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Life & Health Insurance/Questions Answered by Expert John (J.R.) McCollough
| Subject | Date Asked |
| Health Insurance | 2/7/2012 |
| Q: My wife's health insurance currently is covered through COBRA, which expires 5/31/12, with no ... A: I'm sorry for the late response. I just got back from a vacation. Check with the local Blue Cross ... | |
| health ins | 9/29/2010 |
| Q: I have Harvard Pilgrim Health Insurance- an HMO plan. I have recently seen several different doctors ... A: It sounds like you current plan may or may not cover that procedure due to it not being recognized ... | |
| Moving to another state | 9/16/2010 |
| Q: I am 27, currently live in Mississippi, have never had health insurance in my adult years, and am ... A: I'm glad to hear you see the value of having a quality health insurance plan. There aren't many ... | |
| Healthcare Insurance | 10/8/2009 |
| Q: I am a 24 year old part time student & I also have a part time job who is about to get kicked off my ... A: Unfortunately, it's a rare thing for me to see somebody with scoliosis being accepted by an ... | |
| maternity | 10/7/2009 |
| Q: I am 27 years old and live in PA. I am an independent contractor so no insurance is offered through ... A: If something sounds good to be true it normally is the truth! Any reputable insurance carrier with ... | |
| taking insurance | 6/4/2009 |
| Q: I am a nutritionist professional. I do counseling one on one with individuals. I currently do not ... A: I don't see how your school has any right in deciding what type of insurance companies you choose to ... | |
| Catastrophic health insurance | 3/6/2009 |
| Q: McCollough, My husband and I currently have no health insurance; I'm 48 years old, he's 52, and we ... A: The decision to purchase health insurance is one where you have to see the value in it. It sounds ... | |
| Individual Health Insurance Questions | 1/7/2009 |
| Q: I am an unmarried 23 year old girl and I live in Oregon. Until the first of this year, I have been ... A: Generally speaking, the decision to have a high deductible health plan rests with your comfort level ... | |
| Maternity coverage | 12/17/2008 |
| Q: Ages 28 and 33 From New Hampshire USA My husband and I currently do not have any type of health ... A: I recommend that you obtain a family health plan with maternity coverage or negotiate with a local ... | |
| Infertility Coverage | 11/25/2008 |
| Q: I am 34 yo, living in Atlanta Goergia. I have BCBS, and have been diagnosed with "unexplained ... A: Your best bet is to find out who are the local experts in IVF and see what it will cost. As far as I ... | |
| Medicare and supplemental insurance plans | 11/19/2008 |
| Q: John, My wife is now 63 and was told since she on disability she can start on medicare this coming ... A: Based upon what you told me I recommend that you contact a local agent to find out what plans are ... | |
| EOB negotiated amount | 11/4/2008 |
| Q: My medical provider is a network provider of Aetna. Recently the provider starts to bill me the ... A: Based upon what you told me I recommend you contact the medical provider and ask him or her why they ... | |
| medical billing dispute | 11/3/2008 |
| Q: I need your advice. We live in Virginia. My, then 16 yr. old, son was in a car accident when ... A: I did not see anywhere that you contacted the health insurance carrier. It sounds like there was a ... | |
| Is pregnancy a pre-existing condition in this case? | 10/21/2008 |
| Q: My husband is a high school band director and has PEEHIP sponsored by Blue Cross Blue Shield of ... A: Congratulations on the addition of a new family member. Your appointment coincides with my birthday, ... | |
| I need health insurance | 10/19/2008 |
| Q: .......I'm a 24 single male living in CT and I'm between jobs. Presently I'm without health ... A: Based on what you told me I recommend that you look into obtaining a short term policy if you're not ... | |
| Health Insurance | 10/15/2008 |
| Q: I live in South Carolina and I am 45 years old. I previously had health insurance. I drive a ... A: Some carriers will accept you and exclude any type of coverage for the condition, while other ... | |
| health insurance for mother | 10/2/2008 |
| Q: Mr. McCollough, My father asked me to look into health insurance options for my mother. They are ... A: I recommend that you visit this site http://www.chip.state.il.us and get your mother some health ... | |
| Health Ins. Form - How 2 Answer | 9/20/2008 |
| Q: 1. 50; 2. VA; 3. Yes, please; 4. I don't think so. I have Anthem BC/BS PPO through my husband's ... A: Most plans have a waiting period for pre-existing conditions, but it all depends upon your specific ... | |
| Health Ins. Form - How 2 Answer | 9/18/2008 |
| Q: 1. 50; 2. VA; 3. Yes, please; 4. I don't think so. I have Anthem BC/BS PPO through my husband's ... A: First and foremost, I encourage you to start keeping copies of your medical records so you can ... | |
| my mother is 77 yrs old | 9/15/2008 |
| Q: I brought my mother with me to Germany when I accepted a job with the us army as a civilian RN. My ... A: I do not know where PR is since I'm not familiar with that acronym. I assume you are talking Puerto ... | |
| infertility & insurance riders | 9/11/2008 |
| Q: Mr. McCollough, I have recently quit my job as a teacher in Utah because we are planning on ... A: I understand your desire to expedite the process in getting a health plan for your family. ... | |
| Health Insurance for Elderly | 9/1/2008 |
| Q: I have a 69 year old mentally handicapped uncle for whom I am (now) legal guardian. Due to his ... A: I'm sorry to hear about your recent experiences. I recommend that you visit this website ... | |
| Lifetime Benefits | 8/27/2008 |
| Q: Is there a big difference between and $2 million and a $5 million health insurance policy? What are ... A: There is a big difference between a $2M and a $5M policy. Some people find it more comfortable ... | |
| LIFE INSURANCE WITH NO BENEFITIARY | 8/25/2008 |
| Q: My brother died in 07 and his wife died in 2004 leaving a three month old son behind. My mother ... A: Who did the agent put down as a beneficiary and did your brother have a will in place? It sounds ... | |
| Health insurance for retiree living abroard | 8/17/2008 |
| Q: A colleague of mine, a 76-yer-old woman, is about to retire to her home country of Jordan (spending ... A: Unfortunately, given the age of your friend, she will have a hard time finding a carrier who will ... | |
| A new job and the company's health insurance | 7/15/2008 |
| Q: I had read a question from Melanie in GA who wrote you about getting health insurance from her new ... A: I do not know if your baby will be covered under the group policy since I have not read the policy ... | |
| Health Insurance | 7/15/2008 |
| Q: McCollough, I am 24 years old, male, good health, living in florida. I have written to you about ... A: Overall, the plan looks good. I give it a B- for benefits and an A- for pricing. The deductible is ... | |
| insurance | 7/13/2008 |
| Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ... A: Yes, the money would go to your beneficiary. As for your second question, as long as the policy is ... | |
| Health Insurance for the Uninsurable | 7/11/2008 |
| Q: Age: 32 Tennessee My husband is self employed but he did finally get insurance just in the past few ... A: Your best bet would be to have your husband obtain a small group plan if he has enough employees and ... | |
| Health Insurance | 7/9/2008 |
| Q: McCollough, I am 24 years old, male, good health, living in florida. I have written to you about ... A: Based on the numbers you have given me I'm assuming that you're contemplating different group ... | |
| LIFE INSURANCE POLICY | 7/9/2008 |
| Q: ANSWER: Hello Carolyn, I'm sorry to hear about your recent dealings and I hope that you find ... A: Based on what you told me I recommend you contact your insurance agent ASAP. This is one of those ... | |
| LIFE INSURANCE POLICY | 7/8/2008 |
| Q: Hello i have a life insurance policy I am a single person with no kids I have had alot finicial ... A: I'm sorry to hear about your recent dealings and I hope that you find suitable employment soon. ... | |
| Leaving COBRA with pre-existing Cancer | 6/26/2008 |
| Q: I have been on COBRA for 2.5 years which is ending as of July 1, 2008. I am self-employed now with ... A: Congratulations on your endeavor to beat cancer. You're probably feeling pretty good about yourself ... | |
| Health Insurance | 6/21/2008 |
| Q: 1. 22F, 28M 2. Colorado 3. Yes 4. Yes Hi, here is my problem. My husband is a business owner, and ... A: The people you have spoken to are misinformed and/or lying to you. Colorado does have a few ... | |
| Life Insurance Owners | 6/5/2008 |
| Q: I am so fortunate to have found this website. My husband and I have two children ages five and two. ... A: What prompted you to make each other the owner of the life insurance policy and who are the ... | |
| Health INS | 6/4/2008 |
| Q: I used to have group health insurance through my job. I have quit my job and my health insurance ... A: Is it a lack of funds or the two pre-existing conditions that hinder you from obtaining an ... | |
| Health Insurance | 6/2/2008 |
| Q: McCollough, I have a question regarding health insurance. But first I would just like to mention ... A: Ricky, You're experiencing the same dilemma that millions of Americans have pondered at some ... | |
| Pre-existing condition and pregnancy | 5/25/2008 |
| Q: I am a 30 year old woman living in Georgia. I am a contract employee and I am not covered under any ... A: Congratulations on the baby. Pregnancy is not typically considered a pre-existing condition per ... | |
| WAEPA | 5/19/2008 |
| Q: My husband is a civil service employee(postal) and the FEGLI life insurance premiums are getting too ... A: I'm sure you’re not alone in the frustration you're feeling right now. I went to the local gas ... | |
| Help with 2 questions | 5/11/2008 |
| Q: I am a 32 year old male with good health. I have a wife 36 and 3 young children. I am looking to ... A: You and your wife are smart to think about incorporating life insurance policies into your ... | |
| Still on ex husband's insurance, worried | 5/5/2008 |
| Q: I'm 34 years old, and being treated for hyperthyroidism/Graves' Disease and Attention Deficit ... A: You are not in the clear if you want your pre-existing conditions covered. It also depends on ... | |
| health insurance | 4/28/2008 |
| Q: How long do the health insurance companies get the break even A: I'm not entirely sure what you mean by breaking even. I will need clarification as to what you ... | |
| private vs. employer provided health insurance | 4/25/2008 |
| Q: I am a 29 yr old male (healthy) with a 29 yr old wife (healthy, but a history of IBS) - both ... A: Congratulations on the new job. I take it you don't have any children just yet judging from the ... | |
| health insurance emergency | 4/17/2008 |
| Q: Age: 21 State: New York I'm really not sure about the rest of the information needed. But here is ... A: I apologize, the website is www.coverageforall.org Is she currently covered under a group or ... | |
| Single male | 3/31/2008 |
| Q: Can a single working never been married male purchase and/or have a life insurance policy? ANSWER: ... A: Being unmarried or married has no impact on a man's ability to purchase life insurance. The man in ... | |
| Health Insurance | 3/31/2008 |
| Q: I am 28 and have a high deductible HSA for my primary insurance but I also have secondary ... A: The secondary insurance carrier is only required to pay their portion per the Certificate of ... | |
| Life Insurace | 3/29/2008 |
| Q: What does it mean on a life insurance beneficiary change sheet where it says "1X pay, 2x pay, etc.) ... A: Without seeing the application it sounds like you're purchasing a group life insurance policy. ... | |
| medical billing dispute | 3/18/2008 |
| Q: When my PCP wanted me to have a colonoscopy, I checked online for gastroenterologists in my area ... A: Let me start off by saying that I'm sorry you have had to experience the effects of balance billing. ... | |
| PREEXISTING TORN ACL | 3/12/2008 |
| Q: MY BROTHER IS 19 YEARS OLD AND HE ATTENDS NORTH CAROLINA WESLEYAN UNIVERSITY. THIS SCHOOL IS IN ... A: Since the current student insurance plan he has only covers accidents during the football season I ... | |
| PREEXISTING TORN ACL | 2/26/2008 |
| Q: MY BROTHER IS 19 YEARS OLD AND HE ATTENDS NORTH CAROLINA WESLEYAN UNIVERSITY. THIS SCHOOL IS IN ... A: Is your brother covered under a student plan, family plan or some other type of plan? What carrier ... | |
| Responsibility for a medical bill when on my father's health insurance | 2/5/2008 |
| Q: I was living with my father in Missouri when I was 18 yrs old and in Jan of 2007, he took me to the ... A: Did you have insurance when you lived with your father and were you on his plan or your own? If you ... | |
Life & Health Insurance
Answers by Expert:
John (J.R.) McCollough
Top Expert on this page
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.
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