A Big Welcome from John C Parker a professional health related insurance advisor in Niantic Conn. John is a Registered Health Underwriter, a Long Term Care Professional, and adheres to a high standard of professional conduct. He works with clients as an independent broker and his firm, the Parker Agency, is a member of the AmeriBen Alliance.

What do we do?

• Help small employers and individuals simplify and select an effective Medical and Long Term Care insurance plan, which meets their budget. Thus, the significant financial consequences of an unexpected "Life Happens" medical situation are avoided.
• Bring extensive human resource experience; involvement in professional associations; participating in national conferences; and knowledge of state and federal legislative and regulatory issues to all discussions of medical related insurance and recommendations.

Note: These insights are not available from other area health related insurance advisors thus clients gain.

John's, medical insurance in Connecticut, practice is focused primarily in the Eastern part of Connecticut and he works to help:

Employers:

• Develop an effective solution to today's expensive medical insurance by implementing a Health Savings Account. (HSA) Why? HSA's change the way individuals are involved in medical treatment and pay routine expenses; include, in some plans, extensive no cost, to the individual. preventive care; and encourage participants to take responsibility for their health.
  Note: Employee education is a big part of implementing a HSA.
• Begin the steps to implement a Wellness programs.
• Improve the productivity of the ever growing number (49%) of employees faced with elder care by implementing a Long Term Care insurance benefit.
  Note: Tax regulations allow this benefit to be set up for executives only.

Want to learn more or have questions about implementing an effective health related insurance benefit plan? Call (860) 662-3000 or send a note to

Individuals & Micro Employers (2, 3 or 4 employees).
Quickly review coverage options and cost for individual medical insurance from different companies through an on line partner eHealthInsurance. Select either the Individual and Family or Small Business link to review plan highlights. You can apply online if you find coverage, which meets your interest and budget.

Individuals eligible for Medicare since it does not fully pay all treatment expenses.
For example, individuals pay 20% of the cost of all MD and other outpatient expenses and there is no limit on this cost sharing! What to do? Two effective options are available to protect yourself from this big risk on this page:

• A traditional Medicare Supplement together with a Prescription Drug Plan.
• A more economical network based Medicare Advantage plan.

Want to talk about the value to you of Individual, Micro Employer, or Medicare health plan coverage or have other questions on how this protection works call (860) 662-3000 or send a note to

Individuals traveling out of the country:
Special medical insurance is needed when going on a short or extended trip out of the country. Why? Employer, individual medical, and Medicare plans have limited, if any, coverage outside the U.S. Take a look at the coverage and cost of these International Medical plans.
Note: In addition, to buying international medical coverage there are many advantages to buying trip protection when traveling for business or vacation.

Individuals coming to the U.S.:
International citizens, visiting or immigrating also need coverage, Take a look at coverage and cost.

The Parker Agency Blog - Health Related Insurance in CT - includes periodic posts on medical insurance related issues in Connecticut.