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

  • Looking for answers or information about medical insurance plans?
  • Need a better understanding of MediCARE?


Many people are enrolled in Health Savings Accounts today so it is important to look into the cost of treatment if a medical procedure is planned. Why? The cost for the same treatment can vary considerably in your local area. General info. on treatment costs can be found by entering your zip code here  Then select the medical category.

     Note: The number of providers which show may be limited but you can take the amount you found and ask other providers. For example: I found the cost was $____ . I have a HSA and would like to know your rate?


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  • 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.

Soon be 65? The Social Security system no longer automatically enrolls individuals in MediCARE when they turn 65.

Call the local Social Security office for a meeting with a retirement person. Going to a local office is best. There are many reports of errors when the 800# was called.

MediCARE's Part B covers physicians and outpatient procedures and pays 80% of the allowed amount for your treatment! What to do? Buy a Medicare plan to cover part or all of your 20%. There are two types.

If you will be 65 soon lets meet. We can have a no cost discussion about your interests and to simplify the complexities on how MediCARE's Part A and Part B work. Buying means you gain certainty with a plan, which will pick up part or all of the treatment expenses MediCARE covers but does not fully pay.

Call my Google Voice # today - (860) 451-9793 to set up a time to talk. You can also send a Text:

       Type One: A Medicare Supplement in Connecticut. You can receive medical treatment from any provider in any state that accepts MediCARE's payment. Some points about these, which are often called MediGap plans:

  • Supplement A has the least coverage. Supplement B, C, etc. include more. F provides full coverage. Coverage in a Plan F is the same no matter what private company you select however, the variation in monthly cost can be considerable from one company to another.
  • In Plan N you pay Part B's $147 deductible (in 2015), then a $20 co-pay for office visits, and a $50 co-pay for emergency room visits. Its monthly cost is lower than the full coverage Plan F.
  • 9 out of 10 people are happy with their Medicare Supplements

MediCARE's Part A, or Part B, or a Supplement do not cover outpatient prescription medications. Medicare Prescription Drug Plans (PDP) are available to help pay for the medications you receive at the pharmacy. A PDP is MediCARE's Part D. Enrolling in Part D is important since a penalty will be applied if you don't sign up when eligible unless you have credible prescription coverage such as through an employer plan.

      Type Two: Medicare Advantage (MA) plans are also available from private insurance companies. Some points on Medicare Advantage in Connecticut plans:

  • A MA plan is MediCARE's Part C and individuals who enroll receive at least the same or more benefits then in original MediCARE. You can receive an annual physical and more extensive preventive care then in original MediCARE.
  • Medical treatment is received through the companies network of providers and you pay various co-pays and cost sharing. Your overall cost during the plan year is limited by the plan's Maximum Out of Pocket (MOP) provision.
  • MA companies have a yearly contract with MediCARE and receive a fixed monthly payment from MediCARE for each person who enrolls. Most MA plans include coverage for Part D prescription expenses, which makes them a MAPD plan.
  • The monthly cost for a MAPD is usually more economical than a MediGap plan plus a Part D plan. Thus, they are of interest to many individuals.

Another way to lower the monthly cost and reduce your MediCARE cost sharing is to select the High Deductible Medicare Supplement ($2,180 in 2015). Together with a Part D plan for medications the monthly cost is lower than some MAPD plans.

Note: Surveys of people close to 65 tell us more than 50% are confused about Medicare and only about 10% understand Medicare's Part C! Thus, I would like to - Ask you to call my Google Voice # today - (860) 451-9793. You can also send a Text.

Even though a change can't be made in your current MediCARE plan until Oct. 15th we can however have a no cost general conversation about MediCARE to simplify any confusion, discuss your interests, and:

  • Review the value gained with a Medicare Supplement in Connecticut or a Medicare Advantage in Connecticut plan.
  • Help you select, and implement when eligible, an effective plan to cover your share of the approved treatments, which MediCARE does not pay.

You can also send a note to -

Under 65 and Interested in coverage for a short time?

Short Term Medical (STM) plans are not qualified health reform plans and do not cover any pre existing conditions. What do they do? Economical coverage for unexpected medical situations for a short period. For example:

  • When a new employer plan is not effective for a couple months?

You can view various STM options and costs on the Parker Agency site of HCC Medical Insurance Services. HCC is rated A+ (Superior) by A.M. Best.

You can look here for network providers.

Questions on short term plans? Send a note to -



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