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 I am 27 years old and live in PA. I am an independent contractor so no insurance is offered through my employer. I have insurance through my husband but it does not offer maternity coverage. I am 5 weeks pregnant. An insurance broker has told me that I will not be able to get insurance to cover this pregnancy. I have spoke with Alliance Health Advisors about a health savings plan as an addition to my insurance. They stated that for $80/month, they will cover 60% of unlimited dr. visits and at least 74% of hospital stays and I will be able to cancel the policy at the end of the pregnancy with no additional fees. This seems too good to be true. Is this a sensible choice in my situation? Are there other alternatives? I would most likely not qualify for programs based on financial needs.
Answer Hi Christie,
If something sounds good to be true it normally is the truth! Any reputable insurance carrier with a history of paying claims would not accept you as a member until your baby was born. A typical pregnancy can cost anywhere from $5000-$15000 if there are no complications, so how a company can make a profit from a mere $80 p/month is beyond me. You may not quality for programs based on your income, but I would encourage you to apply for Medicaid and any other local programs available through your local Health and Human Services Department.
