Blue Cross® Blue Shield® of Arizona
To generate an instant quote for a Blue Cross Blue Shield of Arizona individual or family plan simply click on the, “Free Online Quote,” link on the right side of the page. No personal information is required. Blue Cross Blue Shield of Arizona online application and submission is also available.
Please keep in mind that the Blue Cross Blue Shield of Arizona premiums quoted are the, “Preferred,” rates. Based on the overall health and pre-existing conditions the applicant may have, a four tier rate-up system of 15%, 35%, 55%, or 80% is possible. It is also possible to be denied coverage, though this does not happen too often. Over half of all Blue Cross Blue Shield of Arizona applicants receive the, “Preferred,” rate.
Blue Cross Blue Shield of Arizona
Welcome to Michael Higgins Insurance, an independent Arizona medical insurance agency that specializes in Arizona health insurance plans offered by Blue Cross Blue Shield of Arizona. With decades of experience in the Arizona health insurance business, obtaining the right policy for you is most important to Mike. You may be surprised by his answers as well. He will take the time necessary to solve your Arizona health insurance needs, suggesting different approaches or programs that may be beneficial. His priority is to answer any questions you may have, or solve any Arizona health insurance dilemma you are experiencing, whether you purchase a Blue Cross Blue Shield of Arizona policy or not.
ALERT #1: Child-Only policies are no longer offered by Blue Cross Blue Shield of Arizona. Short-term policies are a safe alternative to child-only plans, here are the Arizona short term plans, and apply if you would like. Mike is not aware of any Arizona health insurer offering child-only policies at this time. Arizona health insurance companies, and in every state in the nation, were forced to stop offering child-only plans due to a new federal law that is part of Obamacare. The mandate states that any health insurer in the country that offers child-only policies must insure all child-only applicants, no matter their health status, and with no waiting periods. This mandate opens the door to widespread health insurance abuse and skyrocketing premiums for the rest of us. With this law there is nothing stopping a parent from insuring their child only when a medical condition arises, then dropping coverage until another medical emergency occurs. The only answer to this dilemma for Blue Cross Blue Shield of Arizona, and many other carriers, was to stop offering child-only policies in order to protect their current members from these future skyrocketing premium increases.
An adult must now be on the Blue Cross Blue Shield of Arizona individual plan to cover a child. The adult is subject to all underwriting guidelines. The parent must be insurable based on Blue Cross Blue Shield of Arizona underwriting guidelines in order to cover the child or children.
ALERT #2: Four new Blue Cross Blue Shield of Arizona plans began 10/01/2010 for those 18-64 years of age. Non-smokers will save 10%-40%. Rate adjustments will now be quarterly. Premiums will be based on actual age, no longer using an age band of several years such as 45-49, 50-54 and so on. To get an online quote for a Blue Cross Blue Shield of Arizona individual or family policy simply click on the, “Free Online Quote,” box on the right side of the page. No need to register first, or give out any personal information to receive a quote. All that is needed are the age, sex, and zip code of those interested in obtaining a policy from Blue Cross Blue Shield of Arizona.
ALERT #3: Are you currently uninsured due to a pre-existing condition? Have you been uninsured for at least six months? If so, the new high-risk pool insurance plan offered by the federal government may be of help, http://www.pcip.gov/. As of July 1st, 2011 Arizona premiums were reduced by nearly 40% for the federal high-risk pool. The premium reduction brings the cost of this special Arizona health insurance more in line with standard rates offered by private carriers such as Blue Cross Blue Shield of Arizona. Of course, the best course of action is to apply for an individual plan through Blue Cross Blue Shield of Arizona first. There are two main benefits of applying for an individual plan first. The first is that you will find out if you are truly non-insurable on an individual basis, and secondly, you will need the declination letter Blue Cross Blue Shield of Arizona will send to you as proof of your non-insurability for the federal government high-risk pool insurance program. The high-risk pool insurance is, “guaranteed issue,” meaning you won’t be declined or have waiting periods before coverage begins.
Blue Cross Blue Shield of Arizona
There is a lot of confusion out there as to which laws 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 at the number below. One thing is for absolutely certain, he is not going to try and sell you anything. It does not matter if you are interested in purchasing an Arizona health insurance policy, already have a broker, have general questions, or specific questions on Blue Cross Blue Shield of Arizona products, Mike will answer your questions, no questions asked.
For further information 24/7, please call 602.405.8769 to speak with Mike.
Michael Higgins Insurance looks forward to hearing from you.