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' happen! You can however avoid a "big financial hit", if it does, by buying medical insurance! Owning gives you peace of mind knowing your income and savings won't be used up paying the really big treatment invoices that show up in the mail!

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

Are you in New London County? Lets meet to simplify confusing "insurance words". Open enrollment for Individual medical plans continues until January 31, 2016. A discussion today with a health insurance professional, at no cost, means you can gain an understanding of:

  • How the federal premium support works in plans from Access Health CT. It's available to those who qualify and lowers your monthly cost. Note: The income qualifications for the monthly tax credit are complex.
  • How plans direct from different health insurance companies work. Most have a somewhat broader list of MDs and other treatment providers.

We can select a medical insurance plan, which works in Eastern CT and meets your budget. Taking action to enroll means you gain:

  • Certainty knowing the plan will pay any treatment expenses, other than your share.
  • "Peace of mind" knowing you have a choice of many medical professionals 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!

  • Options, the complexities in today's plans, 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!

Medicare's annual enrollment runs until December 7th. 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 change plans.    

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 what could be big, medical expenses if an unexpected situation happens when out side the U.S. One Option is 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