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
Blue Cross® Blue Shield® of Arizona
ALERT: The open enrollment period for 2016 was Nov. 1, 2015, through Jan. 31, 2016. You may enroll anytime during the year if you have a qualifying event such as loss of group coverage, divorce, death in the family, etc. Please call Mike Higgins at 602.405.8769 to discuss all options available outside of open enrollment.
THANK YOU: Michael Higgins has been ranked as a Top 10 broker in 2016, according to Ranking Arizona magazine. Ranking Arizona, now in its 19th year, is the largest business opinion poll in Arizona. 1.5 million participants vote each year, with recommendations based on quality of service, and with whom they would recommend doing business. To vote, please click on the, “Top 10 Ranking Arizona,” link on the upper-right of this webpage.
To generate an instant quote for a Blue Cross Blue Shield of Arizona individual or family plan during open enrollment simply click on the, “Free Online Quote,” link. 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. Please call 602.405.8769 for an employer group quote.
As of 01/01/2014, no Arizona health insurance company may deny coverage during open enrollment, (or during the year if an applicant has a Special Enrollment Period qualifying event.) Insurers may no longer apply a rate-up due to pre-existing conditions the applicant may have, or base premium rates on the sex of an applicant. Insurers may base premiums on age, zip-code, and whether one uses tobacco or not, (the PPACA, “Obamacare,” allows up to a 50% rate increase for tobacco use.)
Blue Cross Blue Shield of Arizona
Welcome to Michael Higgins Insurance, an independent Arizona health insurance agency that specializes in plans offered by Blue Cross Blue Shield of Arizona and Aetna. With decades of experience in the Arizona health insurance business, obtaining the right policy for you is most important to Mike. He will take the time necessary to solve your Arizona health insurance needs, suggesting different approaches or programs that may be beneficial. Mike also offers Aetna individual, family, and small group policies through his sister website, www.arizona-health-insurance-online.com.
Term-Life policies are available from many A+ rated life insurance carriers. Please call Mike for a quote, 602.405.8769.
Child-Only policies are now offered by Blue Cross Blue Shield of Arizona.
Short-term policies are an alternative to child-only policies, and for those seeking coverage for less than 90 days. Here are the Arizona short term plans, and you may apply online if you would like. Please keep in mind that short-term health insurance policies DO NOT qualify as essential coverage under the Patient Protection and Affordable Care Act, (Obamacare.) Being uninsured for more than 90 continuous days triggers an IRS penalty.
Blue Cross Blue Shield of Arizona
There is a lot of confusion as to which aspects of the PPACA 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 Higgins, 602.405.8769, any time, any day.
For further information 24/7, please call 602.405.8769 and speak with Mike.