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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?


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

MediCARE's Part B pays 80% of the amount allowed for your physician and outpatient treatment! What to do? You can cover your 20% by buying a Medicare Health plan.

Soon be eligible or 65 or older? You can gain a better understanding of how Medicare's Part A (hospitalization) and Part B (out patient) work by calling my Google Voice # today - (860) 451-9793. We can set up a no cost to you discussion of MediCARE and review the certainty gained by buying a Medicare Health Plan:

     Note: If you just moved or will be coming off an employer medical plan you are eligible for a special enrollment period.

One Option: A Medicare Supplement. Pays part or all of the medical treatment expenses MediCARE does not cover. When enrolled in this special health insurance, often called a MediGap plan, you can get medical treatment in any state from any provider that accepts MediCARE. Some points:

  • Supplement Plan A has the least coverage. Supplement B includes more. F provides full coverage.
  • The coverage in each Medicare Supplement in Connecticut plan is the same no matter what company you select but there can be considerable variation in the monthly premium.
  • Supplement N has a lower monthly cost than F. In Plan N you pay Part B's $147 deductible, a $20 co-pay for office visits, and a $50 co-pay for emergency room visits.
  • A recent survey found 9 out of 10 reported they were happy with their Medicare Supplement coverage.

MediCARE's Part A, or Part B, or a Supplement do not cover outpatient prescription medications. You can gain help paying for medications at the pharmacy by enrolling in a Medicare Prescription Drug Plan (PDP). A PDP is MediCARE's Part D. If you don't sign up for a Part D plan when eligible a penalty will be applied unless you have credible prescription coverage such as an employer plan. Thus, enrolling is important.

A Second Option - a Medicare Advantage (MA) plan. MA plans are available from private insurance companies and are MediCARE  Part C. Some points:

  • You pay a monthly premium and receive at least the same or more benefits as in original MediCARE.
  • When enrolled in a MA most medical treatment visits have co-pays and is received through the Medicare Advantage in Connecticut companies network of providers. Your cost sharing is however limited by the plan's annual maximum out of pocket (MOP) provision.
  • MA companies have a yearly contract with MediCARE and receive a fixed monthly payment for each person who enrolls. Most MA plan include coverage for Part D prescription expenses, which makes them a MAPD plan.
  • MA plans include more extensive preventive care, such as an annual physical, then in original MediCARE and are usually more economical than a MediGap plan plus a Part D plan. Thus, they are of interest to many individuals.

Another way to lower a Medicare Health plan's monthly premium and reduce your cost sharing is to select the High Deductible Medicare Supplement ($2,140 in 2014). Together with a Part D plan for medications the monthly cost 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 # today - (860) 451-9793. We can meet for a no cost to you conversation to:

  • Translate all the information you have received or found and help you select effective and economical coverage.
  • Compare the value gained with a Medicare Supplements in Connecticut or Medicare Advantage plan in Connecticut.

You can also send a note to -

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?
  • 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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