medical & long term care insurance
Medicare Health Plans - Short Term Medical
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Employers and individuals in New London County & Eastern Conn:

  • Your source for insights & information on medical insurance plans in CT!
  • Gain a better understanding of MediCare & MediCare Health Plans from a health insurance professional!

Getting involved in your health and the cost of medical treatment will result in a more enjoyable life!

Many treatment expenses today are applied to a medical plans deductible. Thus, since the cost of medical procedures varies from one provider to another it important to understand what your costs might be. How? Enter your zip code here. Then select the category for your medical situation and you will see the cost of some providers.

     Note: Even if a limited number of providers is shown you will have a cost to talk about. For example: I have a HSA and found one cost would be $_____ for the ______ . I would like to know what your cost will be?

 

 

eMail health related insurance questions to .

Medical treatment resources and info on insurance costs.

Resources to help make treatment decisions and learn more about why medical insurance is expensive can be found on this page.

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A look at MediCare:

  

Social Security (SS) is responsible for enrollment in MediCare but it's not automatic when an individual turns 65!

Want to enroll at 65 or later? The First Step - Meet with retirement person at your Local SS office. Why not just call? Surveys report people received incorrect information when calling SS's 800#!

When you call the Local office they may want to handle enrollment over the phone - tell them you want an appointment to understand options to pay your Part B.

        Note: If enrolling after working past 65 ask for the special form your employer needs to sign so you avoid the Part B late enrollment penalty

Second Step You are responsible for 20% of the amount MediCare approved for outpatient treatment or procedures. This is a Big Risk so its important to buy one of two types of Medicare Health Plans. Either:

A Medicare Supplement Owning means medical treatment can be received from any provider in any state who accepts MediCare's level of payment. These plans are purchased from private companies. Some points on what are often called a MediGap plan:

  • Supplement plans have "lettered' names". A with basic coverage. B, C, etc. have more. Coverage in a plan with the same letter, from any company, is the same. However, the monthly cost can vary considerably.
  •  Supplement N from one company is over $100 a month lower than their full coverage F. Why? A person would pay Plan N's Part B's annual deductible [$183 for 2018], a $20 co-pay for any office visits, and a $50 co-pay if any emergency room visits.
  • 9 out of 10 people are happy with their Medicare Supplements.

What about prescriptions? Medications received on an outpatient basis are not covered by MediCare's Part A or Part B nor Supplement Plans. Thus, a Prescription Drug Plan (PDP) is available. It's MediCare's Part D, is voluntary but even if not taking medications a penalty is applied for each month a person over 65 did not enroll. There is exception if they had "credible" prescription coverage such as through an employer plan.

A Medicare Advantage (MA) Plan is the second type from private companies   its MediCare's Part C. MA Plans:

  • Provide the same coverage as original MediCare plus additional benefits such as a full physical each year. MA plans are of interest to many and availability is based on the County you live in.
  • Have co-pays or cost sharing when a person goes to the companies network of providers for treatment. Your cost over the year is capped by the plan's Maximum Out of Pocket (MOP) provision.
  • Have a yearly contract with MediCare and are paid a fixed monthly payment for each person who enrolls. Individuals also pay for most plans a monthly cost, which varies, based on the amount of cost sharing.
  • Most MA plans include a Part D plan for prescription expenses which makes them a MAPD plan. The monthly cost for many MAPD options is more economical than buying a MediGap plan plus a Part D plan.

Another way to lower the cost of a Medicare Health Plan: A High Deductible Supplement is a full coverage Plan F with an initial deductible ($2,250 for 2018). This plan results in a persons maximum expense for medical treatment being less than with a MAPD. This Supplement is available from a few companies here in CT.

New MediCare ID cards: Everyone enrolled in MediCare will receive a new ID card beginning in April 2018 with unique alpha & numeric characters. It will have 4 digits space 3 digits space 4 digits. Why? It is being implemented to protect a persons SS number. A picture of the new card is on this site with other information about the conversion project. Everyone on MediCare will have a new card by April 2019.

Call my Google Voice # today or send a Text (860) 451-9793 to set up a time (no cost to you) to eliminate confusion and increase understanding of:

  • How a Medicare Supplement in Connecticut or Medicare Advantage in Connecticut plan works.
  • Select the best plan for your situation.

Interested in Dental coverage & you live in CT?

Oral Health is very important. Dental check ups can detect many health risks so they are key to overall health. All ages can enroll and exams, fillings, and major services are covered:

  • One plan has up to $1,000 in benefits each year for about $50 a month.
  • A second has up to $2,000 in benefits for about $60 a month.
  • Using one of the many Dentists in the Ameritas network saves up to 30% thus your benefits go further. These plans include - Orthodontic coverage for dependents under 19!
  • Want more info?  Enter your CT zip code, then select Dental in the box below, then who is to be covered, and the date coverage is to start. The next page shows the monthly cost and a link to view coverage Details.
  • Call my Google Voice # today or send a Text (860) 451-9793 if questions about this Dental plan or the optional Vision plan.

Interested in coverage for a short time?

Short Term Medical (STM) plans help pay eligible illness or injury expenses.

  • What are they for? An economical way to cover unexpected medical situations until able to enroll in qualified Individual or Employer plan.

This special plan provides up to $1,000,000 in coverage. You can select from 5 deductible levels and have coverage for more than 90 day!.

How does it work? When you apply for a EZ STM plan there are no health questions but any medical conditions during the previous 12 month period would not be covered. When a person is enrolled and more than 90 days is needed they can apply for a 2nd and 3rd 90 day plan and then another 2 month plan. A total of 11 months! Any medical condition(s) which developed when enrolled do not become pre-existing when you apply for the next plan. BTW - there are no policy or association fees.

You can view a pdf on the EZ STM plan. Costs are on page 5.

You can then enroll on the Parker Agency page of EZ STM's site.  

Coverage is better when you use the EZ STM network of providers.

Questions on short term plans? Send a note to - John@Parker.agency

 
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