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 Quotes The Easy Way

Did you know one of the easiest ways to obtain an accurate health insurance quote in Arizona is to do what you are doing at this exact moment, spending a little time online. Many, if not all, Arizona health insurance companies have their premium rates posted on their website. Better yet, visiting a reputable Arizona health insurance broker’s website will likely have additional information, with links to many insurers premium rates and online applications.

Some health insurance companies, Blue Cross and Blue Shield of Arizona as an example, allow you to apply for free when completing and submitting your application online, otherwise a $20.00 application fee likely applies. Keep in mind that the premiums quoted on most insurer’s websites are the, “preferred,” rates, the lowest rates offered to the healthiest among us. Depending on health status, applicants can have rate-ups anywhere between 10% and 80%, and even declined coverage if too many pre-existing conditions are present.

Like any other purchase, price should only be one of several factors when deciding which company is best. One must also consider company reputation, number of complaints with the Arizona Department of Insurance, amount of business done in the state, how long have they done business in the state, how deductibles are calculated and credited within each company, the discounted amount for in network services, (the, “allowed amounts,”) size of network, and the list goes on. Not knowing any one of these factors can lead to thousands of additional dollars being spent on medical care, expenses one may have believed to be covered by the Arizona health insurance company but are not.

Thankfully the health insurance shopper need not be an expert in the field, a trustworthy broker can easily generate a number of quotes for you, answering all of your questions, and making suggestions as well. Arizona health insurance brokers do not charge an additional fee for their services, you pay the same price whether dealing directly with the insurer or with a broker.

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Posted by:
Michael Higgins

Posted on:
February 22nd, 2012

Posted in: