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Life & Health Insurance/Expert Profile

Michael Higgins

U.S.

Available

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.

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

Recent Reviews from Users

User	Date	K	C	T	P	Comments
Trina	11/11/09	10	10	10	10	Thank you! Guess I should be grateful .....
Ed	11/11/09	10	10	10	10
Dianne	09/23/09	10	10	10	10
Kim	09/06/09	10	10	10	10	Dear Mike, Thank you very much for .....
judy	07/25/09	10	10	10	10	Michael thank you again so very much .....

Recent Answers from Michael Higgins

2009-11-11 Have to choose HSA or PPO Today!!!:

Hi Trina: Here is a link that will be very helpful, a comparison between HSA's, HRA's, and Flex plans. http://www.utea.org/educatorResources/healthInsurance/pdfs/FlexHRA%26HSAComparis I still

2009-11-11 Have to choose HSA or PPO Today!!!:

Trina: In my opinion there is no better plan than an HSA. I have one with Blue Cross of Arizona and have a $5500 deductible, 100% coverage thereafter. All medical expenses up to the deductible are tax-free

2009-11-11 Client:

David: The employer is saying that your client has the right to go on COBRA, but the company does not offer group coverage for retirees after COBRA expires. You are correct, an individual plan is the

2009-11-09 Hep C:

Hello Ed: Not all insurance companies deal with the MIB. As an example, Blue Cross of Az. does not, relying upon their own massive data base instead. Possibly the BCBS in your state does not use the

2009-11-04 insurance for a family member:

Mrs. Mills: If your mother is enrolled in parts A %26 B Medicare the best thing to do is purchase a supplement plan. My recommendation is a Plan F. The Blue Cross Blue Shield in your state will offer

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