John C Parker
-> Helps individuals in SECT understand and find a Medicare Health plan and help select Dental & Vision Plans.
John C Parker
-> Helps individuals in SECT understand and find a Medicare Health plan and help select Dental & Vision Plans.
A professional Advisor — helping you, at "no cost", to:
● Better understand how buying the special insurance plans highlighted here provides — financial protection if a high-cost medical-related situation happens! !
First: Working with a Niantic-based professional advisor and having a face-to-face meeting is the most effective step to better understand this important 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: When you buy Individual Dental & Vision insurance plans and receive an exam from a professional Vision & Dental provider you gain unique insights toward improving your overall health!
When working with John as an Advisor discussion 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.
JohnCParker.com — was developed to share "tips" & insights to help individuals in SECT better understand the value gained when they buy financial protection insurance for medical situations! John frequently updates page content to share new information.
● Better understand the value you gain buying a Medicare Advantage or Medicare Supplement Plan to work with your Medicare Part A & B coverage. — Meeting and talking results in better understanding of plan coverage and the available options. Face-to-face discussion are also more effective than talking to a, who knows where they are person, on an 800 #.
When meeting, the focus will be to:
● Help you understand what MediCare Part A & Part B [called original Medicare] cover and how part of your treatment expenses are not paid if using Part A & B,
● Simplify how the seven private company Medicare Advantage Plans in New London County and the Medicare Supplements in CT work and what you gain.
Note: Meeting to discuss plan details = Better understanding, which = a Better decision!
Learn more about signing up — Medicare Health plans.
I will be available to talk for all the time you need. Then, too, we can share information via eMail!
The Center for Medicare and Medicaid Services (CMS) created regulations for marketing Medicare Advantage and Prescription Drug plans that include a requirement for John to disclosure (inform) to Medicare beneficiaries :
● He is appointed and certified by the seven Medicare Advantage (MA) companies offering plans in New London County in 2023, the only area where he helps individuals. They have 30 regular MA plans, not special needs plans, available to beneficiaries.
● He is also appointed and certified by six of nine Prescription Drug Plan (PDP) companies with plans available in CT and New London County.
Note: The other three companies do not make their plans available through MediCare insurance professionals. John can, however, using Medicare.gov, share insights with clients on the 24 plans available from all nine companies. He can not however process an enrollment for plans from the three PDP companies!
● Help with the plan choices in New London County is also available by contacting:
+ Medicare.gov and
+ CT's State Health Insurance Program (SHIP).
< - - > However, this help will not be from a licensed or certified professional.
Note: The CMS regulations state information published or created about Medicare, such as the content on this website, that does not state a company name, or benefit details, or costs is considered Communication materials.
● 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 advertising rules, they are close to being deceptive since:
● Individuals wilh MediCare can not sign up for a Medicare Advantage or a Prescription Drug Plan whenever they want!
● TV ads can not say anyone with Medicare can call. Ads are to be focused such as call if you are turning 65 or have a Special Enrollment Period.
● The money back into SS benefit, 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 the benefits mentioned! ! .
Call - if any 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 what — you gain by buying an Individual Dental & and Vision plan. — Buying means:
● When you receive an exam from a Dentist [like in the picture ] and a Vision MD you gain early insight into the following:
-> any unknown medical situations!
-> whether there is anything in your body affecting your overall Health!
Detailed information on all you you gain by owning these plans 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 when traveling outside the U.S. for vacation or business!
● Crossing a U.S. boarder — means:
-> Your employer or individual or Medicare plans will provide limited if any coverage for any accident or illness situations.
Thus, buying, before you leave home, easy to use "out of the U.S." medical coverage 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 and what you can gain! 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 pandemic's ups and downs,, we learned a robust immune system is vital Guess what! The # 1 on the list of steps to help your immune system! o Sugar!
● The key to achieving a healthy life is focusing 80% of your efforts on proper nutrition! Just 20% is on exerc se.
Note: CDC reports only 50% of people get regular exercise = $117 billion 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!
-> ways 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 understand what you are taking fully — Pleased to provide useful information to help you understand the herbs and supplements you now use and what they really do on this site — MedlinePlus.
The page has information about the effectiveness of your supplements or one you are thinking about — usual dosage — learn about any drug interactions.
People think! & hope! — their health won't change!
It would be great if we could — just cross our fingers — & hope for 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