medical & long term care insurance
Medicare Health Plans - Short Term Medical
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Employers and individuals in New London County & Eastern Conn:

  • Your source for insights & information on medical insurance plans in CT!
  • Gain a better understanding of MediCare & MediCare Health Plans from a health insurance professional!

Getting involved in your health and the cost of medical treatment will result in a more enjoyable life!

Many treatment expenses today are applied to a medical plans deductible. Thus, since the cost of medical procedures varies from one provider to another it important to understand what your costs might be. How? Enter your zip code here. Then select the category for your medical situation and you will see the cost of some providers.

     Note: Even if a limited number of providers is shown you will have a cost to talk about. For example: I have a HSA and found one cost would be $_____ for the ______ . I would like to know what your cost will be?

 

 

eMail health related insurance questions to .

Medical treatment resources and info on insurance costs.

Resources to help make treatment decisions and learn more about why medical insurance is expensive can be found on this page.

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A look at MediCare:

  

Social Security (SS) is responsible for enrollment in MediCare but it's not automatic when an individual turns 65!

The most effective and easy way to enroll at 65 or later is to meet with a retirement person at your Local SS office. Why not just call? Surveys report people received incorrect information when calling SS's 800#!

When you call the Local office they may suggest handling enrollment over the phone - suggest indicating, for example, you are not signing up for SS and want an appointment to understand options to pay your Part B.

        Note: If you are over 65 ask, during your appointment for the special form your employer needs to sign so you avoid Part B's late enrollment penalty.

Having to pay 20% of MediCare's approved amount for outpatient treatment or procedures is a Big Risk! Thus, its important to buy a Medicare Health Plan. Either a:

Medicare Supplement You receive medical treatment from any provider in any state who accepts MediCare's level of payment. Supplements are purchased from private companies and are often called MediGap plans. Some points:

  • They have "lettered' names". A has basic coverage. B, C, etc. have more. Coverage in a plan with the same letter, from any company, is identical. However, the monthly cost can vary considerably.
  •  Supplement N from one company is over $100 a month lower than their full coverage F. Why? A person with Plan N pays Part B's annual deductible [$183 for 2018], a $20 co-pay for any office visits, and a $50 co-pay if any emergency room visits.
  • 9 out of 10 people are happy with their Medicare Supplements.

      What about prescriptions? Medications purchased at a local pharmacy are not covered by MediCare's Part A or Part B and thus not by Supplement Plans. MediCare's Prescription Drug Plan (PDP) provides this coverage. Its Part D and voluntary but a penalty is applied for each month a person did not enroll. A person who had "credible" prescription coverage such as through an employer plan will not have a penalty.

Medicare Advantage (MA) A person pays co-pays or cost sharing when receiving treatment from the companies network of providers   its MediCare's Part C. Some points on MA Plans which are of interest to many:

  • Provide the same coverage as original MediCare plus a full physical each year and often additional benefits. A persons costs are capped by the plan's Maximum Out of Pocket (MOP) provision.
  • Plans are purchased from private companies and availability is based on the County you live in.
  • Each company has a yearly contract with MediCare and is paid a fixed monthly payment for each person who enrolls. Individuals (usually) pay the company a monthly cost, which varies, based on the amount of the plan's cost sharing.
  • Most MA plans include a Part D plan for prescription expenses which makes them a MAPD plan. The MAPD monthly cost for many options is more economical than buying a MediGap plan plus a Part D plan.

A way to lower your Medicare Health Plan cost: Buy the High Deductible Supplement. It's the same as Plan F but has an annual deductible before any medical treatment is paid. ($2,250 for 2018). A persons maximum expense for medical treatment would be less than with a MAPD.

New MediCare ID cards: To protect a person SS number individuals enrolled in MediCare will begin to receive a new ID card in April 2018. The new ID will have 4 unique alpha & numeric characters, a space, 3 more, a space, and 4 more. A picture of the new card is on this site with details on the conversion project. Everyone on MediCare will have a new card by April 2019.

Call my Google Voice # today or send a Text (860) 451-9793 to set up a time (no cost to you) to:

  • Increase understanding on how a Medicare Supplement in Connecticut or a Medicare Advantage in Connecticut will work.

Interested in Dental coverage & you live in CT?

Oral Health is very important. Dental check ups can detect many health risks so they are key to overall health plus fillings, and major services. All ages can enroll in :

  • One plan with up to $1,000 in benefits each year for about $50 a month.
  • A second has up to $2,000 in benefits for about $60 a month.
  • Using one of the many Dentists in the Ameritas network saves up to 30% which means your annual benefit amount goes further. Dependents under 19 have Orthodontic coverage!
  • Want more info on these plans?  Enter your CT zip code, then select Dental in the box below, then who is to be covered, and the date coverage is to start. The next page shows the monthly cost and a link to view coverage Details.
  • Call my Google Voice # today or send a Text (860) 451-9793 if questions about this Dental plan or the optional Vision plan.

Interested in coverage for a short time?

Short Term Medical (STM) plans help pay for unexpected eligible illness or injury treatments.

  • What are they for? coverage for eligible medical situations until able to enroll in a qualified Individual or Employer plan.

Questions on short term plans? Send a note to - John@Parker.agency

 
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