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!!



Here We Go Again

I’ve been in the health insurance business for 30 years. Like just about everything in life this business is cyclical. There was a time in the health insurance business when HMO’s were the least expensive option for individuals and employers. Receive your medical care from a limited list of physicians and hospitals and your health insurance premiums drop. Today if you were to buy an HMO plan you would be paying the highest premiums in the country. This is because HMO’s generally offer first-dollar coverage. Very low deductibles and very low out of pocket expenses means very high premiums.

Well here we go again. New health plans being offered have about half the number of doctors and hospitals to choose from. Insurers can control costs by contracting with a limited number of hospitals and doctors, guaranteeing these entities plenty of customers and making up for the lower reimbursement rates through volume of patients. There is already a doctor shortage. Add limited lists of doctors one is able to see and it becomes obvious where this is heading, long waits.

Michael Higgins


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Posted by:
Michael Higgins

Posted on:
July 28th, 2010

Posted in: