Benefits Of Having A Broker
Arizona Insurance Agents:
Michael Higgins Insurance, LLC. has insurance agents ready to answer any questions you may have regarding Blue Cross Blue Shield of Arizona, Arizona health insurance, or the role agents/brokers have in the process of obtaining medical insurance. Each state requires that all involved in the sale of health insurance be licensed in each state, and this rule applies to Arizona insurance agents as well.
Choosing a broker from all of the Arizona insurance agents vying for your business can be daunting. Experience is of utmost importance, and Michael Higgins has decades of expertise in the Arizona health insurance business. What separates Michael Higgins from so many others is the ability to reach him 24 hours a day, seven days a week at 602.405.8769. Please take the time to read some of the many comments made by existing, and past, clients posted throughout the website and on the testimonials page HERE. Of all the Arizona insurance agents available to you, nothing beats the one on one service you will receive from Michael Higgins Insurance, LLC.
Did you know that there is a wealth of information available to you through the Arizona Department of Insurance, (602) 364-2499, regarding Arizona insurance agents and brokers? Through their website, http://www.id.state.az.us/, you can look up any complaints lodged against any Arizona insurance agent or broker. You will discover that of the tens of thousands of Arizona insurance agents doing business in the state, Michael Higgins Insurance, LLC has a clean bill of health.
To this day there is still some confusion regarding the costs involved to the consumer while using the services of Arizona insurance agents. The insurance company pays a commission to the agent for each policy they sell usually. The agents don’t charge the customer for their service, and the premium is the same whether purchasing directly from the company or using a broker. The commissions vary from company to company. In the case of Blue Cross Blue Shield of Arizona, insurance agents receive a 10% commission on individual and family policies, and 5.5% on small group plans. These commission levels are lower than many other companies that agents offer to the consumer. Keep in mind that Blue Cross Blue Shield of Arizona is a non-profit organization, while most others are not. It is your money being spent each month on premiums, and it is your right to know where that money is going.