John C Parker
-> helping Individuals in SE CT understand the value of owning different-kinds-of- health-related-insurance!
John C Parker
-> helping Individuals in SE CT understand the value of owning different-kinds-of- health-related-insurance!
Working — To Help You:
● Simplify CT's health-related insurance plans ● Better understand the Value Gained by buying the best plan or plans for your situation.
Working with a professional health insurance advisor, at the local level to help you is more effective vs talking to a person, on a 800#, who does not know our area. You will learn how:
● the medical treatment system in SE CT works today!
● all plans available SE CT plans work.
Call today — when talking & eMailing info the focus will be:
● on your situation and interest / budget!
● on the Health-related insurance plan(s) best for you.
Working to help you, when enrollment is available * * — will focus on increasing understanding of options & selecting the best plan.
Owning = an important step in your overall health.
* * Federal rules limit the times to apply or change a Medicare Health plan and for Individual medical plans!
JohnCParker.com was developed to help you by sharing insights & "tips" on what you gain by buying the different health-related insurance plans!
● Better understand original MediCare & Medicare Health Plans!
The focus when talking about MediCare will be to help you:
● Understand Part A & Part B called "Original Medicare".
● Simplify Medicare Advantage Plans in SE CT and Medicare Supplements in CT. Whichever plan is selected they both work with MediCare' system and are purchased from a private company.
Note: Taking time to talk = Better understanding = a Better decision!
Whatever time you need will be available at no cost to talk and share information by eMail.!
BTW — the Annual Election Period to select a Medicare Advantage or a Prescription Drug plan for 2021 was over last Dec. 7th.
However, contrary to Medicare marketing rules there are lots of ads on area TV. Beware of ads such as a former sports figure saying:
● Call for extra benefits:
- > these are "not available" for most people! - Why? Only individuals who are also on MedicAid can receive the benefits in the ad!!!.
● Implying anyone with MediCare can sign up today
- > however only people turning 65 can enroll ! ! !
Another ad says — sign up for a MediGap plan.
- > The company's plan is not approved in CT!
Call - if any question on these ads!
● Better understand Long Term Care insurance. — The chance your health will change and assistance will be needed with day to day life activities is very high!. It also goes much higher as time goes by! — Thus, buying Long Term Care insurance means:
-> you have a pool of funds in your plan so professionals can be hired to assist with day to day life activities so family will not have to.
-> assistance & support professionals can come to your home - so important these days & in the future.
● This special insurance which works to help you and protect your income & savings starts to work when your health changes! So it is best called long term health insurance.
● Information and insights on how buying means you won't burden family and will have peace of mind following a "Life Happens" change in health is on this link!
● Better understand medical insurance costs in CT! They are high because — medical treatments & services & prescriptions are very very expensive! — many tests/procedures are not medically necessary! Treatment costs have caused medical insurance in CT to be second highest in the U.S. Bottom line — the cost will be high whether you have a Small Employer or Individual plan!
Some points:
● When treatment costs are so high the idea of — I'll just pay for any needed treatment or — I'll put money e.g. in a jar (like the picture ) to prepare for health problems — won't work!
● Questions sometimes comes up — where does all the money spent on medical insurance go?
This chart! breaks down — all the things a dollar of your monthly cost is spent on!
Note: The page has other information below the chart on rapidly increasing costs below!
● Periodic posts on costs and health related things affecting people in CT are on John's health-related insurance blog - HealthRelatedInsuranceInConnecticut.com
● Better understand how to avoid having Very Big bills show up in the mail — following a medical situation or — from the agency providing "help to get around" professionals! I recommend:
Transferring — I have to pay invoices from the "medical system" [see picture] or agency providing help to get around assistance to — I want to stay in control by "buying both" :
● A Medicare Advantage Plan available in SE CT or a CT Medicare Supplement.
● Long Term Care insurance so I won't become a burden on family . The plan has a pool of funds to hire professionals to come to your home and provide assistance!
● Better understand — when you Buy both special health-related insurance plans it's like — you put protection up over" your income & savings. Highlights of how each helps:
● a Medicare Health Plan — the company you select — not you — pays MDs and other providers !
● Long Term Care insurance — the plan you create includes a pool of money so professionals can be hired to provide needed assistance. That means you can maintain dignity.
Note: Owning a pool of funds to hire caregivers is a big value — your family won't face the big physical, emotional, and financial burden of being your caregiver.
● Better understand how "different kinds" of health insurance protect your finances. The red links are to pages developed to help you understand ● how each type works ● the value gained by buying!
I am pleased to share the information on these pages so you can better understand:
● Individual Dental plans
● Individual Vision Plans
● Medical insurance when out of the country - ParkerHealth.com
● Medicare Advantage Plans in SE CT & CT Medicare Supplements - Medicare-Health-Plans-Southeastern-CT.com
● Long Term Care insurance - LongTermHealthInsuranceInConnecticut.com
● Better understand why achieving a healthy life is very important today. Some key steps:
● The most important thing to do is focus on — proper nutrition! Work on:
-> Moving rapidly away from SAD [Standard American Diet]
-> Eating as much fresh, grass fed, & farm raised products as you can!
-> Avoid sugar — it's addictive — sugar can ruin your health in a 143 ways.
Note: Having a strong immune system is vital today to avoid Convid 19. No Sugar is # 1 on the list of steps to help your immune system!
● 80% of your efforts to achieve a healthy life is — proper nutrition! Just 20% is on exercise.
Note: CDC reports only 50% get regular exercise = $117 billion yearly healthcare cost!
[Think what that would do to the cost of your health insurance!]
● I am pleased to tell everyone research tells us — proper nutrition gives you:
-> a much better chance of avoiding expensive medical treatment!
-> ways to correct medical situations vs medications!
● What about — Supplements!
They are an effective alternative to prescription medications for many but not all people!
Since supplements are not a "magic bullet" for everyone it's very important to understand what those you take — or are thinking about — really do!
Helpful information is available here — MedLinePlus.
● Better understand the importance of buying both an Individual Dental & Individual Vision plan gives you early and detailed insights into your overall health — When you own both special health related insurance plans you will learn — following an exam:
● from a Dentist [like in picture ] and a Vision MD:
-> early insight into different medical situations!.
-> what in your body is affecting your overall Health!
Information and insights on what you gain by owning:
-> Dental insurance
-> Vision insurance
People think & hope! — their health won't change!
It would be great if all your wishes come true! But they don't!
● No one can say an accident or change in health won't happen!
So — to prepare for a "what if" — call or text (860) 451-9793. [Google Voice line] today — to talk about:
● your situation and interests
● how the different kinds of health related insurance protect your income & savings and others provide insights into your overall health.
Note: Taking time to gain increased understanding by talking with a professional advisor = a better decision.
● a plan to Buy, if a sign up period is available, which meets your interest / needs / budget.
BTW - it's OK after talking to say no - now is not the right time to buy.
You can send questions on Health-related insurance to - Learn@JohnCParker.agency