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About Michael Higgins
(Top Expert on this page)

Expertise
All questions pertaining to health insurance, whether group, individual/family, student, child-only, COBRA, HIPAA, Portability, dental. No expert knowledge in areas such as life insurance, disability, workman's compensation, auto, etc.

Experience
27 years as owner of health insurance agency, primarily dealing with Blue Cross Blue Shield of Arizona.

Education/Credentials
College, Business Administration.

   

You are here:  Experts > Money > Personal Insurance > Life & Health Insurance

Questions Answered By Expert  Michael Higgins 
In Category  Life & Health Insurance

SubjectDate Asked

2 health care policies9/26/2008
  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 ...
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 ...
health care bills9/8/2008
  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 ...
Cobra Health Insurance9/8/2008
  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: ...
health care bills9/8/2008
  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 insurance8/30/2008
  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 ...
ERISA8/26/2008
  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 insurance7/30/2008
  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 failer7/24/2008
  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 mom7/9/2008
  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 pregnancy6/29/2008
  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 conditions6/29/2008
  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 ...
APA6/28/2008
  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 ...
APA6/28/2008
  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 ...
Health Insurance6/21/2008
  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 ...
Dental Insurance6/10/2008
  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 Insurance6/4/2008
  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 Insurance3/20/2008
  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 System3/13/2008
  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 cost2/7/2008
  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 rider1/23/2008
  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 Recommendations1/16/2008
  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 insurance12/31/2007
  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 Insurance12/28/2007
  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 insurance12/17/2007
  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 insurance12/17/2007
  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 conditions12/14/2007
  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 ins12/4/2007
  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 ...
cancellation of health11/25/2007
  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 & hippa11/10/2007
  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. ...
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 insurance11/3/2007
  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 ...
health insurance10/16/2007
  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 ...
COBRA10/11/2007
  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 Insurance10/7/2007
  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 ...
Health Insurance Increase10/2/2007
  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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