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!!



A Sign Of Things To Come

In 2002 less than five physicians in Texas stopped participating in Medicare, mainly because of the reimbursement rates. In 2010 it looks like the number of doctors dropping out will be around 200.

It used to be that when a doctor submitted charges of $1000 to Medicare, about $400 of it was profit after taking out expenses. Not a bad day in any one’s book, especially with a full waiting room. If and when the nearly 21% cut in Medicare reimbursement is actually implemented June 1st., the profit amount will be around $83. Not a good day in any one’s book.

There is a business term that many in America are not familiar with, but will be, when the health insurance law is fully implemented, and that is, “defensive business arrangements.” In laymen terms this means, “you don’t get to keep your doctor if you like.” Well, not true. You could keep your doctor of choice, you will just need to keep him or her under lock and key in the basement because that’s the only way you are going to be able to see them.

Thanks to ObamaCare insurance companies must cap the amount of money they spend on overhead to 15% for large groups and 20% for the individual and family market. To accomplish this health insurance companies will need to cut the cost of their products by paying hospitals and doctors less, and cutting services covered like costly MRI’s as an example. But to do this health insurance companies are working very hard to buy up as many clinics and doctor’s practices as possible so that they may have the control they need over these expenses. If the health insurance company can’t own the doctors outright they will cut back on the size of their network which means less choice for the insured. Doctors are selling their practices at an alarming rate, mostly to hospitals. Half the jobs for doctors are offered by hospitals today. A few years ago it was a quarter of all jobs.

The end results of all of this consolidation will be larger government and fewer choices for the public. They will get to pay higher premiums though, much higher.

What is most concerning, other than the incredibly large number of doctors leaving Medicare, is what will happen when ObamaCare starts in 2014. The number of physicians already thinking about leaving the profession is at an all-time high, and worse yet there is a shortage of primary care physicians today.

Michael Higgins

An Arizona health insurance broker.


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Posted by:
Michael Higgins

Posted on:
May 20th, 2010

Posted in: