| Subject | Date Asked |
|
| Have to choose HSA or PPO Today!!! | 11/11/2009 |
Q: What is the name of your state (only U.S. law)? Illinois My husband's company is taking the HMO ...
A: Here is a link that will be very helpful, a comparison between HSA's, HRA's, and Flex plans. ...
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| Have to choose HSA or PPO Today!!! | 11/11/2009 |
Q: What is the name of your state (only U.S. law)? Illinois My husband's company is taking the HMO ...
A: Trina: In my opinion there is no better plan than an HSA. I have one with Blue Cross of Arizona and ...
|
| Client | 11/11/2009 |
Q: I have client, female, age 60, good health who is retiring. The company she works for has 20 ...
A: David: The employer is saying that your client has the right to go on COBRA, but the company does ...
|
| Hep C | 11/9/2009 |
Q: I have a question. I was exposed to the hepatitis c virus.(I found that out 6 years ago). I test ...
A: Not all insurance companies deal with the MIB. As an example, Blue Cross of Az. does not, relying ...
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| insurance for a family member | 11/4/2009 |
Q: i would like to get cover for my mother who is 71. she is an amputee and needs 24hr care. her ...
A: Mrs. Mills: If your mother is enrolled in parts A %26 B Medicare the best thing to do is purchase a ...
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| COBRA and Medicaid | 10/27/2009 |
Q: My husband recently lost his job and we have elected to continue our medical insurance through ...
A: You would lose COBRA once on Medicaid. The question is why would you want both? If you get on ...
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| Medicaid question | 9/22/2009 |
Q: I live in Orlando, FL and am the victim of domestic abuse. I have recovered and am now divorced, ...
A: On www.Bing.com search, "Florida medicaid." The link I tried to send you yesterday should be the ...
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| Medicaid question | 9/22/2009 |
Q: I live in Orlando, FL and am the victim of domestic abuse. I have recovered and am now divorced, ...
A: Here is a link that will be very helpful, http://www.dcf.state.fl.us/ess/medicaid.shtml. Please note ...
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| Medical claims are not being submitted for payment | 9/22/2009 |
Q: The billing clerk (outsourced) for my rheumatologist continually submits incorrect claims to my ...
A: Your state may have different laws and protections for the insurance purchaser, but my educated ...
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| Health Insurance | 9/11/2009 |
Q: My husband and I are currently enrolled in my health insurance plan through my workplace (I work for ...
A: Michelle: Each state has different mandates, i.e., requirements that insurance companies doing ...
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| Catatstophic Major Medical Insurance | 9/5/2009 |
Q: I am covered by a comprehensive medical plan through my employer(it is PPO with copay for visits and ...
A: The main benefit to spending six dollars a month would be the disability coverage, not the medical. ...
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| Catatstophic Major Medical Insurance | 9/5/2009 |
Q: I am covered by a comprehensive medical plan through my employer(it is PPO with copay for visits and ...
A: You are both young and healthy, and I would never spend $200 a month to cover possible ...
|
| health coverage | 8/25/2009 |
Q: I'm in quite a conundrum. I'm in my early 20s (single and no dependents) and am no longer covered by ...
A: Andrea: Was your last day of coverage on your parents policy within the last 63 days? Have you ...
|
| Deductible | 8/22/2009 |
Q: Next year my wife and I want to immigrate to Florida United States. We are now citizens of The ...
A: Frans: You may send your questions directly to me at info@higginscompanies.com. Whether in the ...
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| Deductible | 8/21/2009 |
Q: Next year my wife and I want to immigrate to Florida United States. We are now citizens of The ...
A: Frans: You have posed an excellent question, and one that many Americans do not know the answer to. ...
|
| Cobra coverage and new baby | 7/2/2009 |
Q: I am due with my third baby in September and I am losing my job in August but I have our families ...
A: The newborn is covered the minute he or she is born. (Congratulations by the way!) You may need to ...
|
| Cobra | 7/2/2009 |
Q: My son's wife lost her job of 12 years as a manager at hard rock cafe in myrtle beach. She applied ...
A: My first question would be why your daughter stopped payment on the checks? Understanding that the ...
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| Health Insurance | 6/20/2009 |
Q: I have been offered a job with a small company as a sales representative. The company offers a ...
A: David: The benefit of being on a group plan is that pre-existing conditions will likely be covered ...
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| pregnancy question | 5/28/2009 |
Q: Mr. Higgins, I lost my job at a company I had worked for for six years. I had family health ...
A: Robert: Firstly, double check my answer with your new employer's HR department or the new insurance ...
|
| Medical Bill | 5/23/2009 |
Q: Please be advised and for the record I am disputing a claim with Great Neck Stand-up MRI in the ...
A: You have proven, through the words that you have written, an understanding that the first rule in a ...
|
| Group Insurance though Employer | 5/21/2009 |
Q: My company has health care, I became eligible to be covered two months ago, and it was stated at no ...
A: Christina: The bad news first: The reality is that if you do not continue with the insurance it is ...
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| Group Insurance though Employer | 5/21/2009 |
Q: My company has health care, I became eligible to be covered two months ago, and it was stated at no ...
A: I can hear the frustration in your words and I do empathize. For clarification, did you ever enroll ...
|
| Is it Fraud | 5/18/2009 |
Q: My boss was divorced at the end of last year, he has continued to carry his ex-wife on his health ...
A: Carrie: It depends on whether it's a group plan or individual/family plan. On a group plan a ...
|
| Insurance basics | 5/17/2009 |
Q: i am 19 yrs old ad I am new to the word insurance Because i am going to US and there with out Health ...
A: Young males such as yourself are the least expensive to insure. The cost of health insurance for you ...
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| Depression as a pre-existing condition | 5/14/2009 |
Q: How do health insurance companies define depression as a pre-existing condition? Does taking ...
A: Carrie: You have absolutely nothing to worry about. The treatment you are receiving is very common, ...
|
| Depression as a pre-existing condition | 5/14/2009 |
Q: How do health insurance companies define depression as a pre-existing condition? Does taking ...
A: It is a pre-existing condition if you have sought advice or seen a medical provider for a condition. ...
|
| Hospital Indemnity Insurance | 5/13/2009 |
Q: My husband recently started work at a company that offers only one insurance plan (Cigna POS) that ...
A: Jessica: The premium that your family is paying changes everything. There is no need to look at ...
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| Hospital Indemnity Insurance | 5/13/2009 |
Q: My husband recently started work at a company that offers only one insurance plan (Cigna POS) that ...
A: It will be easier for me to explain why spending $43 a month on a $1500 benefit isn't too great a ...
|
| Hospital Indemnity Insurance | 5/1/2009 |
Q: My husband recently started work at a company that offers only one insurance plan (Cigna POS) that ...
A: I do not know of any product available to you and your husband to cover the $3000, etc. That said, I ...
|
| Divorce | 4/30/2009 |
Q: Im getting ready to file divorce papers, my husband has all of us (me, our son & my daughter from a ...
A: You and your children have the right to stay on your current group health insurance plan for up to ...
|
| Group vs. Private vs. Medicaid vs. Cobra | 4/17/2009 |
Q: Good evening from Texas. My question is kind of long, sorry. Currently my husband is employed with ...
A: Allow me to start by listing the best solution first, and answering your other concerns afterward. ...
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| Cobra | 4/12/2009 |
Q: I have Blue cross of PA personal choice coverage. My college age child is taking a leave of absence ...
A: Your son has a couple of options. One, as mentioned previously, is to ask BCBS if he can convert to ...
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| Cobra | 4/12/2009 |
Q: I have Blue cross of PA personal choice coverage. My college age child is taking a leave of absence ...
A: Is your coverage on a group plan or an individual/family plan you purchased? Does your son have ...
|
| Cobra coverage | 4/8/2009 |
Q: and thanks in advance for answering this pressing question. Sorry the "back story" is so long: My ...
A: The easiest, and best way to get the answer you need is to simply ask the new group health insurance ...
|
| Student health insurance | 4/4/2009 |
Q: Next year I will not be claiming my son as a dependent; he is a student, and my health insurance ...
A: Assuming your son is healthy, he can simply apply for an individual plan through a local insurer. I ...
|
| Daughters' preexisting condition | 4/1/2009 |
Q: My college daughter who is 21 yrs. old had kidney stones and a kidney disease last year. She will ...
A: The first thing to do is ask your current insurance company if they will transfer your daughter to ...
|
| college grad-individual insurance options | 3/27/2009 |
Q: I just graduated from college and will be kicked off my parents' health insurance in 4 days. As I'm ...
A: The short answer is: Yes, the HSA is best. You are able to pay for all medical services, including ...
|
| pre-existing conditions | 3/20/2009 |
Q: I LIFE IN CALIFORNIA AND HAD BEEN UNINSURED FOR A 15 MONTH GAP. I COULDN'T GET PERSONAL INSURANCE ...
A: Not all cancers are considered the same disease, but the underwriting is usually the same for all ...
|
| pre-existing conditions | 3/20/2009 |
Q: I LIFE IN CALIFORNIA AND HAD BEEN UNINSURED FOR A 15 MONTH GAP. I COULDN'T GET PERSONAL INSURANCE ...
A: It is the definition of,"pre-existing condition," that the insurance company abides by that is the ...
|
| Divorce, Pre-Existing Condition, a mess | 3/18/2009 |
Q: Hope you can help. Live in Pennsylvania, 49 years old, unemployed (was downsized several years ago ...
A: Jim: Under COBRA, participants, covered spouses and dependent children may continue their plan ...
|
| Catastrophic health insurance (asset protection) | 3/9/2009 |
Q: Higgins, My husband and I currently have no health insurance; I'm 48 years old, he's 52, we live in ...
A: There is a common misconception that group health insurance is less expensive than individual plans. ...
|
| Health Insurance Pre-Existing Conditions | 2/26/2009 |
Q: We are looking for individual health coverage for my wife and I. I have been on my wife's Cal-Cobra ...
A: Portability, (a.k.a HIPAA,) is the most likely option. Possibly you own a business and can get ...
|
| non-smoker health premiums | 2/25/2009 |
Q: Our company is shopping for health insurance. Do you know of any insurers who offer lower health ...
A: Bill: It is likely that most insurance companies you receive a quote from will ask about tobacco ...
|
| non-smoker health premiums | 2/24/2009 |
Q: Our company is shopping for health insurance. Do you know of any insurers who offer lower health ...
A: Bill: It will depend on what state you reside in. As an example, some of the Blue Cross companies ...
|
| 25 year old | 2/16/2009 |
Q: My daughter just turned 25 and has had health insurance for her whole life with my company's policy. ...
A: I assume your company group policy is not with Blue Cross of Texas, is this correct? . If your ...
|
| Individual health insurance, with pre-existing conditions | 2/11/2009 |
Q: Oh boy, i'm in a quandry and have to make a decision FAST! In short, I was on group insurance but ...
A: Heidi: As crazy as this sounds, $500 a month is a good price. You will be out of luck if you don't ...
|
| Individual health insurance, with pre-existing conditions | 2/11/2009 |
Q: Oh boy, i'm in a quandry and have to make a decision FAST! In short, I was on group insurance but ...
A: What state do you live in? I would apply for the HIPAA, (Portability, asap.) In Arizona it is 63 ...
|
| health insurance | 2/8/2009 |
Q: My second question. I found a really cheap, and very limited health insurance. But this is just in ...
A: Debbie: The negotiated rates for care vary quite a bit between insurance companies. If I'm with an ...
|
| COBRA and Stimulus | 1/29/2009 |
Q: Mike, I noticed in yesterday's (1/28/09) House bill for the President's stimulus package, that in ...
A: David: If passed, my understanding is that the federal gov't would subsidize 65% of the COBRA ...
|
| Dental. | 1/29/2009 |
Q: I'm in college and about to graduate with a Bachelor's in BSED (In December). I say this because I ...
A: http://www.bcbsga.com/wps/portal/chpmemberbcbsga?content_path=agent/noapplication/plansbenefits/nose ...
|
| Dental. | 1/28/2009 |
Q: I'm in college and about to graduate with a Bachelor's in BSED (In December). I say this because I ...
A: Tegan: The reality is that there really is no dental insurance plan that will pay for much of the ...
|
| COBRA vs ??? | 1/21/2009 |
Q: Mike, Everyone knows how expensive COBRA insurance can be on a monthly basis (family plan $1,000+). ...
A: David: COBRA can be expensive, but not always. It is important to remember that COBRA coverage can ...
|
| Invidivual or employer insurance | 1/15/2009 |
Q: My son has just accepted a new job in Ca. He has been told he can either go with a policy thru the ...
A: Karen: If your son has no pre-existing conditions that must be covered, I would strongly recommend ...
|
| cancer | 1/8/2009 |
Q: my wife and i recently picked up a cancer policy but afgter researching a bit on the internet, i ...
A: Mike: Please keep in mind that you have asked for my opinion, and you will receive just that, my ...
|
| Maternity coverage | 12/17/2008 |
Q: My husband and I currently do not have any type of health insurance. I am between jobs and his job ...
A: Kristy: In Arizona, (and likely applies in your state,) it is recommended that those having a baby ...
|
| Coverage? | 11/19/2008 |
Q: I am a senior in college and am planning on getting married. I am under my parents health coverage, ...
A: Firstly, congratulations on the upcoming wedding. Secondly, each state has different laws and ...
|
| health insurance for young man 24 | 11/13/2008 |
Q: I am looking for a reasonable health insurance plan for a 24 year old young man who works at a fast ...
A: Connie: Here is the link to the Blue Cross HSA plan named, "Blue Edge," in Illinois. ...
|
| Cash opt-out of Group Medical Insurance Plan | 11/11/2008 |
Q: if an employee voluntarily opts-out of his/her group medical insurance plan and receives cash in ...
A: And thank you for being of service to our country as a proud Marine. I've lived in the same home ...
|
| employer provided insurance | 10/21/2008 |
Q: I was hired by my employer on March 19 of 2007. I was told that in 90 days my insurance would be ...
A: Carrie: You need legal representation. I am not an attorney. A good start will be to find a ...
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| employer provided insurance | 10/21/2008 |
Q: I was hired by my employer on March 19 of 2007. I was told that in 90 days my insurance would be ...
A: Carrie: I have a few questions for you. Why did your insurance go into effect in March of 2008 ...
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| Medicare Supplemental Coverage | 10/19/2008 |
Q: My husband and I are relatively new to Medicare, being 65 and 66 respectively. Since July 1, 2007, I ...
A: Karen: What city/state do you reside? Licensed in Arizona, this will be an educated guess until I ...
|
| Coverage for my 24 year old | 10/19/2008 |
Q: .......Our health insurance coverage covers my kids up until they are 26 if we claim them as ...
A: James: It is usually required that a dependent be a full-time student up to a certain age, 24-26 ...
|
| HEALTH INSURANCE AFTER HEART ATTACK | 10/7/2008 |
Q: IM A MALE 45 YEARS I HAVE A HEART ATTACK 3 YEARS AGO I HAVE A INSURNACE WITH PREFERRED MEDICAL PLAN ...
A: Juan: Try this Florida program for those seeking assistance with prescriptions. Information is ...
|
| 2 health care policies | 9/26/2008 |
Q: I have an insurance policy with Aetna that covers both my wife and I. It costs a little over $300 a ...
A: Allen: Your question is tough to answer without knowing a few things. Will Mobil keep you on their ...
|
| Primary insurance, Bill to? | 9/8/2008 |
Q: I have insurance for my stepson and supposedly does his mother. My step son resides with his mother ...
A: Brooke: Whatever billing address was given to the doctor's office when the child had his first ...
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| Primary insurance, Bill to? | 9/8/2008 |
Q: I have insurance for my stepson and supposedly does his mother. My step son resides with his mother ...
A: This is a legal question. My guess would be that because your husband has a court order requiring ...
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| health care bills | 9/8/2008 |
Q: I have my family insured through my employer. If they incur any health expenses that are not ...
A: Your question relates more to a legal situation really, rather than a health insurance inquiry. That ...
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| Cobra Health Insurance | 9/8/2008 |
Q: For 6 months I have been paying $336 per month for Cobra health insurance for my minor son. When I ...
A: Chuck: Here is a paragraph from the Department of Labor website: ...
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| health care bills | 9/8/2008 |
Q: I have my family insured through my employer. If they incur any health expenses that are not ...
A: The patient is billed, not your employer. If your step daughter is not a legal adult, her legal ...
|
| Live outside US, need US health insurance | 8/30/2008 |
Q: a German company. I am an American citizen and travel to the US very often. What I need is US ...
A: Assuming you have looked into purchasing travelers insurance while in the U.S.A., your other option ...
|
| ERISA | 8/26/2008 |
Q: I am aware a consumer can file a complaint against an insurance company with the state department of ...
A: Fernando: My recommendation would be to request reconsideration of the claim directly with the ...
|
| health insurance | 7/30/2008 |
Q: Mr. Higgins, My 29 yr. old daughter is a college senior, and has no health coverage. She works ...
A: Your daughter has pre-existing conditions and no health insurance to help offset the cost of ...
|
| chronic kidney failer | 7/24/2008 |
Q: I am 30 years old and I currently have a group health plan through my employer in Arizona. I have ...
A: Christopher: If your current employer has 20 or more employees on the group plan COBRA will be ...
|
| Health Insurance for my 60-yr old mom | 7/9/2008 |
Q: My Mom is 60 years old. She had a triple-bypass surgery 4 years ago and is on heart medications. She ...
A: Tina: Each state has different programs offered to those that are uninsurable on an individual ...
|
| Cobra and pregnancy | 6/29/2008 |
Q: I currently have health assurance thru my employer but would like to leave my job and become self ...
A: This is a question for the human resources person at your school, whether COBRA is available to you ...
|
| Pre exisiting conditions | 6/29/2008 |
Q: I'm thinking of changing jobs and I just found out I have cancer. I'm 25. I've been told that under ...
A: It is very likely that you will be covered from day one, including the pre-existing condition. Each ...
|
| APA | 6/28/2008 |
Q: my question is in regards to mental health coverage. I am 19-years-old and want to see a ...
A: I think that calling the insurance company is fine, but you will need the policy number to find out ...
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| APA | 6/28/2008 |
Q: my question is in regards to mental health coverage. I am 19-years-old and want to see a ...
A: Your parents do not have the ability to know about your claims history unless you signed a ...
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| Health Insurance | 6/21/2008 |
Q: here is my problem. My husband is a business owner, and we pay out of pocket for individual health ...
A: As a broker in Arizona, I'm not too familiar with the plans in Colorado. I did look over the plans ...
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| Dental Insurance | 6/10/2008 |
Q: I currently have medical and dental insurance (BCBS) through my employer but the dental is quite ...
A: Craig: All dental insurance plans offer minimal coverage, and are expensive, in my opinion. With ...
|
| Health Insurance | 6/4/2008 |
Q: I used to have group health insurance through my job. I have quit my job and my health insurance ...
A: My answer will be based on Arizona insurance laws and underwriting practices, but hopefully will ...
|
| Health Insurance | 3/20/2008 |
Q: I am considering getting personal health insurance for my family instead of through my employer. Am ...
A: Each state has their own laws, but generally speaking, no, you are at no more risk of being canceled ...
|
| Is pregnancy consider a pre-existing condition in Nevada? | 3/19/2008 |
Q: Michael: I am considering taking a job offer with AAA and they have United HealthCare as their ...
A: It will be best to check with your new employers Human Resources representative to be sure the birth ...
|
| Billing System | 3/13/2008 |
Q: My Doctor's "billing" company has not submitted a bill to my State Medical Insurance Company or to ...
A: It is your responsibility to pay any medical bills, whether you have insurance or not. Most ...
|
| health insurance cost | 2/7/2008 |
Q: blue cross blue shield insurnce raised my rate to 100.00 a day. is there a limit an insurance ...
A: Thomas: It is hard to imagine that an insuror is charging you $3000 a month for individual health ...
|
| BCBS Tennessee rider | 1/23/2008 |
Q: I have BCBS health insurance. I have a rider which I understand, if I have to have something done ...
A: The hospital is correct, unfortunately. A rider excludes coverage for a certain condition, and you ...
|
| Insurance Recommendations | 1/16/2008 |
Q: I'm a 26 year old single male in Pennsylvania looking into getting health insurance for the first ...
A: Steve: It is likely that your current treatment will be a pre-existing condition. I think the best ...
|
| pregnancy as pre-existing condition? | 1/15/2008 |
Q: I am coming from India to Cincinnati,OH on L1-A work visa to work with GE Aviation. My employer has ...
A: Generally speaking, maternity is not considered a pre-existing condition. I cannot imagine any ...
|
| Health insurance | 12/31/2007 |
Q: We have an adult child on our medical insurance. Are we financially responsible for her uncovered ...
A: The contract is between your husband and the insuror. Your husband is financially responsible for ...
|
| COBRA Insurance | 12/28/2007 |
Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ...
A: Your wife may stay on COBRA for up to 18 months. The statement you refer to on the COBRA letter ...
|
| Cobra insurance | 12/17/2007 |
Q: Mr. Higgins,My wife was diagnosed with a cancerous brain tumor in November 2006.The company she ...
A: Most likely, yes, assuming your work offers group insurance for it's employees. There will be an ...
|
| Cobra insurance | 12/17/2007 |
Q: Mr. Higgins,My wife was diagnosed with a cancerous brain tumor in November 2006.The company she ...
A: Mr. Putnam: Once COBRA has been exhausted, your wife will qualify for Portability individual ...
|
| differential diagnosis & pre-existing conditions | 12/14/2007 |
Q: On three or four occassions over the past 4 years I saw two different GP's for treatment of mild ...
A: Rick: You are right to suspect that the claims will be denied. At this point I would supply the ...
|
| health ins | 12/4/2007 |
Q: I currently have Anthem-Matthew Thorton Blue through the company that I work for. I've been at the ...
A: Each state has different laws regarding underwriting, especially regarding individual/family ...
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| cancellation of health | 11/25/2007 |
Q: my wife and i have two small children. ive been paying out of pocket for the last five years for our ...
A: Eric: I've spoken with Aetna this morning and have been told that it is possible for you to cancel ...
|
| obtaining high deduct health insurance & hippa | 11/10/2007 |
Q: My wife and I recently semi-retired and opted for a less stress life. We are both 50 and before we ...
A: Many insurors use the MIB, (Medical Insurance Bureau,) to verify the health history of applicants. ...
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| Cancer Ins. | 11/4/2007 |
Q: My elderly mother pays over $200.00 a month for cancer insurance, which she does not need. She has ...
A: Agreeing that it is likely that your mother does not need a separate policy to cover cancer, as this ...
|
| High deductible health insurance | 11/3/2007 |
Q: I am a very healthy, well to do 56 year old unemployed man paying about $250 a month for health ...
A: Woodrow: Blue Cross Blue Shield of Arizona offers a $10,000 deductible plan. In your age bracket the ...
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| health insurance | 10/16/2007 |
Q: I AM RECENTLY MARRIED AND WE WANT TO START A FAMILY(HAVE A BABY). I AM A HAIRSTYLIST AND MY HUSBAND ...
A: Ms. Wood: In Arizona most individual PPO plans do not cover maternity, only complications of ...
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| COBRA | 10/11/2007 |
Q: We have been paying COBRA payments to my husband's former employer, as instructed. Recently, our ...
A: This is more a legal question than an insurance question, unfortunately. My educated guess is that ...
|
| Health Insurance | 10/7/2007 |
Q: I will turn 23 this month, and I will no longer be covered under my parent's health insurance. I was ...
A: Simply visit the online local Blue Cross Blue Shield in your state. The higher the deductible ...
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| Health Insurance Increase | 10/2/2007 |
Q: I work for Walgreens in Fla. My insurance is Uniter Health. I was informed as a smoker my premium ...
A: The legality of this underwriting practice is for an attorney. Though your question refers to group ...
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