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?


Many people are enrolled in Health Savings Accounts today so it is important to look into the cost of treatment if a medical procedure is planned. Why? The cost for the same treatment can vary considerably in your local area. General info. on treatment costs can be found by entering your zip code here  Then select the medical category.

     Note: The number of providers which show 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 to review on making treatment decisions.

No one can say they won't have an accident or significant illness! If it does happen you can avoid a"big financial hit" by owning medical insurance! Paying monthly is more economical than having a lot of expensive treatment invoice to pay!

Individuals: Descriptions about today's plans, whether on line or on paper, are often confusing. People report they are not sure how the plan works and what doctors they can see. The result - they don't buy!

Are you in New London County? Open enrollment for Individual medical insurance starts Nov. 1st so you can't, with some exceptions, sign up today. However, we can still have a conversation to simplify the confusing "insurance words". You will gain understanding and insights from a health insurance professional, who works with all the effective plans. We will talk about:

  • The difference in plans from Access Health CT with federal premium support for those who qualify. Note: The income qualifications for the monthly tax credit, which lowers your monthly cost 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 then meet to select a medical insurance plan in Eastern CT to meet your budget. When you enroll you gain:

  • Certainty your plan will pay most of your treatment expenses.
  • "Peace of mind" knowing you will have access to many medical professionals when needed.

Small employers in New London County & Eastern CT: Lets have a conversation today to review your current medical benefit plan and sort through your interests. We can discuss your budget, your thoughts on how much employees will contribute, and:

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

  • The many group plan choices, their provider networks, and their complexities.
  • 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 send 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 allowed amount MediCARE has set for the MD office and outpatient services you receive. BTW - there is no limit on MediCARE's 20% cost sharing as in employer plans!

Lets have a conversation today on:

  • How the four parts of MediCARE work; the two types of plans which pay part or all of your share of treatment expenses; your thoughts and interests; and when you are eligible to enroll or change plans.   FYI - enrollment for a plan effective January 2016 begins October 15th.

You can also call today to have a conversation on MediCARE or send questions to -

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

What to do? Buy one of the special medical insurance options highlighted on the Parker Agency page on the HTH Worldwide site. These special benefits cover unexpected but what could be big expenses. 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 an economical trip protection plan is 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, and enroll. Take a look.

Professional Background - Clients gain value 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 firm the Parker Agency in Niantic CT, 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 on these page 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