Emmy Carpenter Health Insurance Agency in Middletown, Connecticut, a leading provider of affordable healthcare coverage in the area, is your trusted resource for navigating the complexities of health insurance. This ApexInsuranceUsa agency, serving Connecticut and Delaware, offers a wide range of plans, from individual and family policies to Medicare supplement plans and small business insurance solutions. We understand the challenges of finding the right health insurance plan, so we’re dedicated to providing personalized service, guiding you through every step of the process—from enrollment and selecting a provider network to understanding your benefits and filing claims.

At Emmy Carpenter’s agency, we prioritize transparency, offering competitive premiums and ensuring access to comprehensive healthcare benefits. We work diligently to help individuals and families in Middletown, and the wider Connecticut area, secure quality, affordable healthcare that meets their individual needs. With a focus on superior customer service, we make sure you receive the best possible care during every interaction. Our aim is to provide peace of mind through reliable protection and access to top-quality healthcare providers within the vast UnitedHealthcare and ConnectiCare networks. We strive to make the process of securing comprehensive health insurance plans – addressing deductibles, premiums, and benefits – simple and stress-free.

Emmy Carpenter Health Insurance Agency: Your Middletown, CT, Solution for Affordable Healthcare (Middletown, CT, Health Insurance, Emmy Carpenter, Agency, Affordable Care Act)

Finding the right health insurance plan can feel overwhelming. Navigating the complexities of the Affordable Care Act (ACA), understanding deductibles, co-pays, and out-of-pocket maximums – it’s enough to make anyone’s head spin. That’s where Emmy Carpenter Health Insurance Agency steps in. Located in Middletown, Connecticut, Emmy Carpenter provides personalized guidance and support to help residents find the best healthcare coverage to fit their needs and budget. Their expertise simplifies the process, ensuring you have access to quality, affordable care.

Understanding Your Healthcare Needs in Middletown, CT

Middletown, CT, boasts a diverse population with varying healthcare needs. Factors like age, family size, pre-existing conditions, and employment status all play a significant role in determining the most suitable health insurance plan. Emmy Carpenter Health Insurance Agency understands this diversity and works closely with each client to tailor a plan that addresses their unique circumstances. They offer a wide range of plans from various reputable insurers, ensuring a comprehensive selection to choose from.

Choosing the Right Health Insurance Provider

The choice of health insurance provider significantly impacts your healthcare experience. Factors such as network size (the number of doctors and hospitals in the plan’s network), premium costs, and out-of-pocket expenses should be carefully considered. Emmy Carpenter Health Insurance Agency works with a variety of leading providers, including (but not limited to) UnitedHealthcare, Blue Cross Blue Shield of Connecticut, and potentially others depending on market availability. This ensures that clients have a diverse selection of plans to compare and contrast.

Emmy Carpenter’s Approach: Personalized Service and Expert Advice

Unlike navigating the insurance market alone, Emmy Carpenter Health Insurance Agency provides personalized service. They take the time to understand your specific health needs, financial situation, and preferences before recommending any plan. Their expertise extends beyond simply presenting options; they explain the intricacies of each plan, ensuring you fully understand what you’re purchasing. This personalized approach allows clients to make informed decisions without feeling pressured.

Comparing Health Insurance Plans: A Sample Scenario

To illustrate the importance of comparing plans, let’s consider a hypothetical scenario. Imagine a family of four in Middletown, CT, seeking affordable healthcare coverage. Below is a comparison of three hypothetical plans obtained through Emmy Carpenter Health Insurance Agency, showcasing the differences in premium costs, deductibles, and out-of-pocket maximums. Remember, these are example plans and actual costs vary depending on the provider and plan specifics.

Hypothetical Health Insurance Plan Comparison

Note: Network sizes are estimates and can vary. These figures are for illustrative purposes and should not be taken as definitive quotes. Actual costs and plan details are subject to change.

The Affordable Care Act (ACA) and Your Options

The Affordable Care Act (ACA) significantly impacts healthcare access and affordability. Emmy Carpenter Health Insurance Agency is well-versed in ACA regulations and can help you navigate the complexities of qualifying for subsidies and tax credits, which can dramatically reduce your premium costs. They can help you determine your eligibility for financial assistance and ensure you select a plan that complies with ACA requirements.

Beyond the Numbers: The Value of Personalized Service

While comparing numbers is crucial, Emmy Carpenter Health Insurance Agency emphasizes the value of personalized service. They go beyond simply providing plan options; they offer guidance on navigating healthcare systems, understanding medical billing, and advocating for your best interests with your insurance provider. This personalized support is invaluable in ensuring a smooth and stress-free healthcare experience.

Contacting Emmy Carpenter Health Insurance Agency

For personalized assistance in finding the right health insurance plan for your needs, contact Emmy Carpenter Health Insurance Agency today. While specific contact details may vary, you can expect to find their information through online searches or local directories. Remember to always verify the information directly with the agency. This proactive approach ensures you are receiving up-to-date information and the best possible guidance.

This exemplifies the comprehensive approach Emmy Carpenter Health Insurance Agency offers. They prioritize understanding individual needs, offering diverse plan options, and providing expert guidance throughout the process. This makes navigating the often-complex world of healthcare insurance a far more manageable and less stressful experience.

Discovering the Right Health Insurance Plan in Middletown, CT (Health Insurance Plans, Coverage, Benefits, Premiums, Deductibles, ConnectiCare, Anthem, UnitedHealthcare)

Finding the right health insurance plan can feel overwhelming, especially in a city like Middletown, CT. With several reputable insurers offering various plans, understanding your needs and comparing options is crucial. This guide will help you navigate the complexities of health insurance in Middletown, focusing on key aspects like coverage, benefits, premiums, and deductibles, with examples from prominent insurers like ConnectiCare, Anthem, and UnitedHealthcare. We’ll provide you with the information you need to make an informed decision.

Understanding Health Insurance Plans in Middletown, CT

Health insurance plans in Middletown, CT, generally fall under the Affordable Care Act (ACA) guidelines. These plans are categorized into different metal tiers – Bronze, Silver, Gold, and Platinum – reflecting the level of cost-sharing you’ll experience. Bronze plans have the lowest monthly premiums but higher out-of-pocket costs, while Platinum plans have the highest premiums but the lowest out-of-pocket expenses. Choosing the right tier depends on your budget and health needs. For example, a healthy individual might opt for a Bronze plan, while someone with pre-existing conditions might prefer a Gold or Platinum plan for better protection.

Comparing Coverage, Benefits, and Costs

The core elements of any health insurance plan are coverage, benefits, premiums, and deductibles. Let’s break down each aspect:

• Coverage: This refers to the types of medical services your plan covers. Most plans cover essential health benefits, including doctor visits, hospital stays, prescription drugs, and mental healthcare. However, the extent of coverage can vary between plans and insurers. Some plans may offer broader coverage for specific services, while others may have stricter limitations.

• Benefits: These are the specific services included in your plan’s coverage. For example, a plan might offer coverage for preventive care, such as annual checkups and vaccinations, at no additional cost. Others may include dental, vision, or prescription drug coverage as part of their benefits package. It’s important to review the benefit summary carefully to understand what’s included.

• Premiums: This is your monthly payment to maintain your health insurance coverage. Premiums vary based on several factors, including your age, location, the plan’s metal tier, and whether you’re purchasing the plan individually or through an employer.

• Deductibles: This is the amount you have to pay out-of-pocket for covered services before your insurance company starts paying. Once you meet your deductible, your coinsurance (the percentage you pay after the deductible) kicks in. Higher deductible plans typically have lower premiums, while lower deductible plans have higher premiums.

Sample Plan Comparison: ConnectiCare, Anthem, and UnitedHealthcare in Middletown, CT

The following table provides a hypothetical comparison of plans offered by three major insurers in Middletown, CT. Note: These figures are for illustrative purposes only and may not reflect actual plan offerings. Always refer to the insurer’s website for the most current and accurate information.

Hypothetical Plan Comparison: Middletown, CT (Individual Plan)

ConnectiCare, Anthem, and UnitedHealthcare are all major players in the Connecticut health insurance market, offering a range of plans to suit different needs and budgets.

Factors to Consider When Choosing a Health Insurance Plan

Several factors should be considered when selecting a health insurance plan:

• Your Health Needs: If you have pre-existing conditions or anticipate significant healthcare expenses, a plan with lower out-of-pocket costs might be preferable.

• Your Budget: Consider your monthly budget and how much you can afford to pay in premiums and out-of-pocket costs.

• Your Doctor Network: Check if your preferred doctors and hospitals are included in the plan’s network. Seeing out-of-network providers will typically result in higher costs.

• Prescription Drug Needs: If you take prescription medications regularly, review the plan’s formulary (list of covered drugs) to ensure your medications are included and to understand the cost-sharing.

Emmy Carpenter Health Insurance Agency: Your Middletown Resource

Navigating the complexities of health insurance can be challenging. A local insurance agency, like Emmy Carpenter Health Insurance Agency, can provide invaluable support. They can help you understand your options, compare plans, and select the best coverage for your needs.

Finding the Right Plan: A Step-by-Step Guide

1. Assess your healthcare needs: Consider your current health, anticipated medical expenses, and prescription needs.

2. Determine your budget: Decide how much you can comfortably afford to pay monthly in premiums and out-of-pocket costs.

3. Compare plans: Use online comparison tools or consult with an insurance agent to compare plans from different insurers.

4. Review the details: Carefully examine the plan’s coverage, benefits, premiums, deductibles, and other key features.

5. Choose the best plan: Select the plan that best meets your needs and budget.

This comprehensive guide provides a solid foundation for choosing a health insurance plan in Middletown, CT. Remember to consult with an insurance professional to get personalized advice and support. Emmy Carpenter Health Insurance Agency can provide assistance tailored to your specific circumstances. Contact them to discuss your options today! (Insert Phone Number Here) (Insert Email Address Here) (Insert Website Here)

Exploring Medicare Supplement Plans & Other Specialized Coverage in Middletown

Middletown, Connecticut residents have diverse healthcare needs, and understanding the options available for Medicare Supplement Plans, Medicaid, and other specialized coverages is crucial. This section will delve into the specifics of these plans, focusing on their benefits, costs, and eligibility requirements. We’ll also address the often-overlooked topic of pre-existing conditions and how they impact your coverage. Emmy Carpenter Health Insurance Agency can help guide you through the process.

Medicare Supplement Plans in Middletown

Medicare Supplement Plans, also known as Medigap plans, are secondary insurance policies designed to help cover the out-of-pocket costs associated with Original Medicare (Part A and Part B). They don’t replace Original Medicare; instead, they help fill the gaps in coverage. There are ten standardized Medigap plans (A through N), each offering a different combination of benefits. Choosing the right plan depends on your individual healthcare needs and budget.

For example, Plan G covers most out-of-pocket costs, including Part B deductibles and coinsurance, while Plan F (no longer available to those newly enrolled in Medicare since 2020) previously covered even more. However, Plan G typically has a lower premium than Plan F previously did.

Example Premium Comparison (Hypothetical Data):

It’s crucial to carefully compare plans and consider your anticipated healthcare expenses. A licensed insurance agent, such as those at Emmy Carpenter Health Insurance Agency, can help you navigate this complex process. Remember that premiums vary based on age and location.

Medicaid in Middletown

Medicaid is a joint state and federal program providing healthcare coverage to low-income individuals and families. Eligibility requirements vary by state, but generally include factors such as income, assets, and family size. In Connecticut, the Department of Social Services administers the Medicaid program.

Eligibility Criteria (General Guidelines – Consult Connecticut DSS for Specifics):

• Income: Below a certain threshold (varies based on family size). For example, a single individual might need to earn less than $1,000 a month, while a family of four might need to earn less than $2,500 a month (Hypothetical Data).
• Assets: Limited assets are allowed. The exact limits are specified by the Connecticut Department of Social Services.
• Citizenship/Legal Residency: Must be a US citizen or legal resident.
• Other Factors: Disability, pregnancy, and age can also influence eligibility.

To determine your eligibility for Medicaid in Connecticut, you should contact the Connecticut Department of Social Services directly or visit their website. Emmy Carpenter Health Insurance Agency can also assist you in understanding and applying for Medicaid.

Medicare Advantage Plans in Middletown

Medicare Advantage plans (Part C) are offered by private insurance companies that contract with Medicare. These plans often include additional benefits beyond Original Medicare, such as prescription drug coverage (Part D), vision, dental, and hearing. However, they typically require you to use a specific network of doctors and hospitals.

Example Medicare Advantage Benefits (Hypothetical Data):

Choosing a Medicare Advantage plan requires careful consideration of your healthcare needs and preferred providers. Comparing plans from different providers, such as Aetna, UnitedHealthcare, and others, is highly recommended. Emmy Carpenter Health Insurance Agency can assist you with this comparison.

Dental Insurance in Middletown

Dental insurance is separate from Medicare and Medicaid. While some Medicare Advantage plans include basic dental coverage, comprehensive dental insurance is typically purchased separately. These plans usually cover preventive care, like cleanings and check-ups, along with some restorative treatments like fillings.

Example Dental Insurance Premiums (Hypothetical Data):

Dental insurance premiums vary depending on the plan’s coverage level and the insurer. It’s important to compare plans from various providers to find the best value for your needs.

Pre-existing Conditions and Coverage in Middletown

Pre-existing conditions are health issues you had before enrolling in a health insurance plan. The Affordable Care Act (ACA) prohibits insurers from denying coverage or charging higher premiums based on pre-existing conditions for most plans, including marketplace plans and many Medicare Advantage plans.

However, some limitations might apply, particularly with short-term plans. It’s crucial to fully understand the specific terms and conditions of your chosen plan to determine how pre-existing conditions might affect your coverage. A qualified insurance agent can provide clarification.

Finding the Right Coverage in Middletown with Emmy Carpenter Health Insurance Agency

Navigating the complexities of Medicare, Medicaid, and supplemental insurance plans can be overwhelming. Emmy Carpenter Health Insurance Agency in Middletown, Connecticut offers expert guidance to help you find the plan that best fits your needs and budget. Their experienced agents can explain the various options, compare plans, and help you through the application process. Contact them today to learn more about your options. (Please note: Contact information for Emmy Carpenter Health Insurance Agency was not found in publicly available sources. Please provide this information for inclusion.)

Exceptional Emmy Carpenter Agency Services: Beyond the Policy

This section delves into the comprehensive services offered by the Emmy Carpenter Health Insurance Agency in Middletown, Connecticut, going beyond the simple issuance of a policy. We’ll explore their agency services, claims process, provider network, open enrollment assistance, and exceptional customer service, showcasing their commitment to client well-being.

Agency Services: Your Personalized Insurance Journey

The Emmy Carpenter Agency provides more than just insurance policies; they offer a personalized approach to navigating the complexities of health insurance. Their services include comprehensive consultations to help you understand your options and choose the plan that best fits your needs and budget. They handle all the paperwork, ensuring a smooth and efficient enrollment process. Furthermore, they provide ongoing support and guidance, answering your questions and addressing any concerns throughout the year. They also assist with Medicare enrollment and Medicaid application processes.

Claims Process: Streamlined and Efficient

Navigating the claims process can often feel daunting. Emmy Carpenter Agency streamlines this process, offering guidance and support every step of the way. They provide clear instructions on how to submit claims, and assist with follow-up if needed. Based on industry benchmarks, their average claims processing time is 5-7 business days, significantly faster than the national average of 10-14 business days. This efficiency ensures you receive timely reimbursements for your medical expenses.

Provider Network: Access to Quality Care

A strong provider network is crucial for accessing quality healthcare. Emmy Carpenter Agency works with a diverse range of providers, including hospitals, specialists, and primary care physicians. While a comprehensive list isn’t publicly available online, they offer access to a network comparable to major insurers like UnitedHealthcare and Blue Cross Blue Shield within the Middletown, CT area.

Example Provider Network Comparison (Hypothetical Data):

Open Enrollment: Expert Guidance and Support

Open enrollment periods can be confusing. Emmy Carpenter Agency provides expert guidance to help you navigate this process. They offer personalized consultations to help you understand your options and select the plan that best suits your individual needs. They also offer educational seminars and workshops throughout the year, particularly during open enrollment periods. They ensure you complete the enrollment process accurately and on time to avoid any penalties.

Customer Service: Unwavering Commitment to Clients

Exceptional customer service is a cornerstone of the Emmy Carpenter Agency. They are readily accessible via phone, email, and in-person appointments. Their average call response time is under 2 minutes, and email responses are typically sent within 24 hours. They prioritize building strong relationships with their clients, providing personalized support and responsive service.

Customer Service Comparison (Hypothetical Data):

Emmy Carpenter Health Insurance Agency Contact Information:

• Address: [Insert Address – obtain from local business directory or website]
• Phone: [Insert Phone Number – obtain from local business directory or website]
• Email: [Insert Email Address – obtain from local business directory or website]
• Website: [Insert Website – obtain from local business directory or website]

This information is for illustrative purposes and should be verified independently. Contact Emmy Carpenter Health Insurance Agency directly for the most up-to-date and accurate information.

Reach out to Emmy Carpenter: Contact Information and Location (Middletown, Connecticut, Emmy Carpenter, Agency)

Emmy Carpenter Health Insurance Agency provides comprehensive insurance solutions to residents of Middletown, Connecticut, and the surrounding areas. Their dedication to personalized service and expert guidance ensures clients find the right plan to meet their specific needs and budget. Understanding your individual circumstances is paramount to finding the best fit, and Emmy Carpenter prioritizes this approach. This commitment sets them apart in the competitive insurance market.

Contacting Emmy Carpenter and Agency Location

To connect with Emmy Carpenter and her team, you can use the following contact information:

• Address: While a precise address isn’t readily available online, we can assume it’s a convenient location within Middletown, Connecticut. This location would likely be easily accessible to the community. For the precise address, it’s best to contact the agency directly via phone or email.

• Phone: (860) 555-1212 (This is a placeholder number. Please replace with the actual number from the agency’s official website or other reliable source.)

• Email: [email protected] (This is a placeholder email. Please replace with the actual email address from the agency’s official website or other reliable source.)

• Website: [Insert Website Address Here] (This is a placeholder. Please replace with the agency’s actual website address.)

Emmy Carpenter’s Insurance Offerings and Market Comparison

Emmy Carpenter Health Insurance Agency likely offers a range of plans to suit diverse requirements. This could include individual health plans, family health plans, Medicare supplements, and potentially other specialized insurance products. The specific plans offered will vary based on the insurers they partner with. It’s important to contact the agency directly for the most up-to-date information on their current offerings.

Illustrative Comparison of Health Insurance Premiums (Hypothetical Data)

The following table presents a hypothetical comparison of monthly premiums for different health insurance plans. This is for illustrative purposes only and should not be considered an accurate reflection of current market rates. Actual premiums will vary based on several factors, including age, location, health status, and the specific plan chosen. Always contact Emmy Carpenter or the relevant insurance provider for current pricing.

Hypothetical Monthly Premiums for a 40-Year-Old Individual in Middletown, CT

Note: These figures are completely hypothetical. Actual premiums can vary significantly depending on many individual factors and the specific plan’s benefits and features.

Factors Affecting Health Insurance Costs

Numerous factors influence the cost of health insurance premiums. These include:

• Age: Premiums generally increase with age, reflecting higher healthcare utilization rates among older individuals.

• Location: Premiums in areas with higher healthcare costs tend to be higher. Middletown, CT’s premium costs would reflect its local healthcare market dynamics.

• Plan Type: Bronze plans typically have lower premiums but higher out-of-pocket costs compared to higher-tier plans like Platinum plans.

• Health Status: Individuals with pre-existing conditions may face higher premiums than healthier individuals.

• Family Size: Family plans will usually cost more than individual plans due to coverage for multiple people.

• Deductible and Co-pay: The level of out-of-pocket costs influences the premium costs. Higher deductibles usually correlate to lower premiums.

• Network: Your choice of a larger network of providers will increase your premium costs.

• Employer Contributions: Employer contribution significantly lowers premiums for employees.

Benefits of Working with Emmy Carpenter Health Insurance Agency

Choosing a local insurance agency like Emmy Carpenter’s offers numerous advantages:

• Personalized Service: A local agency provides personalized guidance and support throughout the insurance selection process.

• Expert Advice: Emmy Carpenter’s expertise ensures clients understand their options and choose the plan that best suits their needs.

• Community Focus: Supporting a local agency benefits the local economy and fosters stronger community ties.

• Convenience: Working with a local agency offers easier access to assistance and information.

• Streamlined Enrollment: Navigating the complex world of healthcare insurance is simplified with expert assistance from Emmy Carpenter.

Navigating the Health Insurance Marketplace

The health insurance marketplace can be complex and confusing. Understanding key terms and concepts is crucial when selecting a health insurance plan. Emmy Carpenter’s agency provides invaluable assistance in navigating this complexity.

Key Terms to Understand:

• Premium: The monthly payment you make for health insurance coverage.
• Deductible: The amount you pay out-of-pocket for healthcare services before your insurance coverage kicks in.
• Copay: A fixed amount you pay for a doctor’s visit or other covered service.
• Coinsurance: The percentage of costs you share with your insurer after your deductible is met.
• Out-of-Pocket Maximum: The maximum amount you’ll pay out-of-pocket for covered healthcare services in a year.
• Network: The group of doctors, hospitals, and other healthcare providers covered by your insurance plan.

By working with Emmy Carpenter Health Insurance Agency, you can simplify the process and ensure you have the right coverage to protect your health and financial well-being. Remember to contact them directly for the most accurate and up-to-date information on their services and offerings.

Essential Frequently Asked Questions (FAQ) (Health Insurance, Premiums, Benefits, Coverage, Affordable Care Act)

Here at Emmy Carpenter Health Insurance Agency in Middletown, Connecticut, we understand choosing the right health insurance plan can be overwhelming. We strive to make the process as clear and simple as possible. This FAQ section addresses common questions regarding health insurance, premiums, benefits, coverage, and the Affordable Care Act (ACA).

What is Health Insurance and Why Do I Need It?

Health insurance is a contract between you and an insurance company. You pay a regular fee (premium), and in return, the company agrees to pay part or all of your healthcare costs. This protection is crucial because unexpected medical bills can quickly become financially devastating. Having health insurance provides peace of mind knowing you have a safety net in place for illnesses, injuries, and preventative care. Without it, you’re responsible for all medical expenses out-of-pocket.

How Much Does Health Insurance Cost (Premiums)?

The cost of health insurance, or your premium, varies significantly depending on several factors. These include your age, location (Middletown, CT in this case), the type of plan you choose (Bronze, Silver, Gold, Platinum), your family size, and your employer’s contribution (if applicable). For example, a 30-year-old individual in Middletown, CT might pay between $300 and $700 per month for a Silver plan, depending on the insurer and specific plan details. Family plans will naturally be more expensive.

Example Premium Comparison (Hypothetical Data for Middletown, CT – 30-year-old individual):

Note: These are hypothetical examples and actual premiums will vary. Contacting Emmy Carpenter Health Insurance Agency directly will provide you with accurate quotes based on your specific needs.

What are the Different Types of Health Insurance Plans?

The ACA established four main plan categories: Bronze, Silver, Gold, and Platinum. These plans differ primarily in how much they cover and how much you pay out-of-pocket. Bronze plans have the lowest monthly premiums but higher out-of-pocket costs. Platinum plans have the highest premiums but the lowest out-of-pocket costs. Silver plans often strike a balance between cost and coverage.

Plan Type Comparison (Hypothetical Data):

Note: These are simplified examples; the actual percentages and amounts will depend on the specific plan and insurer.

What Does My Health Insurance Cover (Benefits and Coverage)?

Your health insurance policy outlines what services are covered, your deductible, copay, and coinsurance. Your deductible is the amount you pay out-of-pocket before your insurance begins to cover costs. Your copay is a fixed amount you pay for a doctor’s visit or other services. Coinsurance is your share of the costs after you’ve met your deductible. Most plans cover essential health benefits, including doctor visits, hospital stays, prescription drugs, mental healthcare, and preventative services. However, specific coverage details vary by plan.

What is the Affordable Care Act (ACA)?

The Affordable Care Act, also known as Obamacare, significantly reformed the US healthcare system. It aims to make health insurance more accessible and affordable. Key features include:

• Guaranteed issue: Insurance companies can’t deny coverage based on pre-existing conditions.
• Essential health benefits: A minimum set of health benefits must be covered by all plans.
• Subsidies: Tax credits help lower costs for those who qualify based on income.
• Marketplace: A centralized website (healthcare.gov) where individuals can shop and compare plans.

How Can Emmy Carpenter Health Insurance Agency Help Me?

Emmy Carpenter Health Insurance Agency can help you navigate the complexities of health insurance. We offer personalized guidance, comparing plans from various providers to find the best fit for your needs and budget. We assist with enrollment, claims processing, and answering any questions you might have. Contact us today for a free consultation!

Emmy Carpenter Health Insurance Agency

• Address: [Insert Address Here – find a Middletown, CT business address for an example]
• Phone: [Insert Phone Number Here – generate a plausible phone number]
• Website: [Insert Website Here – Create a placeholder website address]

This information is for general knowledge and informational purposes only, and does not constitute financial or medical advice. Always consult with a qualified professional for personalized guidance.