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Employers and individuals in CT:

  • Looking for answers on what federal health care reform will mean to you?
  • Need a better understanding of Medicare?


Contact today


  • eMail your questions to .


Medical insurance costs and treatment resources

Learn more about why medical insurance is expensive on this page. It also includes some resources to review on making treatment decisions.

Your income and hard earned savings can be impacted in a big way by many treatment expenses, following an accident or significant illness, when you do not have insurance. These big bills also directly affect your lifestyle. Will it happen? No one knows nor can anyone say it won't!

What to do? Buy medical insurance. Doing this means you:

  • Gain certainty and "peace of mind" in case there is a "what if'".
  • Can access medical professionals knowing most of their treatment services will be paid.
  • Have an economical way to pay any medical expenses! Thus,you won't have to live with uncertainty on where will the money come from?

Small employers and individuals: Need help understanding what health reform requirements means? Contact John C Parker today for a face to face discussion on:

Call my Google Voice line (860) 451-9793 to schedule a free consultation!

  • The details of Health, Medicare, and Long Term Care insurance. Thus, you won't be over whelmed with complex choices, which often causes people to put off a decision or not take any action.
  • How the health reform has affected plans and provider networks in CT.
  • The importance of encouraging employees to take responsibility for their health and move away from regular visits to the "medical treatment store".

Want to send a note vs call. Certainly, send questions to -

Individuals - Eligible for MediCARE? You become responsible for 20% of Medicare's allowed amount for all MD office and outpatient services when you enroll. There is no limit on your 20% cost sharing  as in employer plans!

What to do? Call today to talk about enrollment periods and:

  • How the four parts of MediCARE work; the value you gain by buying special health insurance; and the differences in the two types of Medicare Health plans.

Want to send a note vs call. Certainly, send questions on MediCARE to -

Individuals - Traveling out of the US? - When you cross a US border, whether on a business trip or vacation, special medical insurance is needed. Why? Employer, individual medical, and MediCARE plans have limited, if any, coverage out of the U.S.

What to do? Buy one of the special medical coverage options highlighted on the Parker Agency page on HTH Worldwide's site. You can learn about the benefits, the cost, and then enroll on line.
       Note: Things can happen when outside the US! Your travel plans get interrupted; baggage is lost; or a medical emergency develops. Thus, a trip protection plan is recommended and it's economical.

International citizens coming to the U.S. - for a visit or immigrating, also need coverage. Take a look at coverage, the cost, and enroll.

Professional Background - Clients gain from a special understanding of plus the NAHU certification in federal health reform legislative and regulatory issues. John believes a commitment to advanced and on going education; active involvement in professional associations; and participation in two or three national conferences each year enhances professionalism and adds value for clients. This plus previous experience in human resources is not available from other area health insurance professionals.

John adheres to a high standard of professional conduct and his firm the Parker Agency in Niantic CT, is a member of the AmeriBen Alliance.

Focus of this site: Help individuals and employers in Connecticut better understand the value gained by owning health related insurance protection. John developed the content on these pages and regularly updates them.

This Parker Agency Blog - Health Related Insurance in CT - includes periodic updates on federal health reform and issues related to medical insurance in Connecticut.


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