About Mike Higgins

30-360 Day Short Term

30-90 Day Short Term

Short Term Medical

What our customers are saying…

Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates.
— Dave
Mr. Higgins explained in ways that I can understand. His compassion was unequal!
— Roxanne,
Thanks, Michael, I truly appreciate your prompt assistance…
— Laura
Thank you. This is helpful and I appreciate your time and assistance.
— Rick,
I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!
— Liza,
“Hi Mike,
…my mother lives in Texas, but I thought I would ask you (a question about health insurance,) since the
comments about you on the website were heartfelt.

Thank you.

Houston, TX
— Rick,


You have provided professional & friendly guidance to our family for so many years and I hope you know how much we appreciate your help!!



Arizona Health Insurance
Michael Higgins, the principal of Michael Higgins Insurance, has more than 30 years as a Blue Cross Blue Shield of Arizona health insurance broker. The vast knowledge accumulated over the years makes him proficient not only in understanding your health insurance needs, but also in pointing out the differences among other Arizona health insurance plans, and the numerous plans offered by Blue Cross Blue Shield of Arizona.

It is significant that as an experienced health insurance broker, Michael Higgins has chosen to represent Blue Cross® Blue Shield® of Arizona, because he believes their health care plans always offer the best value. Aetna as well is an excellent choice when it comes to small group plans.

“My experience over the years has been that each time I compared prices and coverage offered by several companies for a client, Blue Cross® Blue Shield® of Arizona was always the best value.”

The ups and downs in Mike Higgins own life has given him a solid grounding in the realization that the personal choices an individual makes in addressing health issues can make a difference.

At one point in his life Mike Higgins was a semi-professional cyclist, training hundreds of miles a week on his road bike. On May 22nd of 1990, at 4:35 in the afternoon, he was run over by a full-size Chevy Blazer, the rear tire traveling up his back and over his helmetless head, breaking three vertebrae in the neck as well as breaking his wrist. Fortunately, except for several stitches over an eye, no surgery was necessary for his injuries. However, he wore a neck brace for a very long time due to the injured vertebrae. Although some doctors suggested surgery, he simply chose not to go that route. During the long recovery he gained over sixty-two pounds. Over time, as the weight increased, so did the pain in his back. He eventually ended up sleeping on the floor near a wall, which he used for support as he agonizingly dragged himself to an upright position each morning. Again refusing a surgical procedure, he began to use alcohol to help relieve some of the pain. Needless to say, his physical health continued to deteriorate due to his unhealthy lifestyle.

In January of 1996, nearly six years after his cycling accident, Mike Higgins finally made a monumental decision to make a complete change in his life style. His vertebrae had healed years ago. From his years in cycling he knew that exercise would help with the depression, the pain, and the sleep problems. So he joined the YMCA. They say it takes around twenty-two days to form a habit, so he went to the YMCA for twenty-two days straight, slowly increasing the work out intensity each day. While consistently going to the gym over the next year, Mike Higgins lost the sixty-two pounds. Continuing to exercise on a regular basis, his weight has stayed off to this day. With the help and support of his family, and friends with similar challenges, Mike has also not consumed alcohol since that day in 1996, a decision he, and his family and friends, are most grateful for.

Michael Higgins’s health insurance is Blue Cross Blue Shield of Arizona. He has chosen the Blue Essential, which is a lower premium, high-deductible PPO plan (Preferred Provider Organization). It covers most medical services such as office visits, prescriptions, annual physicals, and urgent care with a low co-pay, the deductible does not apply. With the high deductible of $10,000, Michael Higgins keeps his monthly premium payments low. He chooses doctors who are network-preferred-providers, which lowers his out-of-pocket medical costs as well. Unfortunately, starting in 2016, Mike, along with every other American citizen with an individual grandfathered policy, will be forced into a much more expensive policy that qualifies under Obamacare, thus avoiding the IRS penalty, but incurring thousands of dollars more in premium costs.

Blue Cross Blue Shield of Arizona has negotiated various reimbursement methods with their contracted providers. After paying a deductible, coinsurance or co-pay amount, these providers cannot bill for the difference between the billed charges and the Blue Cross Blue Shield of Arizona allowed amount for the covered service.

An example of how this worked for Mike Higgins: “I went to my network-preferred doctor. I paid my co-pay amount for the office visit. A specialist who is a contracted Blue Cross Blue Shield of Arizona provider read my chest x-ray and submitted a bill to Blue Cross and Blue Shield of Arizona for $300.00. Blue Cross Blue Shield of Arizona allowed $34.80, (the allowed amount,) for the covered doctor’s service. I paid the $34.80, not the billed $300.00.” Blue Cross of Arizona also offers all members the ability to shop for the best price on many of the most common medical procedures, thanks to an online tool in the member’s section on www.azblue.com.

Everyone’s health care needs are different. However, when you choose Mike Higgins to be your Arizona health insurance broker, you will be dealing with someone who not only is knowledgeable about all the plans Blue Cross Blue Shield of Arizona offers, but also someone who, himself, is a Blue Cross Blue Shield of Arizona member. He will answer all of your questions, take you through the process of applying for a Blue Cross Blue Shield of AZ insurance plan on his website, and will be there to help with any other questions that might arise after you become a Blue Cross of Arizona member.

The testimonials, Click Here, from his many satisfied customers speak volumes about the man, as do the awards he has received from Blue Cross Blue Shield of Arizona for his industry knowledge and leadership in the health insurance field.

If you would like to contact Mike Higgins, send an e-mail to info@higginscompanies.com, or call: (602) 405-8769. He will be happy to answer any questions you may have.

If you are already insured with BCBSAZ and would like to have Mike be your broker, please complete this form and e-mail to the address above. Click Here

And here is a link to Mike’s blog which has near daily comments on Arizona and national health insurance. https://www.higginscompanies.com/blog/