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, if not all, medical treatments in most plans today are applied to a deductible. Thus, it is important, if a medical procedure is planned, to look into what the treatment will cost. Costs can vary from one provider to another even within your local area. You  an get an idea of the cost by entering your zipcode here. Then select the category for you type of medical situation.

     Note: The number of providers, which are listed, may be limited but you use the amount you found and 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.

A "big financial hit" can be avoided, following an accident or significant illness, if you have medical insurance! Owning means you have peace of mind knowing your income and savings won't be used up paying the really big treatment invoices, which show up in the mail!

Individuals: People report what they find about Individual medical insurance is often confusing. They can't tell how the plan works or what doctors they can see thus don't buy!

You can't enroll now since open enrollment for Individual medical plans ended January 31, 2016. However, if certain life changes have happened such as losing employer coverage or getting married a Special Enrollment Period may be available


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

  • How your monthly cost may be lower with an Access Health CT plan. The premium support program, for those who qualify, pays the medical insurance company you selected each month. It's a tax credit for you and eligibility is based on a complex income qualification system.
  • How plans direct from a health insurance company work. Most have a somewhat broader list of MDs and other treatment providers.

Small employers in New London County & Eastern CT: Lets have a conversation about your interest and thoughts about an employee plan, Call today to set a time to talk. We can also discuss:

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

  • The complexities in today's plans, provider networks, and your budget.
  • The value employees can gain by getting more involved with their health. Moving away from going to the "medical treatment store" for every concern is important for them and your productivity.

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

Soon be Eligible for MediCARE!

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

If you live in New London County and will soon be 65 lets meet for a conversation to:

  • Talk about MediCARE's A, B, C, and D parts and the two types of plans, which pay part or all of your 20% share of treatment expenses.    

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

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

What to do? Buy a special, relatively low cost, medical insurance plan to cover, what could be big medical expenses if an unexpected situation or accident happens. Individuals who have U.S. based medical insurance can review benefits and enroll on line.
       Note: Traveling today, especially outside the US, can result in interrupted or even cancelled travel plans. Then too, baggage can be lost. Thus, in additional to special medical coverage buying a trip protection plan for the "what if" is highly recommended.

International citizens coming to the U.S. - for a visit or immigrating, also need coverage for any necessary medical treatment. Take a look at the eligibility info and the cost. Just enter some personal information.

Professional Background - Clients gain from John's certification in federal health reform's legislative and regulatory issues; understanding of the CT marketplace; 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 2016 John C Parker and All Rights Reserved