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Life & Health Insurance/Michael Higgins
All Reviews from Users
Column Headings: K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness
N = Nominated for Expert of the Month
| Date | User | K | C | T | P | N | Comments |
|---|---|---|---|---|---|---|---|
| 2009-11-11 | Trina | 10 | 10 | 10 | 10 | No | Thank you! Guess I should be grateful at least we have options. But so frustrating! I think we are going to do the HRA this first year and watch where our spending goes. We are clueless on what actual costs are. Thank again!!! |
| 2009-11-11 | Ed | 10 | 10 | 10 | 10 | Yes | |
| 2009-09-23 | Dianne | 10 | 10 | 10 | 10 | No | |
| 2009-09-06 | Kim | 10 | 10 | 10 | 10 | Yes | Dear Mike, Thank you very much for your help. Kim |
| 2009-07-25 | judy | 10 | 10 | 10 | 10 | Yes | Michael thank you again so very much for your sincerity, kindness, time, and knowledge. Not only are your answers thorough and clear, but also your attitude of helping is wonderful. YOU CARE ABOUT PEOPLE. I cannot thank you enough. |
| 2009-07-25 | judy | 10 | 10 | 10 | 10 | Yes | THANK YOU SO VERY MUCH MIKE. Your answer is very clear and all makes sense. I will do what you suggested. Great info |
| 2009-07-04 | Holly | 10 | 10 | 10 | 10 | No | Thank you so much and it definitely takes some of the stress out of the equation. We are really excited about the new baby and looking forward to the future. |
| 2009-06-20 | David Sullivan | 10 | 10 | 10 | 10 | Yes | Michael was fast and answered exactly what I needed to know. |
| 2009-05-21 | Christina | 10 | 10 | 10 | 10 | Yes | Thank you Michael, you have given me the inspiration to go on, and somehow find the payment, which is better than dying at the end of the day, thank you so much for your advice Christina |
| 2009-05-14 | Carrie | 10 | 10 | 10 | 10 | Yes | |
| 2009-05-13 | Jessica | 10 | 8 | 10 | 10 | Yes | I didn't know what an HSA was at first, so I had to Google that so that I could understand the original answer. But other than that, I got a lot of good information. Thank you! |
| 2009-04-30 | Lisa | 10 | 10 | 10 | 10 | Yes | |
| 2009-04-27 | Camila | 10 | 10 | 10 | 10 | No | Michael, Thank you very much for the prompt response and advice. Have a great day! |
| 2009-04-27 | Camila | 10 | 10 | 10 | 10 | No | Thank you Michael for your advice and encouragement. I will go to a urgent care facility as soon as possible. |
| 2009-04-15 | Michael | 10 | 10 | 10 | 10 | Yes | Michael was clear, concise and helpful. At least I now know where to start and several traps to avoid |
| 2009-04-04 | Ann | 10 | 10 | 10 | 10 | Yes | Thanks! Appreciate info. |
| 2009-04-01 | Cindy | 10 | 10 | 10 | 10 | Yes | Thank you very much for your speedy and detailed answer. Have a great day. :) |
| 2009-03-20 | julie | 10 | 9 | 10 | 10 | No | very quick response! thank you. |
| 2009-03-20 | Shael | 10 | 10 | 10 | 10 | No | Thanks! |
| 2009-03-19 | Jim | 10 | 10 | 10 | 10 | Yes | Thank you very much Mike. At least that gives me some hope. I appreciate it! |
| 2009-03-13 | joe | 10 | 10 | 10 | 10 | No | |
| 2009-03-03 | Anne | 10 | 10 | 10 | 10 | Yes | Thank you for your prompt responses. I appreciate your knowledge and help with followup questions. |
| 2009-02-24 | David | 10 | 10 | 10 | 10 | Yes | |
| 2009-02-21 | David | 10 | 10 | 10 | 10 | Yes | |
| 2009-02-12 | David | 10 | 10 | 10 | 10 | Yes | I have posed numerous questions to Michael and he has always provided great advice and insight. |
| 2009-02-12 | David | 10 | 10 | 10 | 10 | Yes | |
| 2009-02-11 | Heidi | 10 | 10 | 10 | 10 | Yes | I'm almost in tears as I write this because Mike helped me SO much! I was beside myself trying to figure out what to do and he was awesome and his timeliness was more like a 12! Mike has some very good karma coming his way! Heidi:-) |
| 2009-02-06 | Marilyn | 10 | 10 | 10 | 10 | No | Thanks |
| 2009-02-01 | Linda | 10 | 10 | 10 | 10 | Yes | Hi, Mike, I appreciate your response. I look forward to your answers. I need to clarify that I did have the hep c virus still in my blood after treatment, but my primary care doctor recommended that since my hep had been stable for quite a longtime, I consider it very low grade chronic. BTW I did talk to an insurance broker here who took my info and told that none of the majopr insurance co. would even consider insuring me. There was one called 'Assurant'. which she said 'might', based on several factors which I don't know. I had thought that I might possibly get coverage under Blue Cross etc, just not being able to make claims for the uninsurable condition, for a period of months, but the broker told me it doesn't work that way. There is a program in TN for uninsurables but the premiums for my age are over 500.00. That may be about what a non HIPAA policy might be, right, at the least? I haven't checked non HIPAA policies yet. The broker also told me if I was ever diagnosed as bi-polar then I was uninsurable as well. I had been told by ..... |
| 2009-01-30 | David | 10 | 10 | 10 | 10 | Yes |
Answers by Expert:
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
27 years as owner of health insurance agency, primarily dealing with Blue Cross Blue Shield of Arizona.
Education/Credentials
College, Business Administration.
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