License to You
This Site and all the materials available on the Site are the property of [[BUSINESS_NAME]] and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use.
You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us.
Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
Your License to Us
By posting or submitting any material (including comments, blog entries, social media posts, photos, and videos) to us via the Site, internet groups, or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material. This license does not apply to personal information you submit through our contact form, which is handled according to our Privacy Policy.
Disclaimers
Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites.
The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.
You agree at all times to indemnify and hold harmless [[BUSINESS_NAME]], its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service.
Termination
We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms of Service or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Connecticut. Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in that jurisdiction.
Changes to Terms of Service
We may update these Terms of Service from time to time. The latest version will always be available on our website with the effective date.
For any questions regarding these Terms of Service, please contact us at:
[[BUSINESS_NAME]]
Address: [[ADDRESS]]
Phone: [[PHONE]]
Email: [[EMAIL]]
Website: [[WEBSITE]]
By using our website and services, you consent to these Terms of Service.