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John (J.R.) McCollough


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 in the area

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.


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.

What do you like about this subject?

The opportunity to help protect people from financial hardship combined with the ability to ensure that my clients receive the best care possible from the highest rated carriers.

What do you still hope to achieve/learn in this field?

My long term goal is to revolutionize the health care and health insurance industry by helping to alleviate some of the frustration felt by consumers and insurance agents about the lack of price transparency in the United States. What worked in the 1960's-1990's is no longer feasible and things need to change.

Something interesting about this subject that others may not know:

The history of insurance can be traced back all the way to the Roman period. At the time, membership into burial clubs provided burial expenses for deceased members, as well as annuity payments to the beneficiaries.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Min10/12/13101010thank you very much, quick reply and .....
Trisha02/16/13101010Thank you so much for answering my .....
Lee12/09/12101010Thanks for all the info and advice!

Recent Answers from John (J.R.) McCollough

2013-08-02 Short-Term Insurance:

Hi Sean,      You have a good grasp on how the out of pocket maximum works. That $1,000 equals the 20% you pay once the deductible has been met. Most plans no longer have a lifetime maximum, per Obamacare

2013-06-20 HSA and VA benefits:

You need to find out what it would cost if you were the only one left on the policy. My guess is you might save 30%-40% of your premium, but your insurance carrier will be able to tell you the exact amount

2013-06-20 HSA and VA benefits:

Hi Wendy,      Unfortunately there isn't a lot of competition in your state, so your options are quite limited at this juncture until Obamacare starts 1/1/2013. In the interim, depending on the health

2012-12-05 HSA's:

Hi Lee,     Generally speaking, HSA's are better because they have lower out of pocket expenses versus traditional copay plans. They do have some tax benefits that are nice, but if an individual does not

2012-10-18 surgery center fees:

Hi Adele,      I'm not sure what you mean by your insurance only covering $1800. On most major medical policies you are responsible for paying the deductible and then co-insurance kicks in and you split


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