Health Insurance In Arizona
Welcome to Michael Higgins Insurance, whose principal agent, Michael Higgins, has more than 30 years of experience recommending health insurance in Arizona to residents of the state. Please click here to view all the health insurance in Arizona plans offered by Blue Cross and Blue Shield of Arizona.
Health Insurance In Arizona
In the past, the best way to save on health insurance in Arizona was through a policy at work where the employer paid for the entire premium. In order to ease the ever increasing rise in health care costs, many companies, large and small, are asking their employees to help cover some of their health insurance in Arizona premiums. Consequently, many folks that do have health insurance through an employer find that the cost of insuring their spouse and children on the employer’s group plan to be too expensive. Opting out of the company’s family health insurance plan leaves not only the employee’s spouse and children at risk, but also the family’s financial well being. Exorbitant out-of-pocket health care expenses can accumulate during an acute or chronic illness of a spouse or child. At Michael Higgins Insurance, we often suggest an alternative to this: insure family member’s on their own health insurance in Arizona plan. At a minimum, this will cut the premium in half in most cases for very similar coverage, excluding maternity. (Here is an excellent way to save thousands of dollars on the birth of a child while insured on a non-group health insurance in Arizona plan.) We are very fortunate to be able to purchase an individual health insurance in Arizona plan for our dependents instead of group coverage offered through an employer, as several states do not allow this.
Health Insurance In Arizona
Michael Higgins Insurance recommends that his clients choose the highest deductible they can afford for health insurance in Arizona. The higher the deductible, the lower the monthly premium will be. Many families are choosing the Blue Cross Blue Shield of Arizona option where they are able to combine a high deductible family health insurance plan (HDHP) with a family health savings account (HSA). HSAs are like IRAs for your family health insurance. You buy a high deductible, low premium family health insurance plan, and then every month put the money you save into a tax-free savings account. When you need money to pay for your medical expenses up to the annual deductible, it comes out of the HSA account, tax-free. The qualified HSA plan for individuals and families is the Arizona Blue Portfolio policy. For small groups the name of the HSA plan is the Blue Secure policy.
Health Insurance In Arizona
Reasonably health insurance in Arizona from Blue Cross Blue Shield of Arizona assures that your children will have access to the very best health care. Health insurance in Arizona coverage for preventive care such as routine doctor’s check-ups, physicals, immunizations and vaccinations, and well-baby care is vital to ensuring your children stay healthy. Preventive care may discover the early signs of illness before it turns into a serious condition. (Lab work is no longer covered at 100% under preventive services, it is now subject to the deductible.) Like so many things in life though there are several schools of thought on this matter. Some extensive studies, not funded by insurance companies, have concluded that health insurance in Arizona preventive care does not lower the occurance of serious illness as a whole, an in fact increases the cost of health insurance in Arizona.
Don’t go another day without some type of health insurance in Arizona coverage.
Call us today at (602) 405-8769.