AboutJohn (J.R.) McCollough Expertise I can answer questions pertaining to Health and Medicare insurance for individual and/or family coverage, students, retired/separated military members, small businesses under 20 employees and seniors in the United States.
Additionally, I can assist people in understanding their options if they've been turned down for insurance and do not know about what state and federal programs are available.
Experience I am the owner of a national agency that only attracts agents of the highest caliber to consult in Health, Life and Medicare insurance products. We emphasize a client-centered approach to the way we conduct business and can provide objective input to help you make an informed decision.
Organizations I belong to a variety of professional, consumer and military organizations. Please feel free to contact me if you're interested in a particular organization.
Past/Present Clients I don't divulge information about my clients on the internet due to respect for protecting information. Anybody is more than welcome to contact me if they wish to receive a list of past and current clients in their respective area whom have authorized my agents and/or I to release information.
Question Hi. I am a 24 year old part time student & I also have a part time job who is about to get kicked off my parents Aetna HMO healthcare policy supposeably because I have reached the maximum age for coverage. I'm really concerned, I need to have insurance because I get migraines and have a back condition called scoliosis which cause me to have back pain. Is there some way that I can manage to stay on my parents policy? Or maybe branch off of my parents policy so that my dad would pay about the same rate for the same type of insurance coverage that I have under him?
Answer Hi Samantha,
Unfortunately, it's a rare thing for me to see somebody with scoliosis being accepted by an insurance carrier. Since you did not indicate what state you reside in it makes a difficult for me to point you in the right direction. At this point, I recommend you contact your state's Department of Insurance to find out if they have a risk pool plan that you can join.
I'm sorry I cannot offer you more information, but each state has different programs available and I don't think it's prudent to have you read a 50 page summary of such programs. Another option would be to see if you can get a group plan if it's offered at your work.
