John (J.R.) McCollough - Life & Health Insurance - Personal Insurance - Money

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Expert Profile: John (J.R.) McCollough

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 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.

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.

Ask a Question	View Past Answers	View Ratings

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.

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.

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.

Average Ratings
Prestige Points: 980
Knowledge	9.93 Best of the best
Clarity of Response	9.83 Best of the best
Timeliness	9.93 Best of the best
Politeness	10.0 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		3
Total Questions (since joining AllExperts)		63

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	09/23/08
10	10	10	10	09/21/08
10	10	10	10	09/12/08
10	10	10	10	09/10/08
10	9	8	10	09/07/08

User Comments

Thank you John, for your great reply and professional assistance! I appreciate your time and thought. Best..Mike E.
(Mike on 09/23/08)

Thank you very much for your prompt and thorough answer. It has confirmed what I feared all along... we will just have to elect COBRA, and find a way
(Harmony on 09/12/08)

Thanks so much for such a thorough answer; lots to think about! Thanks again, John.
(Tina on 09/07/08)

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Ask a Question	View Past Answers	View Ratings

Recent Answers from John (J.R.) McCollough

2008-10-02 health insurance for mother: Hi Cheri, I recommend that you visit this site http://www.chip.state.il.us and get your mother some health insurance before something catastrophic happens. I'm 100% confident that she would not be...

2008-09-20 Health Ins. Form - How 2 Answer: Hi Patricia, Most plans have a waiting period for pre-existing conditions, but it all depends upon your specific plan. I would obtain a copy of your plan to determine if there are any pre-existing...

2008-09-18 Health Ins. Form - How 2 Answer: Hi Patricia, First and foremost, I encourage you to start keeping copies of your medical records so you can avoid situations like this and to help you in the future should you forget the specifics...

2008-09-15 my mother is 77 yrs old: Hi Milagos, I do not know where PR is since I'm not familiar with that acronym. I assume you are talking Puerto Rico given your name. I'm unsure about what options you have there given the fact that...

2008-09-11 infertility & insurance riders: Hi Harmony, I understand your desire to expedite the process in getting a health plan for your family. Unfortunately, as you have found out the hard way, some insurance carriers are more selective...

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