medical & long term care insurance
Effective Medical Benefit Cost Containment
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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 could face a "big financial hit" if an accident or significant illness happens! You can avoid this “hit” by taking action to buy health insurance. Doing this means you gain values such as:

  • Certainty, that most treatment expenses from any "what if" will be paid. There will be many!
  • Access to medical professionals and the "peace of mind" that your insurance will pay most of their treatment invoices.

Will something significant happen? No one can say it won't!

Small employers and individuals: Lets meet for a conversation to share insights and sort through:

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

  • The complexities in Health, Medicare, or Long Term Care insurance coverage.
  • The many choices, which often cause people to put off a decision or not take any action.
  • Health reform requirements and how it changed plans and provider networks in CT.
  • The value employees can gain by getting involved and taking responsibility for their health. It is important to move away from going to the "medical treatment store" for every concern.

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

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

What to do? Call today to talk about:

  • How the four parts of MediCARE work; when you can enroll; and the differences in the two types of Medicare Health plans, which are available to pay the part of treatment expenses MediCARE doesn't cover.

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, employer, individual medical, and MediCARE plans have limited, if any, coverage.

What to do? Buy one of the special medical insurance options highlighted on the Parker Agency page on HTH Worldwide's site. You can learn how these special benefits cover what could be big expenses and their relatively low cost. You can enroll on line.
       Note: When planning to travel outside the US your plans could get cancelled or interrupted; baggage can be lost; or a medical emergency develops. Thus, an economical trip protection plan is recommended.

International citizens coming to the U.S. - for a visit or immigrating, also need coverage for any necessary medical treatment. You can enter personal information, find the cost, and enroll. Take a look.

Professional Background - Clients gain from John's certification in federal health reform's legislative and regulatory issues. They also gain value from his understanding of the CT marketplace; commitment to advanced on going education; active involvement in professional associations; and participation in two or three national conferences each year. This special knowledge is a resource, which 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: A resource for individuals and employers in Connecticut on the value of owning health related insurance protection. John developed the content on these page and makes regular updates.

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


© 1997 to 2015 John C Parker and All Rights Reserved