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?


Expecting to have a medical procedure? Most plans today have a deductible so it is important to look in advance at treatment costs, which can vary considerably even within your local area. You can get an idea by entering your zip code here.  Then select the medical category for your type of situation.

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


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 on making treatment decisions.

No one can say an accident or significant illness won't happen! You can however avoid a "big financial hit" if it does by buying medical insurance! Owning gives you peace of mind knowing you won't be faced with paying really big treatment invoices!

Individuals: The coverage descriptions you find today are often confusing. People report they can't tell how the plan works and what doctors they can see. The result - they don't buy!

Are you in New London County? Lets meet to simplify the confusing "insurance words". You can't sign up today, with some exceptions, since open enrollment for Individual medical plan does not start until Nov. 1st. However, by talking with a health insurance professional today you will gain an understanding of:

  • Plans from Access Health CT, which offer federal premium support to those who qualify. This lowers your monthly cost. Note: The income qualifications for the monthly tax credit are complex.
  • Plans direct from different health insurance companies. Most have a somewhat broader list of MDs and other treatment providers.

When eligible to enroll we can meet to select a medical insurance plan in Eastern CT, which meets your budget. Enrolling means you gain:

  • Certainty knowing all but your share of treatment expenses will be paid.
  • "Peace of mind" knowing many medical professionals can be accessed when needed.

Small employers in New London County & Eastern CT: Lets have a conversation today to discuss your interest, your budget, how employees currently receive medical benefits, and:

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

  • The many group plan choices, their complexities, and provider networks.
  • The value employees can gain by getting involved with their health. Moving away from going to the "medical treatment store" for every concern is important.

Want to begin by sending a note vs meeting. Certainly, send questions to -

Individuals in New London County - Eligible for MediCARE!

When enrolled you will be responsible for 20% of the amount MediCARE allows for your outpatient services such as an MD office visit and tests. BTW - there is no limit on your 20% cost sharing as in employer plans!

Lets have a conversation today to:

  • Talk about the A, B, C, and D parts of MediCARE; the two types of plans to pay part or all of your 20% share of treatment expenses; and when you are eligible to enroll or change plans.     FYI - enrollment for a plan to be effective January 1, 2016 begins October 15th.

Want to send a note with some MediCARE questions? Certainly send them to -

Traveling out of the US? - When on a business trip or vacation and you cross a US border you have limited, if any, coverage through your employer, individual medical, or MediCARE plan.

What to do? Buy a special medical insurance plan to cover unexpected, but what could be big, medical expenses when out side the U.S. One Option works for individuals who have U.S. based medical insurance. Plan cost is relatively low and you can review benefits and enroll on line.
       Note: Traveling today, especially outside the US, can result in interrupted or even cancelled travel plans; baggage can be lost; or a medical emergency develops. Thus, planning ahead and buying a trip protection plan. They are highly 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, look at eligibility info. and enroll. Take a look.

Professional Background - Clients gain from John's understanding of the CT marketplace; certification in federal health reform's legislative and regulatory issues; active involvement in professional associations; commitment to advanced on going education; and participation in two or three national conferences each year. This special knowledge is a resource not available from other New London County health insurance professionals.

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: A resource for individuals and employers in Connecticut on the value of owning Medical, Medicare plans, or Long Term Care insurance in CT. John developed the content 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 2015 John C Parker and All Rights Reserved