A Big Welcome from John C Parker, RHU, LTCP a professional health insurance advisor and broker in Niantic Conn. John's firm, the Parker Agency, is a member of the AmeriBen Alliance and adheres to a high standard of professional conduct.

What do we do?
▪ Serve as an advisor and broker to implement effective medical and Long Term Care insurance options for employers and individuals. The result - clients avoid the consequences of an unexpected and very expensive "Life Happens" medical treatment situation.
▪ Knowledge of and involvement in legislative and regulatory issues; extensive involvement in professional associations; and insights from national conferences enhance recommendations.

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

Employers:
▪ implement a Health Savings Account. (HSA) Why? This approach is a very effective solution to today's expensive medical insurance. HSAs change the way individuals pay routine medical expenses; include extensive no cost preventive care in some plans; and encourage participants to take responsibility for their health.
Note: A big part of implementing a HSA is employee education.
▪ begin the steps to implement a Wellness programs.
▪ implement a Long Term Care insurance benefit, which will improve the productivity of the ever growing number (49%) of employees faced with elder care.
Note: It can be set up as a unique executive only benefit.

Want to implement an effective medical benefit plan? Send a note to

Individuals & Micro Employers (2, 3 or 4 employees).
Coverage options from different companies (there are many) and their cost can quickly be reviewed through an on line partner eHealthInsurance. Select Individual and Family or Small Business to review options. You may find an effective plan and if so you can apply online for coverage.

Find coverage for what Medicare does not pay.
For example, there is 20% cost sharing, with no limit, on all MD and other outpatient treatment expenses. What to do? A couple options, to protect yourself from this big risk, would be a traditional Medicare Supplement together with a Prescription Drug Plan or a more economical network based Medicare Advantage plan. More details .

You have done some looking into coverage for an Individual, a Micro Employer, or when on Medicare and now want to talk about how a plan works, the make up of it's network of MDs, or other questions send a note to

Individuals traveling out of the country:
Employer, individual medical, and Medicare plans have limited, if any, coverage outside the U.S. thus special medical protection is needed. Do you have a short or extended trip out of the country in your plans? Take a look at these International Medical plans. Trip protection is also available .

Individuals coming to the U.S.:
International citizens, whether visiting or immigrating also need coverage.

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