Medical related insurance for Connecticut employers & individuals

A Big Welcome from John C Parker, RHU. LTCP a professional health related insurance advisor in Niantic CT. The Parker Agency is a member of the AmeriBen Alliance and adheres to a high standard of professional conduct.

John develops group medical insurance benefits and individual medical insurance solutions for the big risk everyone faces of unexpected "Life Happens" situations. Clients gain from extensive involvement in professional associations and national conferences. The practice focuses on consumer choice plans in Eastern Connecticut and:

Works with Connecticut employers:
to implement a Health Savings Account. (HSA) Traditional plans result in most employees being over insured. Why? Most people have limited medical treatment expenses. Thus, a big part of implementing consumer choice plans is to encourage everyone to take responsibility for their health and future. HSAs respond to this need, with extensive preventive care covered at 100% in some plans; change the way routine medical expenses are paid; and are a very effective solution to today's very expensive rates. Wellness programs are another important part.

to improve productivity of the ever growing number of employees and families faced with elder care (49%). Learn how Long Term Care insurance (LTCi) is a unique executive benefit.

Let's meet to develop an effective solution for you.

Micro Employers: (2, 3, or 4 employees)
Quickly learn the cost of group medical insurance plans from different companies through an on line partner - eHealthInsurance and apply, if desired. Take a look

Individual medical insurance protection for Connecticut residents:
• A innovative plan with an office co-pay and dental check ups. Learn more and apply - Tonik Health Plans in CT.
• You can quickly learn the cost of other individual insurance plans from various companies and apply through an on line partner - eHealthInsurance.

International Medical coverage is important for:
• US citizens planning a short or extended trip out of the country since employer and individual medical plans have limited if any international coverage. Take a look.

• International citizens coming to the US who need special medical insurance Take a look.

The Parker Agency Blog - Health Related Insurance in CT - periodic discussion of medical insurance related issues in Connecticut.

People say medical insurance costs are too high!

Yes they are, but the alternative - going without protection puts you and your family in an unnecessary risk if a unique illness happens or you have a significant accident like you see below:

Health insurance for Connecticut employers

A couple points on medical treatment costs!
This chart shows how these costs have increased faster than inflation since 1988! The result - health insurance is expensive because medical treatment is very expensive.
The Life and Health Insurance Foundation for Education's (L.I.F.E.) site health insurance cost page has an informative chart showing the cost of various medical treatments.

What can be done?
• Protect yourself from these high costs with insurance where you have more control such as an Health Savings Account.
• Be pro active when there is a medical situation and do lots of research; ask your MD lots of questions; and get other opinions before having an invasive procedure.

Resources on health symptoms and treatments to help you make more informed decisions
• The National Library of Medicine, the National Institutes of Health, and other health-related organizations created a site with extensive health treatment information. It is easy to use and authoritative.
• Insights from experts on effective treatment for various medical conditions. There is also a First Aid Guide on handling medical emergencies.
• Up to date safety and efficacy information on the often useful, but at times harmful, effects of 135 of the most popular herbal remedies and dietary supplements.

Recent news about health related benefits can be seen here:

John C. Parker, RHU, LTCP
Licensed to conduct business in CT (644135) and RI (1058420)
Does not solicit or sell in other states.
47 Laurel Hill Drive, Niantic, CT 06357-1536
Voice (860) 739-4589 - eMail: John@ParkerHealth.com

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