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47 Laurel Hill Drive
Niantic, CT
06357-1536
Remote office: 860.739.4589 x 314
Fax:
860.739.3427
Best contact by cell: 860.662.3000
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Founded in January 1985 as John Parker & Associates John's firm has been
known in recent years as the Parker Agency. John works
with other health insurance professionals in the AmeriBen Alliance and
focuses on implementing consumer focused medical benefits
primarily to smaller employers and individuals such as Health
Savings Accounts.
Extensive knowledge and skills gained in human resources,
benefit management, and employee and labor relations with three
manufacturing businesses and a preventive labor relations consulting
firm.
Knowledge of benefit trends and emerging products is enhanced through
participation in national level conferences (3 in 2009) and active
membership in:
- Master of Science in Personnel
Administration, George Washington University, Wash. D.C.
- Bachelors, Business Administration, Thiel
College, Greenville, PA.
- Registered
Health Underwriter, American College, Bryn Mawr, PA
- Long Term Care Professional. AALTC with
HIAA's (now AHIP) Education Division, Washington DC
- Serve various community and non-profit organizations through Board of Directors and Committee work. Active in a 700 member church.
- Former Adjunct Faculty, University of New Haven in SE CT - undergraduate Management courses
- Captain, U.S. Naval Reserve (retired).
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Yes they are! Here are a couple reasons:
First - Over 85% of each premium dollar is used to pay the ever expanding cost of the medical
treatment people are receiving. It's important to understand, as shown in this chart, how a premium dollar is spent .
Note: A big reason medical insurance costs are so high today - 70% or more of medical treatment dollars can be connected to
conditions resulting from life style choices e.g. smoking, to many big burgers, etc.!.
Second -a chart showing how medical treatment costs have increased much faster than inflation since 1988 can be seen here.
If a person suddenly has a significant accident or unique illness the financial risk can be significant. Thus, the most effective way to solve the problem, of having a very very large hospital bill, is to transfer this big risk to a medical insurance company!
How much does treatment cost? The average cost for various medical
treatments is shown in this
informative chart, on the Life and Health Insurance Foundation
for Education's (L.I.F.E.) health insurance cost page. Cost will be higher here in Connecticut but these amounts are still
insightful. |
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▪ Work every day to
get lots of exercise and good nutrition. Be pro active, ask your MD lots of questions,
and do research when discussing a medical situation. Ask what other lower
cost, but just as effective, treatment options are available. It's
also very important to get opinions from other MDs before having an
invasive procedure.
▪ Buy a Health Savings Account (HSA). It's economical since the premium for the major cost situation insurance part of a HSA is lower plus it's a very effective approach. Many HSA plans cover extensive preventive
treatment at 100% and no cost to you. |
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▪ Insights from experts on effective treatment for various medical conditions can be seen here. A First Aid
Guide on handling medical emergencies is also included.
▪ The
National Library of Medicine, the National Institutes of Health, and
other organizations developed this site to provide extensive medical treatment information. It's easy to use and authoritative.
▪ Herbal remedies and
supplements are increasingly popular treatments for medical conditions, Many people find them useful and effective. But at
times they can also have harmful effects! Learn more about the safety and efficacy of 135 of the most
popular supplements. |
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Link here for 
about medical related benefits!
How medical insurance works, where we are today, and some changes being discussed can be seen in these three informative
programs. An avatar guides you
through the
sessions. | |
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