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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.

-L.M.
Houston, TX
— Rick,

“Mike,

You have provided professional & friendly guidance to our family for so many years and I hope you know how much we appreciate your help!!

Sincerely,

Charlotte”

The Hidden Health Insurance Premium Increase


The White House just announced, through their budget recently released, that the cost of giving money to, “middle class,” Americans to buy health insurance went up 30%! Instead of $367,000,000,000 it will now cost $478,000,000,000. Worse yet, the program hasn’t even started yet. Come 2014 when the health insurance exchanges open for business, no one should be surprised to see these figures continue their upward climb. Even before the law was passed many Republicans pointed out studies that showed the true cost of this free money, doubling the administration’s figures.

So why such a huge increase in cost, which of course will raise future health insurance premiums that much higher? According to the Obama administration the majority of the increase is due to, “newly signed legislation,” and, “technical changes in Treasury assumptions.” What? Huh? Really? These assumption changes are going to raise everyone’s collective health insurance premium by $111,000,000,000, the least they could do is speak English when telling such lies about the real cost of medical insurance.

We are not to worry though, President Obama states that we will still save money overall once everything is in place. Miraculously we are going to save money on health insurance by spending a lot more money. Where have I heard this before? Oh yea, unemployment insurance payments are good for the economy, abortion pills save health insurance companies money, billion dollar stimulus spending sprees create lot’s of jobs, and the list goes on.

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Posted by:
Michael Higgins

Posted on:
March 7th, 2012

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Technorati Token post


FTPFBZFWUYBW this is for technorati token

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Posted by:
Michael Higgins

Posted on:
March 1st, 2012

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Forcing Insurers To Cover Contraception


Arizona health insurance companies, and all health insurers throughout the USA, must now cover contraception medication under the free preventive services section included in health insurance policies. As we are all aware by now, many religious organizations disagree with this new mandate, some suggesting that it will actually force them to stop offering health insurance to their employees, or worse yet, force them to close their doors.

The argument for mandated contraception coverage, and especially emergency contraception pills such as Ella, (a pill causing the abortion of the baby, a.k.a. the, “Morning After Pill,”) goes something like this… if everyone has access to, “free,” contraception medication, the need for abortions will decrease, something we can all agree is a good thing. Planned Parenthood and others also say that Arizona health insurance companies will ultimately save money by not having to pay for unwanted pregnancies, the cost of delivering a baby much more than a few pills.

These arguments for mandated contraception coverage by health insurance companies in Arizona and elsewhere make complete sense. There’s just one problem though… well, actually, there’s twenty-three problems. Twenty-three separate studies, many conducted by supporters of such coverage by Arizona health insurance companies, concluded that there is no direct correlation between increased access to emergency contraception medication and a reduction in unwanted pregnancies or abortions.

Enter the, “Reproductive Parity Act,” recently passed by a Washington state board, a first in the country. The law basically forces health insurance companies doing business in that state to cover abortions at ANY point in a pregnancy. The Huffington Post, Planned Parenthood, and others have called this new law, “ground breaking.” I’ll say. Somehow we have gotten to the point where killing is the equivalent to healing. If you are a health insurance company in Washington you are now to treat abortion the same way as the birth of a child. Up is down, and down is up it seems.

The majority of Americans believe in the right to life, are against abortions, and certainly don’t want to be forced to pay for them, or added as one more federal mandate on their health insurance policy. Yet here we are, the beginning push toward the right to end an innocent life hours before birth.

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Posted by:
Michael Higgins

Posted on:
March 1st, 2012

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Arizona health Insurance And Baby Boomers


The closer we approach the full implementation of Obamacare in 2014, the worse the economic outlook becomes. The CBO, (Congressional Budget Office,) released a report this month projecting that unemployment will rise in the last quarter of this year, and what little economic growth there is will slow by next year. Add to this the fact that there are millions of baby boomers set to retire, enrolling in the Medicare entitlement program which is facing insolvency. Grouped together these dire situations form the perfect storm, leaving many Arizona health insurance policy holder’s holding the bag, a bag with ever increasing premiums while paychecks and interest income on nest eggs plummet.

For the next two years it is projected that economic growth will slow from two percent this year to one percent next year. One must keep in mind that these are the government’s projections, not from a Republican think-tank or one of the right leaning publications on television or print. Arizona employer’s are preparing for the worst, yet hoping for the best of course. With profit margin’s at their lowest point ever, any increase in Arizona health insurance premiums will surely put many companies in the poor house at worst, and the remaining employers simply not hiring at best. With unemployment projected to be 8.9% by the end of the year, and 9.3% by next year, it becomes painfully obvious that something must be done, and quickly. Anything short of a complete turnover of the Obamacare law by the Supreme Court this June will only exacerbate the problem. Unfortunately for Arizona Medicare and Medicaid participants, along with everyone else in the nation, a complete reversal of the law is unlikely, leaving more questions than answers, and sky high premiums continuing their upward charge.

The CBO also estimates that due to Obamacare, enrollment in Medicaid and other health insurance policies such as Arizona’s AHCCCS program will explode come 2014, adding trillions of dollars to the debt load Arizona and the nation already carry.

It is important to note that the CBO report projects lower deficits in the coming years based on increased tax revenue and lower reimbursement rates for physicians. The fact that these cuts in health insurance reimbursement rates have never happened in the past, or will ever take place in the near future should be made clear, the, “Doc Fix,” popping up every few months to continue payments at their current levels. As for the tax revenue increase, it should also be noted that neither the president or Congress supports letting the Bush tax cuts expire, as the CBO calculated into their findings. The report, calculating that a 30% cut in pay to doctors will take place this year, (again, this will never happen,) still concludes that the economy is going to get worse before it gets better. With the rosiest of numbers to work with, (by law the CBO must use figures based on current law such as the Bush tax cuts set to expire,) the CBO has told us in the strongest possible terms that those in Arizona and everywhere else in this country are in for a world of hurt, as if things were not bad enough already.

Arizona health insurance policy holder’s must prepare for the worst and hope for the best, just like Arizona employer’s offering group health insurance policies to their employee’s. Raise those deductibles, enroll in Health Savings Account qualified plans, (HSA,) and shop for the Arizona health insurance company that offers the best negotiated rates for medical services for their members…that company being a non-profit named Blue Cross and Blue Shield of Arizona.

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Posted by:
Michael Higgins

Posted on:
February 28th, 2012

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