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Employers and individuals in CT:

  • Looking for answers on what federal health care reform will mean to you?
  • Need a better understanding of Medicare?

Contact today


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? First: The Social Security system no longer automatically enrolls individuals in MediCARE. Thus, I recommend calling your local Social Security Office for an appointment to sign up - not through the 800#.


MediCARE's Part B only pays 80% of the allowed amount for your physician and other outpatient treatment! To cover your big risk it is best to buy a Medicare Health plan.

      Note: Medicare has no limit on your 20% cost sharing unlike employer benefit plans!

Soon be eligible! Pleased to help you understand how Part A and Part B work and the certainty you gain by buying a quality MediCARE health plan to cover your 20%.

I would like to - Ask you to:

You can enroll in one of two types of Medicare Health Plans. - First: Medicare Supplements in Connecticut. They are available from private companies and pay, depending on the plan, part or all of the medical treatment expenses MediCARE does not pay.

Some points on Medicare Supplements:

  • Plan A has the least coverage. Plan B includes more, etc. Plan F is the most comprehensive.
  • Each company offering a specific plan provides the same benefits but there can be considerable variation in their monthly premium.
  • Plan N has a small deductible, a $20 co-pay for office visits, and a $50 co-pay for emergency room visits. This cost sharing results in a lower monthly cost than the full coverage Plan F.
  • These plans, often called MediGap plans, are very popular with individuals who want the flexibility to receive medical treatment no matter what state they are in. A recent survey of enrolled individuals found 9 out of 10 reported they were happy with their coverage.

MediCARE's Part A or Part B does not pay for normal outpatient prescription medications. Thus, to cover part of the cost of outpatient medications you need to enroll in a Medicare Prescription Drug Plan (PDP). This is MediCARE's Part D. Enrolling when you first sign up for Medicare is important since a penalty will be applied if you do not have what is called credible prescription coverage.

Second- Medicare Advantage (MA) in Connecticut. These plans are MediCARE's Part C:

  • MA plans are available from private medical insurance companies and provide at least the same or more benefits as in original MediCARE. Some MA plans have no monthly premium and some charge a premium. MA companies have a yearly contract with MediCARE and receive a fixed monthly payment for each person who enrolls.
  • Individuals receive their medical treatment through the MA companies network of providers and pay co-pays for physician visits, emergency room visits, outpatient surgery, and for a certain number of days if hospitalized. This co-pay cost sharing is limited since the plan's include an annual maximum out of pocket (MOP).
  • Most MA plans include coverage for Part D prescription expenses. This makes them a MAPD plan.
  • Companies offering Medicare Advantage in Connecticut include more extensive preventive care then in original MediCARE.
  • MA plans are usually more economical than buying a MediGap plan plus a Part D plan. Thus, they are of interest to many individuals.

Another way to lower the monthly premium of a Medicare Health plan and limit your MOP cost sharing is to select the Medicare Supplement High Deductible ($2,140 in 2014) option. Together with a Part D plan for medications the result is a monthly cost, which is lower than some MA plans.

Surveys of people close to 65 tell us more than 50% are confused about Medicare and only about 10% understand Medicare's Part C! I would like to - Ask you to call my Google Voice # (860) 451-9793 today if interested in increasing your understanding.

We can meet for a no cost to you conversation about the value Medicare Supplements in Connecticut or Medicare Advantage Plans in Connecticut can provide. You can also send a note to .

Protect your financial situation when traveling out of the US?

Special travel coverage is needed to protect the investment you made in a vacation or business trip. It includes trip cancellation or interruption; lost baggage; medical evacuation; and more. You can review the details and the cost for a Trip Protector plan and enroll online.

Interested in coverage for a short time?

Short Term Medical plans do not cover any previous pre existing conditions but are an effective and economical approach, when protection from unexpected medical situations is only needed for a limited period such as:

  • Between jobs?
  • Coming off a parents plan!
  • When a new employer plan is not effective for a couple months?

You can view various deductible 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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