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!!



More Health Care Isn’t Always Better

Many find it hard to believe that receiving more medical care doesn’t always mean better health. It is estimated that one third of all testing procedures are unnecessary. Many of these tests have dangerous side effects as well. As an example are the fetal monitors that say there is a problem with the baby so a c-section is performed, only to learn that there was nothing wrong with the baby in the first place.

Americans receive more radiation than anyone else, primarily due to the number of CT scans performed and covered by health insurance. Obviously the risk of getting cancer from all of these tests is increased.

Stents for the heart are popped in all the time, when medication should have been tried first. Surgery is surgery, and taking a pill would be much safer.

Think about the billions of antibiotics prescribed, the body building more and more immunity to them as time goes by.

Millions of women at low risk for cervical cancer get way too many pap smears. One third of men over 75 get screening for prostate cancer when doing so is of little use.

Back pain is the number one over-treated condition with lots of MRI’s and surgeries. 20% will have more than one operation within a decade for back pain when doing nothing would have the same results. The cost to health insurers and employers for these claims is sky high,

Michael Higgins


An Arizona medical insurance broker.

Leave a Comment


Posted by:
Michael Higgins

Posted on:
June 28th, 2010

Posted in: