medical & long term care insurance
Effective Medical Benefit Cost Containment
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Employers and individuals in CT:

  • Looking for answers on federal health care reform provisions?
  • Need a better understanding of MediCARE?


Medical treatment costs can vary considerably in your local area. Have a medical procedure coming up? You can find general info. on treatment costs by entering your zipcode here  Then select the medical category.

     Note: The number of provider costs may be limited but you can ask other providers about the amount shown. 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, which could easily result in a "big financial hit" if they do not own medical insurance!

Individuals: Health reform limits enrollment in an Individual plan to an annual period. Then too, when people look on line for information on today's plan they are often confused about the plans and doctor networks and thus put off a decision or don't take any action. Lets have a conversation today to eliminate the confusing "insurance words" and help you understand:

  • Plans through Access Health CT, with federal level premium support, to help cover your monthly cost. Note: Today's medical plans and the income qualifications to receive a monthly tax credit are complex.
  • Plans direct from a health insurance company with a somewhat broader list of MDs and other providers.

When eligible we can meet again so you can understand the Access Health CT questions and implement the plan you are interested in. Owning a medical insurance in CT plan means you gain:

  • Certainty, that treatment expenses from a significant situation will be mostly paid by your plan.
  • "Peace of mind" knowing your plan allows you to access medical professionals.

Small employers: Lets have a conversation on your thoughts/plans and budget for a medical benefit program and thoughts about employee contributions. We can sort through:

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

  • The many group plan choices and their complexities.
  • How health reform requirements changed medical insurance plans in CT and their provider networks.
  • The value employees gain when emphasis is on taking responsibility and get involved with their health. Education to help them move 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 - Eligible for MediCARE? When enrolled you are responsible for 20% of MediCARE's allowed amount for all MD office and outpatient services. There is no limit on your 20% cost sharing as in employer plans!

What to do? Lets have a conversation on:

  • How the four parts of MediCARE work; the differences in the two types of Medicare Health plans, which pay the part of your treatment expenses MediCARE doesn't cover; your thoughts and interests; and when you can enroll.

Call today so we can have a conversation on MediCARE. You can also send questions to -

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

What to do? Buy one of the special HTH Worldwide medical insurance options highlighted on the Parker Agency page on the HTH site. You can learn how these special benefits cover what could be big expenses and their relatively low cost. You can enroll on line.
       Note: When outside the US your travel plans could get cancelled or interrupted; baggage can be lost; or a medical emergency develops. Thus, planning ahead and buying an economical trip protection plan is 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 from John's certification in federal health reform's legislative and regulatory issues. His understanding of the CT marketplace; commitment to advanced on going education; active involvement in professional associations; and participation in two or three national conferences each year provides unique value. This special knowledge is a resource not available from other area 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 to help them understand the value of owning Medical, Medicare Health plans or Long Term Care insurance in CT. John developed the content on these page and makes regular updates.

This Blog - Health Related Insurance in CT - includes periodic updates on federal health reform and issues related to medical insurance in Connecticut.



© 1997 to 2015 John C Parker and All Rights Reserved