Accident and Health Insurance

Medicare Supplements
Medicare supplement plans are designed to cover the medical needs of individuals covered by Medicare. Chester Perfetto Agency, Inc. provides insurance services to meet the insurance needs of individuals, families, and businesses.
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Medicare Advantage
Medicare Advantage Plans, sometimes called“MA Plans” or “Part C” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits.
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Part D Prescription Plans
Private Health Insurance programs are designed for individuals and families who cannot obtain health insurance through an employer.
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Chester Perfetto Agency, Inc. offers a complete line of insurance and financial products and services ranging from life and disability income to group life and health insurance. These products and services are designed to provide solutions to your personal and business financial needs, including:


Original Medicare consists of Parts A & B. You are eligible for Medicare at age 65 or if you qualify for disability. Original Medicare covers 80% of medical expenses.

Medicare Supplements

A Medicare Supplement Insurance, or Medigap policy, is offerd by private companies like Chester Perfetto and can help pay some of the health care costs that Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

Medicare Advantage

Medicare Advantage is a type of Medicare health plan offered by independent insurance agencies, like Chester Perfetto, who contract with Medicare to provide you with all your Part A and Part B benefits.

Medicare Prescription Plans

Medicare Prescription Plans, also called Medicare Part D, is a federal-government program to subsidize the costs of prescription drugs and prescription drug insurance premiums for Medicare beneficiaries.

Individual Disability Insurance

An Individual Disability Insurance will provide supplementary income in the event of an illness or accident resulting in a disability that prevents the policy holder from working.

Private Health Insurance

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer.