John C. Parker, RHU,
LTCP 47 Laurel Hill Drive Niantic, CT
06357-1536
Remote office staff: 860.739.4589
Works to help smaller employers and individuals
implement consumer focused medical benefits, such as Health Savings Accounts. Clients gain from recommendations based on:
Note: These insights are not available from other area health insurance agents or brokers.
Founded in January 1985 as John Parker & Associates John's firm works with other health insurance professionals in the AmeriBen Alliance.
Previous Experience:
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.
Professional Associations:
Knowledge of benefit trends and emerging products is enhanced through
participation in two or three national level conferences each year 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
Community and Personal Activities:
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).
Yes they are! Some reasons:
First - Over 85% of each premium dollar small employers pay goes for people's ever increasing medical
treatment costs. This chart is a breakdown of how a dollar of premium is spent!
Note: In addition, to ever increasing medical treatment expenses medical insurance continues to go up because of things such as:
▪ 70% or more of medical treatment dollars can be connected to
people's life style choices e.g. smoking, eating to many big burgers, etc.!
▪ MedicAID and MediCARE do not pay providers the full cost of people's medical treatment expenses! This results in providers shifting their unpaid costs to private medical insurance plans.
Second -inflation on medical treatments/procedures has been increasing much faster than normal inflation since 1988. A chart showing this can be seen here.
How much do various medical treatments cost? The average cost in the U.S. for various 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. Costs here in Connecticut are higher than these averages but these amounts are still
insightful
If a person suddenly has a significant accident or unique illness they face a very large hospital bill. To avoid this highly possible situation the most effective approach is totransfer this big risk to a medical insurance company!.
▪ Work every day to
get lots of good nutrition and avoid sugar. Be pro active, ask your MD lots of questions such as what other effective treatment options are available, which may have a lower cost. It's
also very important to get opinions from other MDs before having an
invasive procedure. Information in the resources section below may be useful in researching medical situations.
▪ Buying a Health Savings Account (HSA) is more economical than a traditional plan. Why? You are not paying extra premium just in case you have lots of routine expenses. You gain an extensive list of preventive
treatment, which is covered at 100% with no cost to the individual. Being sure you receive all preventive check ups is an important part of taking care of yourself. Other MD visits, e.g. when not feeling well, are paid, using before tax dollars, with a debit card connected to a special bank based medical expense account.
▪ 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 provide extensive medical treatment information on this site. It's easy to use and authoritative.
▪ Herbal remedies and
supplements are an important part of taking care of themselves for many people. They are useful and effective but at
times can have harmful effects! Learn more about the safety and efficacy of 135 of the most
popular supplements.
