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  • Blue Cross of Arizona

    "Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates." - Dave more

  • Arizona Family Health Insurance

    "Mr. Higgins explained in ways that I can understand. His compassion was unequal!" - Roxanne more

  • Affordable Health Insurance in Arizona

    "I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!" - Liza more



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What our customers are saying…








Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates.
– Dave
Mr. Higgins explained in ways that I can understand. His compassion was unequal!
– Roxanne,
Thanks, Michael, I truly appreciate your prompt assistance…
– Laura
Thank you. This is helpful and I appreciate your time and assistance.
– Rick,
I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!
– Liza,
“Hi Mike,
…my mother lives in Texas, but I thought I would ask you (a question about health insurance,) since the
comments about you on the website were heartfelt.

Thank you.

-L.M.
Houston, TX
– Rick,

“Mike,

You have provided professional & friendly guidance to our family for so many years and I hope you know how much we appreciate your help!!

Sincerely,

Charlotte”

Arizona Health Insurance
Blue Cross® Blue Shield® of Arizona

 

To generate an instant quote for a Blue Cross Blue Shield of Arizona individual or family plan simply click on the, “Free Online Quote,” link on the left side of the page. No personal information is required. Blue Cross Blue Shield of Arizona online application and submission for individuals and families is also available at no cost to the applicant. A decision on the application is usually made within 1-3 business days.

Please keep in mind that the Blue Cross Blue Shield of Arizona premiums quoted are the, “Preferred,” rates. Based on the overall health and pre-existing conditions the applicant may have, a four tier rate-up system of 15%, 35%, 55% or 80% is possible. It is also possible to be denied coverage, though this does not happen too often. Over half of all Blue Cross Blue Shield of Arizona applicants receive the, “Preferred,” rate. Starting on 01/01/2014 no Arizona health insurance company will be allowed to deny coverage, or apply a rate-up due to pre-existing conditions the applicant may have, so long as the applicant applies during the open enrollment period at the end of each year. Purchasing Arizona health insurance will only be available during the open enrollment period. Not enrolling in a health insurance plan during this time will result in being uninsured, being liable for all medical care costs, and a federal tax being assessed by the IRS.

Blue Cross Blue Shield of Arizona

Welcome to Michael Higgins Insurance, an independent Arizona medical insurance agency that specializes in Arizona health insurance plans offered by Blue Cross Blue Shield of Arizona. With decades of experience in the Arizona health insurance business, obtaining the right policy for you is most important to Mike. You may be surprised by his answers as well. He will take the time necessary to solve your Arizona health insurance needs, suggesting different approaches or programs that may be beneficial. His priority is to answer any questions you may have, or solve any Arizona health insurance dilemma you are experiencing, whether you purchase a Blue Cross Blue Shield of Arizona policy or not. Mike also offers Aetna individual, family, and small group policies through his sister website, www.arizona-health-insurance-online.com.

ALERT #1: Child-Only policies are no longer offered by Blue Cross Blue Shield of Arizona. Short-term policies are a safe alternative to child-only plans. Here are the Arizona short term plans, and you may apply online if you would like. Mike is not aware of any Arizona health insurer offering child-only policies at this time.

An adult must now be on the Blue Cross Blue Shield of Arizona individual plan to cover a child. The adult is subject to all underwriting guidelines. The parent must be insurable based on Blue Cross Blue Shield of Arizona underwriting guidelines in order to cover the child or children.

ALERT #2: Non-tobacco users will save 10%-50%. Rate adjustments will now be quarterly, previously an annual occurance. Premiums are based on actual age, no longer using an age band of several years such as 45-49, 50-54 and so on. To get an online quote for a Blue Cross Blue Shield of Arizona individual or family policy simply click on the, “Free Online Quote,” box on the left side of the page. No need to register first, or give out any personal information to receive a quote. All that is needed are the age, sex, and zip code of those interested in obtaining a policy from Blue Cross Blue Shield of Arizona.

Blue Cross Blue Shield of Arizona

There is a lot of confusion out there as to which laws have gone into effect so far, what Arizona health insurance plan is the best, does Blue Cross Blue Shield of Arizona sell certain types of coverage, etc. Instead of searching high and low for answers on the Internet, you may find it easiest to simply call Mike, 602.405.8769. One thing is for certain, he is not going to try and sell you anything. It does not matter if you are interested in purchasing an Arizona health insurance policy, already have a broker, have general questions, or specific questions on Blue Cross Blue Shield of Arizona and Aetna products, Mike will answer your questions, no questions asked.

For further information 24/7, please call 602.405.8769 to speak with Mike.

 

Email: info@higginscompanies.com or HERE.