medical & long term care insurance
Effective Medical Benefit Cost Containment
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Employers and individuals in New London County & Eastern Conn:

  • Looking for answers or information about medical insurance plans?
  • Need a better understanding of MediCARE?
  • eMail your questions to .

Working to understand the cost of medical treatment is very important!

The cost of many medical treatments is applied to the plans deductible today. Thus, it is important to look into what the treatment will cost when a medical procedure is planned. You will find costs can vary from one provider to another even within your local area. Want to see? Enter your zip code here. Then select the category for your type of medical situation.

     Note: The number of providers, on the list, may be limited but you can ask other providers. For example: I found the cost was $____ . I have a HSA and would like to know what your cost will be?



Medical insurance costs and treatment resources

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

You gain peace of mind when you own health related insurance. How? You know there won't be a "big hit" to your income and savings if an accident or significant illness happens. When you have medical insurance you also avoid all the really big treatment invoices, which would show up in the mail!

Individuals: You can't enroll in an Individual medical plan today because the annual open enrollment ended January 31, 2016. However, if a life change, such as losing employer coverage or getting married, happens this opens a Special Enrollment Period.

Are you in New London County? Let's meet for a no cost discussion, even if you can't enroll, to simplify the confusing "insurance words", help you understand Connecticut's individual medical plans, and find one that is right plan for you:

  • You may qualify for lower monthly cost coverage through Access Health CT. Your cost would be lowered with a special kind of tax credit, which is paid each month to the medical insurance company you select.                              BTW - Eligibility is based on a complex income qualification system.
  • A somewhat broader list of plans is available direct from a health insurance company and they often have more MDs and other treatment providers.

Small employers in New London County & Eastern CT: Call today if any questions about your employee medical plan or on setting one up. We can discuss:

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

  • The complexities in today's plans.
  • The kind of medical benefit plan, which would be right for your firm based on the budget you planned.
  • The value employees gain by getting more involved and working on better health. It is important for them to move away from going to the "medical treatment store" for every concern. Better health means their productivity will go up.

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

Soon be Eligible for MediCARE!

If you live in New London County lets meet for a conversation to:

  • Simplify MediCARE's A, B, C, and D parts and the two types of plans, which can pay part or all of your 20% share of Part B treatment expenses.             BTW - there is no limit on your 20% cost sharing as in employer plans!

Call or send a Text to my Google Voice # today - (860) 451-9793 to set up a time to meet. You can also send a note to -

Traveling out of the US? - When you cross a US border on a business trip or vacation your employer, individual medical or MediCARE plan provides limited, if any, coverage if an unexpected situation or accident happens.

What to do? Buy an international medical insurance plan. The cost is low if you have U.S. based medical insurance but your medical expenses could be big. You can review benefits and enroll on line.
       Note: Traveling today can result in interrupted or even cancelled travel plans. Then too, baggage can be lost. Thus, in additional to needing special medical coverage buying a trip protection plan for all the "what if's" is highly recommended.

International citizens: If you are coming to the U.S. for a visit or immigrating, insurance for any medical treatment is needed. Take a look here at the eligibility info, the coverage, and the cost. Just enter some personal information when you find the right plan.

Professional Background - A certification in federal health reform; understanding of the CT marketplace; active involvement in professional associations; commitment to on going advanced education; and participation in two or three national conferences each year provides insights not available from other New London County health insurance professionals.

Our discussions on health related insurance will focus on eliminating the complexities, increasing understanding of what you gain, and finding the right plan. John adheres to a high standard of professional conduct and his Niantic CT based firm the Parker Agency is a member of the AmeriBen Alliance.

Focus of this site: Highlight the value of owning Medical, Medicare, or Long Term Care insurance in CT. John developed the content on these pages and regularly makes updates.

The Parker Agency Blog - Health Related Insurance In Connecticut- includes periodic updates on issues related to medical insurance in Connecticut.



© 1997 to 2016 John C Parker and All Rights Reserved