Senior Health and Retirement Services
Senior Health and Retirement Services (SHARS) is a Connecticut-based, privately held insurance agency that provides Medicare advisory, retirement planning, and supplemental insurance services to seniors and pre-Medicare households through roughly two dozen licensed agents across offices in Madison and Colchester.
- Company typePrivate
- Founded2005
- HeadquartersMadison, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Senior Health and Retirement Services does
Senior Health and Retirement Services (SHARS) is an independent, privately held insurance agency founded in 2005 by Kristin Pitarra in Madison, Connecticut, that provides Medicare guidance and retirement planning services primarily to Medicare-eligible seniors in Connecticut, with secondary support for HR professionals and under-65 residents navigating the AccessHealth CT marketplace. The firm is co-led by Kristin Pitarra and John Pitarra and operates from two Connecticut offices (Madison as headquarters and Colchester as a second location), with a team of roughly two dozen licensed insurance agents and specialists.
SHARS does not build or sell proprietary technology; its operating model is a traditional, relationship-driven advisory practice delivered through licensed agents across in-person, in-home, phone, and Zoom channels, with annual retirement reviews timed to Medicare open enrollment. The firm represents eight insurance organizations offering approximately forty products across Medicare Advantage, Medicare Supplement (Medigap), Part D prescription drug plans, Group Medicare Savings Accounts, dental/vision/hearing coverage, life insurance, and AccessHealth CT marketplace plans. Carrier partners include Anthem Blue Cross, Aetna, UnitedHealthcare, WellCare, Humana, AIG, Mutual of Omaha, Allianz, MetLife, and several other national and regional carriers.
Revenue is generated almost entirely through carrier commissions on the insurance products sold and serviced, with no direct consumer fees; the firm's top-of-funnel motion combines community seminars, educational content, social media, and event sponsorships to feed a referral- and relationship-driven sales funnel. SHARS has no disclosed funding, no parent company, and no announced M&A activity, and it operates exclusively in Connecticut with a small, founder-controlled organization of 11-50 employees.
Senior Health and Retirement Services firmographics
Firmographics- Name
- Senior Health and Retirement Services
- Legal name
- Senior Health and Retirement Services
- Website
- https://srhealthandretirement.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Senior Health and Retirement Services (SHARS) is a Connecticut-based, privately held insurance agency that provides Medicare advisory, retirement planning, and supplemental insurance services to seniors and pre-Medicare households through roughly two dozen licensed agents across offices in Madison and Colchester.
- Ownership category
- akta.pro rank
Senior Health and Retirement Services industry classification
Industry- Product category
- Medicare Insurance Brokerage
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro industry
- Benefits, Insurance & Entitlement Navigation (Medicare/Medicaid/VA/LTC)Home & Personal Services/Elder Care & In-Home Care Services/Care Coordination & Geriatric Care Management
Keywords
Where Senior Health and Retirement Services is headquartered
LocationHeadquarters
- HQ city
- Madison
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Senior Health and Retirement Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Revenue model
- Insurance Commissions: The agency earns commissions from insurance carriers for Medicare Advantage plans, Medicare Supplement (Medigap) products, Part D prescription drug plans, dental/vision/hearing products, and life insurance products they sell and service for clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Medicare products with no upfront cost to consumers |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Senior Health and Retirement Services product offering
Product offeringCore offering
Senior Health and Retirement Services is an independent Medicare advisory and insurance agency that helps Connecticut seniors compare, select, and enroll in Medicare-related health insurance products, including Medicare Supplement plans, Medicare Advantage Plans, Medicare Part D prescription drug plans, and ancillary coverages such as dental and life insurance. The firm also provides AccessHealthCT navigation for state health insurance marketplace enrollment and arranges group Medicare savings accounts for small employer clients.
Product overview
Senior Health and Retirement Services is a full-service Medicare advisory agency offering a coordinated portfolio of insurance and retirement planning solutions. The core offerings include Medicare Supplements, Advantage Plans, and Part D Drug Plans, supplemented by Group Medicare Savings Accounts, AccessHealthCT marketplace navigation, and Permanent/Term Life Insurance. The agency also provides educational tools including a Video Library and Scope of Appointment forms for compliance. All services are delivered through in-person, at-home, phone, or Zoom consultations with annual retirement reviews during open enrollment periods.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Supplement Insurance
- Medicare Advantage Plans
- Medicare Part D Prescription Drug Plans
- AccessHealthCT Marketplace Navigation
- Group Medicare Savings Accounts
- Dental Insurance
- Life Insurance
Quantifiable outcome
- Thousands of seniors educated through seminars and community events
Companies that use Senior Health and Retirement Services
Customer profileSegments4 records
Ideal customer profiles2 records
Senior Health and Retirement Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Senior Health and Retirement Services partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and secondary.
- Anthem Blue CrosscoreInsurance carrier partner representing Medicare Advantage, Supplement, and Part D prescription drug plans. SHARS sells and services Anthem products to Medicare-eligible clients.
- AetnacoreInsurance carrier partner offering Medicare products. SHARS represents Aetna Medicare plans and receives commissions for enrollments and ongoing client servicing.
- United HealthcarecoreMajor Medicare carrier partner providing Advantage, Supplement, and Part D plans. SHARS represents United Healthcare products to Connecticut Medicare beneficiaries.
- WellCarecoreMedicare-focused carrier partner offering Advantage and Part D plans. SHARS sells WellCare products as part of their Medicare portfolio.
- HumanacoreInsurance carrier partner for Medicare products including Advantage plans and prescription drug coverage. SHARS represents Humana in Connecticut.
- AIGsecondaryInsurance carrier partner providing supplemental health and life insurance products for Medicare beneficiaries.
- CarePartnerssecondaryInsurance carrier partner offering Medicare-related products and services through SHARS distribution.
- ReliancesecondaryInsurance carrier partner providing supplemental health insurance products for Medicare-eligible individuals.
- Lafayette Life InsurancesecondaryLife insurance carrier partner offering permanent and term life insurance products for retirees and Medicare beneficiaries.
- Midland Life InsurancesecondaryLife insurance carrier partner providing coverage options for Medicare-eligible individuals and retirees.
- AllianzsecondaryInsurance carrier partner offering Medicare supplement and supplemental health products.
- GTL (Guaranteed Trust Life)secondaryInsurance carrier partner providing supplemental health products for Medicare beneficiaries.
- Mutual of OmahasecondaryMedicare supplement and life insurance carrier partner with long-standing market presence. SHARS represents Mutual of Omaha products.
- CCIsecondaryInsurance carrier partner offering Medicare-related coverage options through SHARS.
- FenyxsecondaryInsurance carrier partner providing supplemental health insurance products for Medicare beneficiaries.
- Delta DentalsecondaryDental insurance carrier partner offering coverage options for seniors. SHARS helps clients explore Delta Dental options for their dental coverage needs.
- Physicians MutualsecondaryDental insurance carrier partner providing coverage for preventive and comprehensive dental care for seniors.
- AmeritassecondaryDental and vision insurance carrier partner offering coverage options for Medicare beneficiaries.
- MetLifesecondaryDental insurance carrier partner providing dental coverage options for seniors through SHARS distribution.
- AccessHealth CTcoreConnecticut's official health insurance marketplace established as part of the Affordable Care Act. SHARS provides expert guidance in navigating AccessHealth CT for Connecticut residents under 65 who are not Medicare-eligible, helping them access healthcare plans and financial assistance.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Senior Health and Retirement Services competitors and assessment
Company assessmentDirect peers
- Senior Market Sales: Independent Medicare insurance marketing organization and agency representing multiple senior-focused carriers. Directly comparable as a multi-carrier Medicare distribution agency serving seniors, with similar agent-led distribution model.
- 65 Incorporated: Independent Medicare advisory firm offering unbiased plan selection guidance and ongoing support for Medicare beneficiaries. Highly comparable in target customer and advisory-led service model, though operates on a fee-for-service basis rather than commission-based.
- HealthPlanOne: Independent health and Medicare insurance broker selling Medicare Advantage, Supplement, and Part D plans from multiple carriers. Closely comparable in product category and multi-carrier agency model, with a hybrid online/agent distribution approach.
- eHealth: Public online health insurance marketplace that sells Medicare plans from multiple carriers. Competes in the same Medicare distribution category as SHARS, but with a predominantly digital self-service model rather than relationship-driven agent model.
- MedicareInsurance.com: Online Medicare insurance broker that compares and distributes Medicare plans from multiple carriers. Directly competes in the same product category, focused on Medicare Advantage/Supplement/Part D distribution, with an online-led model.
- Boomer Benefits: Independent Medicare-focused insurance agency specializing in Medigap, Medicare Advantage, and Part D plans for baby boomers. Closely comparable in product focus, target customer (Medicare-eligible seniors), and multi-carrier agency model, though serving a different geography (Texas-based).
- GoHealth: Public Medicare-focused health insurance broker leveraging a technology-enabled agent platform. Directly comparable product offering (Medicare Advantage/Supplement) and carrier relationships, scaled nationally versus SHARS' regional Connecticut focus.
- SelectQuote: Public, large-scale independent Medicare-focused insurance broker that sells Medicare Advantage, Supplement, and Part D plans from multiple carriers. Directly comparable business model to SHARS, but operating nationally via direct-to-consumer and agent channels.
Emerging players
- Allsup: Provider of Medicare and Social Security Disability Insurance services including plan selection and enrollment assistance for seniors and disabled individuals. Comparable in serving Medicare-eligible customers with advisory support, but with a broader benefits administration focus.
Broad incumbents
- Humana (AARP Medicare): Major Medicare Advantage carrier with a large captive agent and co-branded AARP channel that competes for the same Medicare-eligible customers SHARS serves. Competes both as a carrier partner and a direct distribution alternative to independent agencies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Senior Health and Retirement Services social profiles
Digital presenceSenior Health and Retirement Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Senior Health and Retirement Services leadership team
Management profileNumber of profiles
Profiles3 records
Senior Health and Retirement Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Senior Health and Retirement Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Senior Health and Retirement Services
What does Senior Health and Retirement Services do?
Senior Health and Retirement Services is an independent Medicare advisory and insurance agency that helps Connecticut seniors compare, select, and enroll in Medicare-related health insurance products, including Medicare Supplement plans, Medicare Advantage Plans, Medicare Part D prescription drug plans, and ancillary coverages such as dental and life insurance. The firm also provides AccessHealthCT navigation for state health insurance marketplace enrollment and arranges group Medicare savings accounts for small employer clients.
Is Senior Health and Retirement Services a public or private company?
Senior Health and Retirement Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Senior Health and Retirement Services founded?
Senior Health and Retirement Services was founded in 2005. It employs 11 to 50 people.
Where is Senior Health and Retirement Services based?
Senior Health and Retirement Services is headquartered in Madison, United States, in the North America region.
How does Senior Health and Retirement Services make money?
One revenue line is on record: insurance Commissions.
Who are Senior Health and Retirement Services's main competitors?
Direct peers on record are Senior Market Sales, 65 Incorporated, HealthPlanOne, eHealth, MedicareInsurance.com, Boomer Benefits, GoHealth and SelectQuote. Allsup is listed as an emerging player. Humana (AARP Medicare) is listed as a broad incumbent.
Does Senior Health and Retirement Services have an API?
No public API is recorded for Senior Health and Retirement Services.
What industry is Senior Health and Retirement Services in?
Senior Health and Retirement Services's product category is Medicare Insurance Brokerage. Its primary akta.pro industry code is HSABAIAG, Benefits, Insurance & Entitlement Navigation (Medicare/Medicaid/VA/LTC). Its NAICS code is 524292 and its SIC code is 6411.