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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.

-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”

Public Option Money Pit


A long-standing dream of the left is to have a public option when it comes to Arizona health insurance, and medical insurance throughout the country.
Included in Obamacare is a public option, only it has been named a, “CO-OP.” The CO-OP, or socialized medicine as it is known more commonly, is an attempt to finally have the government be the only health insurance company remaining in the USA. It would be the mother-load for the left, to have each and every American rely on the federal government for their health care from birth to death.

These CO-OP’S are to be funded by the federal government to the tune of six billion dollars in the beginning, a seed for socialized medicine throughout the country. Republicans sliced two billion from the program recently, announcing that without such funding these CO-OP’s were DOA. Dead they are not, the government announcing the other day that they sent out nearly a billion dollars to eight states to get these competition killers going. During the next year the Medicare administrators will spend many billions more setting up CO-OP’S throughout the country. State exchanges, federally monitored, yet called, “marketplace,” health insurance policies, who knew. If this administration doesn’t like certain connotations, “socialized medicine,” invokes, simply change the name to something that’s more appealing like, “marketplace,” based products.

Donate to Obama and receive a waiver. Member of a union, you too need not buy Arizona health insurance or a group health insurance policy like all those for-profit, greedy corporations. Talk about a rigged system, skewering the for-profit health insurance companies, and you the tax-payer, once again. But not to worry, President Obama assures us that there are many safety measures in place to make sure these billions of dollars of tax-payer dollars invested in the CO-OP’S are safe and sound. Like Solyndra, you can rest assured that at the first sign of trouble this administration will double down. Fortunately, the administration has already removed any future surprises of CO-OP bankruptcies by announcing up front that forty percent of them will fail. That’s right folks, betting big with your money comes naturally to our Chicago Politician In Chief, never mind a near 50/50 chance of failure.

Guess who recently received over three hundred million dollars for their CO-OP? Sara Horowitz is her name, someone Obama has worked with in the past. She has spent her adult life working toward socialized medicine for the country. She runs the CO-OP named, “Freelancers Union.” Flush with new money she hopes to snag a couple of hundred thousand more New Yorkers into her, “social-purpose company.” Unfortunately for the existing clients of the Freelancers Union, being a member of this CO-OP has resulted in higher premiums, horrible customer service, and a reduction in group health insurance benefits compared to group health insurance carriers not part of a CO-OP.

Another winner of millions in tax-payer dollars is an organization founded by Saul Alinsky, author of, “Rules for Radicals.” Common Ground Healthcare Cooperative in Wisconsin has so far received nearly sixty million dollars. Common Ground Healthcare Cooperative in Wisconsin is an affiliate of Industrial Areas Foundation, founder Alinsky. And where did Industrial Areas Foundation get their money? From none other than Gregory Galluzzo, Obama’s friend, and someone he regularly met with. Thank goodness Obamacare was passed so that we could see what’s in it.

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Posted by:
Michael Higgins

Posted on:
February 27th, 2012

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BREAKING NEWS: Obama’s High-Risk Pool Insurance Cost Set To Double


The Obama administration announced today that the five billion dollar federal health insurance program to insure those with serious pre-existing conditions will be much more costly than predicted. Of course it depends on who made the initial prediction in the first place. At the time the program was first introduced last year there were non-governmental predictions that the program would cost twice the amount forecasted by the Obama administration.

Instead of the projected $13,000 in claims per policy holder this year, it is now projected that each of the enrolled will use nearly $29,000 in medical services. This figure, interestingly enough, is double the amount most states spent on similar high-risk pools that they have been running for many years. Those enrolled in the Obama high-risk pool health insurance program have eight times as many in-patient stays and three times as many ER visits than the average person.

Due to the six month period a person must be uninsured before qualifying for the high risk pool health insurance program, (and be denied by a private health insurance carrier,) many institutions predicted that patients would simply wait for care during this time, obtaining medical attention and filing claims immediately once enrolled. Another factor causing the large cost increase is the fact that the average policy holder is over the age of 45. The program now has nearly 50,000 individuals with serious pre-existing conditions enrolled, a number that had been predicted to be nearly 400,000 by this time. The first year of the program ended with roughly 9,000 enrolled, primarily due to very high premium rates. The federal government slashed prices by 40% to increase enrollment, yet the number of insured are still much less than expected, making it that much more difficult to spread the risk and keep premiums and costs affordable.

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Posted by:
Michael Higgins

Posted on:
February 27th, 2012

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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

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Federal Disability Insurance And The Economy


A fairly recent phenomenon is occurring in the Arizona health insurance market. Inquiries into Medicare supplement policies for those under the age of 65 have risen dramatically in recent months. An applicant for Medicare disability benefits that is under the age of 65 must have a qualified disability to enroll in the federal program. As Medicare disability does not cover 100% of medical expenses one may incur, supplement policies are purchased to pick up the remaining costs. In Arizona there are no health insurance companies offering Arizona Medicare supplement policies to those under 65 any longer, forcing applicants to enroll in Medicare Advantage type plans.

But why the dramatic increase in mental disability claims, and the corresponding increase in Medicare enrollment for those under the age of 65? As President Clinton was apt to say, “It’s the economy stupid.” As the long-term unemployed run out of benefits, they are turning to other safety nets to continue receiving money to survive in these tough times. Unlike unemployment benefits that have a limited benefit period, mental health disability benefits are usually for life, a cost the American taxpayer now must pay to the tune of $200,000,000,000 a year! 10.5 million disability checks now go out each month, a record number. Adding to this gloomy situation is the fact that these unemployed individuals are no longer included in the national unemployment figures, giving the general public false hope that the economy is getting better.

Medicare’s disability fund is projected to run out of money in six years, though this may happen much more quickly if the upward trend of applicants continues at it’s current pace. It is estimated that 25% of those awarded disability benefits through Medicare are the long-term unemployed that have run out of unemployment insurance.

Another question that remains unanswered is why there are no longer any Arizona health insurance companies offering Medicare supplement policies to those under the age of 65. An educated guess would be that these insurers are concerned with the affects of, “adverse selection.” If Medicare disability benefits for those with mental issues are the easiest to qualify for, and 25% of the newly enrolled are those that have been unemployed for over 99 weeks or more, the chances of these individuals filing claims on a long-term, consistent basis will rise exponentially.

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Posted by:
Michael Higgins

Posted on:
February 21st, 2012

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