Michael Higgins - Life & Health Insurance - Personal Insurance - Money

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Expert Profile: Michael Higgins

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

Education/Credentials
College, Business Administration.

Ask a Question	View Past Answers	View Ratings

What do you still hope to achieve/learn in this field? The hope is to grow my online presence with the website http://www.higginscompanies.com/

Something interesting about this subject that others may not know: It is a common misconception that group health insurance is less expensive than individual or family health insurance plans. The reality is that group plans are nearly twice the cost.

Average Ratings
Prestige Points: 760
Knowledge	9.96 Best of the best
Clarity of Response	10.0 Best of the best
Timeliness	10.0 Best of the best
Politeness	9.91 Best of the best
Number Of Questions (in Past 24 Hours)		1
Max Questions to be Asked (in 24 Hour period)		5
Total Questions (since joining AllExperts)		82

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	08/05/08
10	10	10	10	07/30/08
10	10	10	10	07/24/08
10	10	10	10	07/25/08
10	10	10	10	07/15/08

User Comments

Thanks much.
(J on 08/05/08)

Mr. Higgins, I can't believe I was able to contact such a professional and insightful expert as yourself through a free web service! Your response to
(nanci fleischer on 07/30/08)

Thank you Michael, your answer was very helpfull.
(christopher moller on 07/25/08)

Thank you for your help.
(Estella on 07/15/08)

View All Comments

Ask a Question	View Past Answers	View Ratings

Recent Answers from Michael Higgins

2008-08-26 ERISA: Fernando: My recommendation would be to request reconsideration of the claim directly with the insurance company first. Often claims can be settled through this process. Obtain documentation from the...

2008-07-30 health insurance: Hello Nanci: Your daughter has pre-existing conditions and no health insurance to help offset the cost of treatment. The possibility exists that she may obtain coverage through Medicaid if she applies...

2008-07-24 chronic kidney failer: Christopher: If your current employer has 20 or more employees on the group plan COBRA will be offered to you if you leave the company. If less than 20 employees you would go directly to a Portability...

2008-07-09 Health Insurance for my 60-yr old mom: Tina: Each state has different programs offered to those that are uninsurable on an individual basis. Insurance through your state sponsored program is probably the best alternative, but I would contact...

2008-06-29 Cobra and pregnancy: Hi Amanda: This is a question for the human resources person at your school, whether COBRA is available to you if you decide to end your employment there. I would assume that it is available to you...

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