Medicare Supplement

Medicare Supplement (Medigap)
Welcome to Michael Higgins Insurance, LLC. A health insurance broker with more than 30 years of experience, Michael Higgins offers to both individuals and small businesses a variety of health insurance plans from Blue Cross® Blue Shield® of Arizona including Medicare supplement benefit plans.

With the continual rise in medical costs, most folks who are 65 years old and eligible for Medicare simply can’t afford to go uninsured or under-insured. A Medicare supplement policy, also known as Medigap, is a type of private insurance that helps folks who have Medicare pay for some of their “out-of-pocket” expenses such as coinsurance, co-payments or deductibles that the original Medicare policy does not cover. A Medicare supplement only works in conjunction with a Medicare policy. Michael Higgins would like to remind you that a husband and wife must each buy separate Medicare supplement policies. One spouse’s Medicare supplement policy won’t cover any health care costs of the other spouse.

For Arizona residents, you are eligible to apply for Medicare supplement (Medigap) coverage if you are 65 years of age or older, enrolled in Medicare Parts A and B, and meet residence requirements. For those under the age of 65 that qualify for Medicare, BCBSAZ does not offer supplement coverage, but Mike Higgins knows of several companies that do. Please give him a call at 602.405.8769.

Although Medicare supplement offerings have been standardized by the Centers for Medicare and Medicaid Services, these plans are sold and administered by private companies, such as Blue Cross Blue Shield of Arizona, a non-profit organization. Each Medicare supplement or Medigap plan offers a different combination of benefits, and prices can differ from company to company.

Mike Higgins has chosen to represent Blue Cross Blue Shield of AZ because ” Over the years my experience has been that each time I compared prices and coverage offered by other health insurance companies for a client, Blue Cross® Blue Shield® of Arizona was always the best value.”

Click this link below that is highlighted in blue to view all the Medicare supplement plans, prices, and application.

Senior Security

Arizona Senior Security applicants must have residency in the state.

The Senior Security Plans from Blue Cross Blue Shield of Arizona offer the most flexibility and choice for the consumer. There are no “lock-in” provisions and no “service area” restrictions as are found in Medicare HMO plans. Another convenience is having full Medicare supplemental insurance coverage while traveling throughout the United States. You have the complete freedom to see any Medicare participating doctor or a specialist whenever and wherever the need arises. You may also move out of state after enrolling and keep the policy, eliminating the need to shop for another plan in your new hometown.

Senior Preferred

Senior Preferred plans are available for residents of Pinal, Maricopa and Pima counties.

The Senior Preferred plans offer lower monthly premiums than the Senior Security plan, but require that you use physicians and hospitals in the BCBSAZ Senior Preferred provider network, quite large as a matter of fact. The exception is in cases of emergencies when the requirement is waived. Since there are over 11,000 providers in the Senior Preferred network in Maricopa, Pima, and Pinal counties and more joining, there are ample choices in primary care physicians and specialists. You have the freedom to choose any Senior Preferred physician you want to see and are not required to go through a primary care physician gatekeeper. Using network providers means lower out-of-pocket costs and higher savings on premiums.

No Waiting Period
Other Medicare supplement plans may make you wait for coverage, but with Blue Cross® Blue Shield® of Arizona Senior Security or Senior Preferred Medicare Select you have no waiting period for pre-existing conditions although Medical underwriting may be required.

Mike Higgins believes that Blue Cross® Blue Shield® of Arizona’s Medicare supplemental insurance plans provide a selection of benefit levels and value for your senior health care dollar.

Dental Insurance:
Dental insurance is always great to have no matter one’s age. Family and individual health insurance dental plans are available from Total Dental Administrators Health Plan, Inc. With their comprehensive prepaid dental plans that contract with private practicing dentists, you will have access to affordable, quality dental care. Please visit the dental link for more information: http://higginscompanies.com/dental/

If you have any questions regarding a Medicare supplement (Medigap) plans or dental insurance, please call Mike Higgins at (602) 405-8769 or send an email: info@higginscompanies.com

We look forward to hearing from you.

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