Individual Health Insurance

Individual Health Insurance For Arizona Residents

Starting 10/01/2010, all individual and family policy applicants will have the opportunity to save 10%-40% in premium if they are non-smokers. Existing customers will also be offered the chance to lower their premium without going through medical underwriting. With four new plans to choose from, there will be a policy to fit every budget and need.

Welcome to Michael Higgins Insurance. We are an independent medical insurance agency that specializes in health insurance plans offered by Blue Cross Blue Shield of Arizona. From our site, you can get a free quote or purchase Arizona health insurance coverage from Blue Cross Blue Shield of AZ, a not-for-profit health care provider that has the highest customer approval rating, as well as the largest network of doctors and hospitals in Arizona.

Whether you’re located in a distant rural town or settled in metropolitan Tucson, Flagstaff, or Phoenix, individual health insurance plans are a convenient, affordable way to protect yourself from unexpected and even catastrophic medical expenses. Individuals, the self employed, or others in Arizona that do not have health insurance coverage available through an employer should consider Blue Cross Blue Shield of Arizona family or individual health insurance plans.

Short-term individual health insurance plans for folks who are between jobs or are waiting for new group coverage to begin are also available. Click on the link for individual health insurance short term plans and their prices. If you find a plan, which suits your needs, you may conveniently purchase it online.

Blue Cross® Blue Shield® of Arizona has individual health insurance plans specifically designed for Arizona residents. If this is your first time shopping for individual health insurance, you may want to start by learning more about which plan may be best for you. All Blue Cross Blue Shield of AZ individual health insurance plans include doctor office visits, hospital benefits, prescription medications, routine physical exam, preventive screenings, and well-child care with routine immunizations. If you are interested, you can even receive an individual health insurance free quote online.

As you peruse the various individual health insurance Blue Cross Blue Shield of Arizona plans, there are some considerations to ponder before making your choice.

Not all doctors participate as providers associated with Blue Cross Blue Shield of AZ, though most do. Mike Higgins understands that many folks prefer to remain with a particular physician. Call your doctor’s office and ask if they are contracted with BCBSAZ, and which plans they participate in.

If you are looking for maternity benefits that include prenatal care and normal delivery, you’ll want a plan such as BlueSecure, which covers prenatal, delivery, and postpartum maternity care. However, the contract must be in force for 12 months before the delivery occurs. These plans are expensive. It is highly recommended that you visit the maternity link to review more cost effective plans and ideas, Click Here

And here’s a link to my blog which has up to date information regarding Arizona health insurance. http://www.higginscompanies.com/blog/

If you prefer to complete a paper application instead of applying online, Click Here. Paper applications require a $20.00 application fee, and applying online through this website is free.