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!!



Medicare Flyer, The Propaganda Begins

Your tax dollars have been spent recently to send out a Medicare,, flyer that is filled with half-truths and bold-faced lies. The government says that they had to send it out to prevent con men from ripping off the elderly on Medicare. If anyone is going to rip off the elderly certainly the government doesn’t want anyone else getting in on their action.

For those on a Medicare Complete type of plan they will lose benefits and their costs are going to rise, this is a fact. You don’t cut half a trillion dollars from something and have everything remain the same. The administration’s own actuary says that benefits will be cut. The flyer says that Medicare health insurance benefits will be preserved and strengthened.

The lie, or more accurately the bait and switch, is where the flyer says that for those with a Medicare Advantage plan, ” will receive guaranteed Medicare benefits.” Medicare Advantage plans always had Medicare basic benefits. It’s the other benefits that Medicare Advantage plans offer that will be cut. The elderly will be shocked when providers start billing them directly instead of their Medicare Advantage supplement provider. The elderly will not like the fact that their doctors have dropped off the plan either, leaving them to search for another hard to find physician. No health insurance company is going to stick around when billions of dollars are no longer available to pay for medical services that they now cover.

The flyer goes on to mention other benefits of ObamaCare that have nothing to do with Medicare, yet we the taxpayer have paid for this advertisement.

Michael Higgins

An Arizona health insurance broker.


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Posted by:
Michael Higgins

Posted on:
May 30th, 2010

Posted in: