Needs Assessment – We get to know your medical, financial, and personal priorities
Trusted Medicare and Insurance Guidance in CT, NY & NJ
Helping you navigate Medicare Plans, Stand Alone dental, vision, and life insurance with clarity and compassion. Contact us for a Complimentary Consultation
about us
Who We Are
At Health Care Choice, we specialize in helping beneficiaries in Connecticut, New York, and New Jersey make informed decisions about their health and life insurance coverage. We're an independent agency focused on delivering personalized, unbiased advice — always putting your needs first.
Our Mission
To simplify complex insurance choices and ensure every client gets the coverage they deserve at the best possible cost.
Our Founder
Health Care Choice was founded with a passion for advocacy and education. We know the insurance landscape can be confusing — and we’re here to help you navigate it with ease and confidence. Vladimir Reynoso, our founder, has over 15 years of experience in the financial services industry. He has dedicated his career to helping clients not only with their health insurance needs but also with wealth building, retirement planning, insurance planning, and estate planning. His holistic approach ensures that every client is supported through all stages of life with experienced guidance and care.
New to Medicare? Start Here.
Navigating Medicare for the first time can feel overwhelming — but it doesn’t have to be. At Health Care Choice, we guide you step-by-step through the essentials so you can make informed, confident choices about your health care.
The ABCs of Medicare
Medicare is the federal health insurance program for people aged 65 and older, and for certain younger people with disabilities. It is divided into several parts:
Part A
Hospital Insurance: Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Part B
Medical Insurance: Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
Part C
Medicare Advantage: An alternative to Original Medicare offered by private insurance companies that includes Part A, Part B, and usually Part D.
Part D
Prescription Drug Coverage: Helps cover the cost of prescription drugs.
When and How to Enroll
Most people first become eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday, includes your birthday month, and ends 3 months after. You can enroll online through Social Security, or we can assist you with the process.
What Are Your Coverage Options?
Once you’re enrolled in Medicare Part A and Part B, you have two primary paths to choose from:
1. Original Medicare + Medicare Supplement + Part D
– You keep Original Medicare (Parts A & B)
– You add a Medicare Supplement (Medigap) plan to cover out-of-pocket costs
– You add a stand-alone Part D plan for prescription drugs
2. Medicare Advantage (Part C)
– All-in-one alternative to Original Medicare
– Often includes prescription drug coverage (Part D)
– May offer extra benefits like dental, vision, hearing, and wellness programs
Need Help Choosing?
We’ll help you compare your options based on your doctors, prescriptions, budget, and lifestyle. Our goal is to simplify the process and help you feel confident in your choice.
Services
Medicare Insurance Plans
– Medicare Advantage (Part C)
– Medicare Prescription Drug Plans (Part D)
– Medicare Supplement (Medigap)
Help With State & Federal Assistance Programs
We help eligible clients apply for:
– Medicare Savings Program (MSP)
– Extra Help (Prescription Drug Assistance)
– Medicaid & Dual-Eligible Programs
Dental & Vision Plans
– Stand-alone coverage from various carriers.
Life Insurance & Final Expense Planning
– Life insurance tailored to your needs
– Final Expense policies for peace of mind
How We Work
Plan Matching – We search across major carriers for the best plan tailored to you
Cost Assistance – We guide you through applying for financial assistance programs
Ongoing Support – We’re here year-round, not just during enrollment season
Contact Us
Let’s Talk — Your Health Coverage Starts with a Conversation
📍 Serving Seniors Across Connecticut, New York, and New Jersey
📞 203-297-8886
📧 vladimir@healthcarechoicecorp.com
“We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”
* If you sell all carriers in a service area, “Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.”
“This is a solicitation for insurance.”
“Not affiliated with the U. S. government or federal Medicare program.”
