Licensed Advisor

Michael Civitano

Michael focuses on finding the right fit for every client — whether that’s a Medicare plan or supplemental coverage like dental, vision, and hospital indemnity.

Direct line

845-549-0266

Email

Michael@bayoubenefits.com

Ready to talk coverage? Michael can review your current plan, answer questions, and help you compare Medicare, ACA, life, or ancillary options at no cost to you.

Call 845-549-0266 Send an email Start the Retirement Needs Assessment →

Complimentary review

Retirement Needs Assessment

Share a few details and Michael will review your retirement income, current coverage, and the gaps worth filling — at no cost to you.

Full name

Date of birth / age

Phone

ZIP code

Spouse / partner (optional)

What brings you in?

Turning 65 / Medicare eligibilityRetiring or losing employer coverageReview my current coverageReduce premiums or out-of-pocket costsNew doctor, medication, or health needProtect family income / legacy planning

Retirement income

Retirement date (or retired)

Social Security status

Estimated monthly retirement income

Emergency savings range

Income sources

Social SecurityPension401(k) / IRA withdrawalsAnnuity incomePart-time workRental or investment income

Insurance coverage

Coverage you have today

Original MedicareMedicare AdvantageMedicare SupplementPart D prescription planEmployer / retiree planDental / visionLife insuranceNone right now

Additional products you'd like to explore

DentalVisionHearingHospital indemnityCancer / critical illnessAccident coverageShort-term recovery careLong-term careFinal expense / life insuranceAnnuities

Monthly insurance budget

Doctors, hospitals, or prescriptions to keep

What matters most?

Lower premiumLower out-of-pocket costsBroader provider accessAdded benefits

Explore

Coverage
Medicare 2026
Client Stories
Our Team
Contact

Talk to us

(504) 370-1703
agency@bayoubenefits.com
Mon–Fri · 8a–6p CT

We do not offer every plan available in your area. Currently we represent multiple organizations offering many plans. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program for information on all options. Not affiliated with the U.S. government or the federal Medicare program.