John C Parker
-> Helps individuals in SECT understand MediCare, find a Health plan, and select Dental & Vision Plans.
John C Parker
-> Helps individuals in SECT understand MediCare, find a Health plan, and select Dental & Vision Plans.
Help at "no cost" — from a Professional Advisor to:
● Better understand the value you can gain by owning the different types of medical-related insurance highlighted here on JohnCParker.com. Buying means you will have — financial protection if any type of a high-cost medical-related situation happens! !
First, A face-to-face meeting with a Niantic based professional advisor is the most effective step to better understand these important types coverage. Calling an 800 # means you will talk to a "who knows where" person with a limited understanding of medical treatment/services in New London County.
Second: You gain unique insights into ways to improve your overall health when you buy Individual Dental & Vision insurance plans and receive an exam from a professional Vision & Dental provider!
Discussions, when working with John as an Advisor, will be about:
● your situation and interest/budget!
● how the medical treatment system in SE CT works!
● plans available in SE CT and how they work.
Share "tips" & provide insights so individuals in SECT can better understand the value of and financial protection provided by the different types of insurance for various medical-related situations! The page content on JohnCParker.com is frequently updated to share new information.
● Better understand, during face to face discussions, — how owning a New London County Medicare Advantage or a CT Medicare Supplement plan will fit your interests and situation.
When meeting, the focus will be to:
● Help you understand how MediCare Part A & Part B [called original Medicare] work and the options available to work with MediCare !!
● Simplify how the seven private company Medicare Advantage Plans in New London County and CT's Medicare Supplements work and what you gain.
Note: Meeting to discuss plan details = a Better decision!
Learn more about signing up on this page — Medicare Health plans.
I will be available to talk whenever you need me or however often.
The Center for Medicare and Medicaid Services (CMS) implemented new marketing regulations for Medicare Advantage and Prescription Drug Plans on Oct 1, 2023. They require John when providing any information about Medicare Plans such as on this website, to disclose (inform) to Medicare beneficiaries that:
● He is appointed and certified by all eight Medicare Advantage (MA) companies that offer plans in New London County during 2024 — the only area where he helps individuals. These companies have 33 regular MA plans for John to offer beneficiaries. He usually does not offer special needs plans.
● He is also appointed and certified by six of the eight Prescription Drug Plan (PDP) companies with plans available in New London County and CT.
Note: The other two PDP companies do not offer plans through MediCare insurance professionals. However, John can share insights with clients about all the PDP plans in CT using Medicare.gov. He can not, however, process an enrollment for plans from the two PDP companies!
● They can also find help with plan choices in New London County by contacting:
+ Medicare.gov or
+ CT's State Health Insurance Program (SHIP).
< - - > However, this will not be help from a licensed or certified professional.
The new CMS rules also require recording any discussion over the telephone about plan coverage details or enrolling in a Medicare Advantage or Prescription Drug Plan. However, more effective face-to-face conversations do not have to be recorded.
Note: CMS regulations also state that information created to describe Medicare Plans, such as the content on this website that does not mention a company name, specific plan benefit details, or plan costs, is considered communication material, not marketing material.
● Better understand the — deceptive MediCare TV ads saying — Call Now & Call for Extra Benefits!
Most ads in Southeastern CT are from Medicare Marketing organizations. However, I believe, based on the MediCare rules for advertising, they are close to being deceptive since:
● All individuals wilh MediCare can not sign up for a Medicare Advantage or a Prescription Drug Plan whenever they want!
● TV ads can not say call if you have Medicare. Ads are to say call if you are turning 65 or have a Special Enrollment Period.
● The amount of money back into SS mentioned in TV ads with celebrity spokesmen, is "not available" to most people * !
- > * Only individuals on MediCare and whose income makes them also eligible for MedicAid can qualify for a Special Needs Plan with all the benefits mentioned! ! .
Call John- if question about these ads!
Note: A call means you are committing to talk not to enrolling.
BTW - Another TV ad about retirement says — sign up for a MediGap plan.
- > The company's plan is not approved in CT!
● Better understand the value gained when you — buy an Individual Dental & and a Vision plan:
Buying — means:
● You can receive exams from a Dentist [like in the picture ] and from a Vision MD. The exam can provide early insight into:
-> unknown medical situations!
-> if anything was found that could affect your overall Health!
Detailed information on all you you gain by owning each of these plans and benefit coverage is on there pages: (in red)
-> Dental Insurance
-> Vision insurance
● Better understand a — special type of insurance, which provides — "PROTECTION over" your income & savings when you have a change in health and need help getting around. I believe this special insurance is best called Long Term Health insurance because it provides help when your health changes. It's formally Long Term Care insurance and very important because we are living longer and there is a significantly higher chance — assistance will be needed with day to day life activities!
● Owning Long Term Care insurance — means:
-> Your plan will create a pool of funds you can access to hire professionals to come to your home to assist when help with day-to-day activities is needed! This is a — very big value!
-> being able to hire professionals provides peace of mind knowing familily members won't be burdened having to care for you! Then too, your family won't face the big physical, emotional, and financial burden of being your full time caregiver.
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Key — buying what I like to call Long Term Health insurance, when younger = big savings. e.g. it's 33% higher at 55 vs 50!
More information and insights on how buying means you won't burden family following a "Life Happens" change in health is on this link!
● Better understand — special international medical coverage is needed to protect your income in case a "what if" medical related situation happens when traveling outside the U.S. for vacation or business!
● Crossing a U.S. boarder — means:
-> Your employer or individual or Medicare plans provides limited if any coverage for any accident or illness situations.
Thus, buying easy to use "Out of the U.S," medical coverage, before you leave home is essential so you can enjoy your trip.
Pleased to offer different plans — on this page — to fit your travel situation.
● Better understand — why working hard to achieve a healthy life is so important! I am pleased to share some key steps:
● The most critical thing for a healthy life — focus on proper nutrition! Work on:
-> Rushing away from SAD [Standard American Diet]
-> Eating as many fresh, grass-fed, & farm-raised products as you can!
● The essential step in moving away from SAD is to — avoid sugar:
-> It's addictive — sugar can ruin your health in 143 ways.
-> During the pandemic's ups and downs,, we learned a robust immune system is vital. Guess what!
The # 1 thing on the list of steps to help your immune system — no Sugar!
● The key to achieving a healthy life is to focus 80% of your efforts on proper nutrition! Just 20% is on exercise.
Note: CDC reports only 50% of people get regular exercise! This = $117 billion in yearly healthcare cost!
[Think what that would do to the cost of your health insurance!]
● Research tells us — proper nutrition gives you:
-> a much better chance of avoiding expensive medical treatment!
-> the ability to correct medical situations vs medications!
● A study published in the Journal of the American Medical Association (JAMA) found nearly half of all deaths related to heart disease, stroke,, and diabetes can be attributed to diet.
● Supplements — are an effective alternative to prescription medications for many but not all people!
Note: Supplements are not a "magic bullet" so it's essential to fully understand what you are taking — To help you understand the herbs and supplements you now use or are thinking about and what they really do I am pleased to provide useful information on this site — MedlinePlus.
The page has information about the effectiveness of your supplements — usual dosage — whether there are any interactions with medications.
People think! & they hope! — their health won't change!
It would be great if we could Think & Hope then just cross our fingers — & have good health !
● However — No one can say they won't have an accident or change in health!
Thus — preparing for a "what if" life happens situation is VERY Important — call or text John's Google Voice line at (860) 451-9793 today! — When meeting to talk we can review:
● Your situation, plans, and interests
Note: Taking time to gain increased understanding by meeting with a professional advisor = a better decision.
When a plan(s) is found which meets your interest / needs / budget and an enrollment period is available we will meet to complete the sign up forms.
BTW - it's OK after talking to say no - now is not the right time to buy.
Feel free to send any questions about any of these Health-related insurance plans to John - Learn@JohnCParker.agency