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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”

Arizona Health Insurance


Arizona health insurance is becoming more and more involved these days. Every segment of society has been affected by the new federal health insurance law referred to as “Obamacare.” Policies to insure children separately, known as child-only plans, are no longer available in Arizona due to Obamacare. The law’s requirement that Arizona health insurance companies accept all child applicants on a guaranteed issue basis forced insurers to stop offering such coverage. This was a great loss for the Arizona health insurance market. Child-only plans were an affordable alternative for parents faced with very high group health insurance premiums through an employer.

The disabled have also been affected. For those under the age of 65, disabled, and having Medicare A&B, there is no longer any Arizona health insurance companies offering Medicare supplement coverage for these individuals. Their only choice now is Medicare Complete type plans which typically have a limited list of physicians to choose from, a local service area, and many other restrictions not found in true supplement plans.

For adults 18-64, higher premiums every few months has now become the norm. For over thirty years Blue Cross and Blue Shield of Arizona limited their rate increases on individual products to once a year. This was standard practice with all carriers. Now Arizona health insurance companies must re-evaluate their premiums every few months due to a continual stream of new mandates being issued from the Health and Human Services department. The latest mandate requires all insurers to pay the total bill for contraceptives. “Free,” contraceptives have a price, and all part of quarterly rate increases. As they say, if you thought Arizona health insurance was expensive now, just wait until it’s free.

Most in the Arizona health insurance business are anxiously awaiting the Supreme Court’s decision on Obamacare, as are millions of small business owners across the country. The law must be thrown out in it’s entirety. As time goes by insurers and their policy holder’s are learning just how seriously flawed this law is, and how expensive. Employers of all sizes are sitting on the sidelines, not investing in their businesses and hiring additional help until they have a clear picture of what their tax and insurance liabilities will be for the next few years. Until a firm dollar amount can be tied to the true cost per employee with Arizona health insurance, and other costs associated with hiring, it should be of no surprise that the Arizona economy, and that of the nation’s, will remain stagnant.

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Posted by:
Michael Higgins

Posted on:
February 13th, 2012

Posted in:

Religious Freedom At Risk


President Obama has decided to postpone the issue of contraceptive coverage until after the elections. It is a touchy subject, one that has the Catholic church up in arms.

Obamacare mandates that all group health insurance policies must cover contraceptives under the preventive services benefit these policies offer, including medications that can abort a baby, and do so at no cost to the policyholder. Catholic universities and hospitals have a problem with this of course, as it forces them to cover abortion.

As I have mentioned many times in these blog posts, the main purpose of Obamacare is not to insure more people, it is to force group health insurance companies out of business and drive the insured into Medicaid or other similar government run health insurance plans. These Catholic entities will now be forced to drop their group health insurance policies so as not to facilitate abortions, their employees forced to turn to the government for their health insurance. It is a win win for this administration. Employees of these institutions will be forced into a government group health insurance plan, and the government will collect billions of dollars in fines assessed these institutions that do not provide group health insurance with free abortions.

Again, the more people that are dependent on the government for their health insurance needs, the more voters you have for your party.

Michael Higgins

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Posted by:
Michael Higgins

Posted on:
February 1st, 2012

Posted in:

Obamacare and Job Loss


Nancy Pelosi’s oft quoted statement about passing Obamacare so that we can, “find out what’s in it,” has come back to haunt the American people once again.

There are jobs in China included in the Obamacare mess, what’s not in it are jobs for Americans. Boston Scientific, a medical-device manufacturer, recently announced that they will cut up to 2700 jobs in America to save money and remain competitive. The company also announced that they will hire 1000 people in China. The most shocking part of the announcement was the reason given for this move overseas. Apparently the company feels that there is less government oversight in China, and lower costs of course thanks to the lack of unions. Not in my lifetime did I ever think China would be more business friendly than the U.S.A.

Obamacare has a new tax buried in the 2000 plus page law, one that adds a 2.3% tax, in addition to other taxes paid, on medical-device makers. This is business, where 2.3% can be the average profit margin of an entire industry, and adding such a tax can cause huge ramifications. Simply adding this extra cost onto the final price tag of the device is not an option. Competition from abroad won’t allow such a thing, along with the fact that our government continues to cut reimbursement rates on these devices instead of cutting benefits as they must.

It’s not as though Boston Scientific and all the hundreds of other medical-device manufacturers did not warn the administration before Obamacare was passed into law. They made it very clear that many jobs will be lost in America and go elsewhere if the tax survived in the final law. It did survive, and the jobs are gone, resulting in thousands of Americans out of work and on unemployment insurance and food stamps.

Michael Higgins

www.higginscompanies.com

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Posted by:
Michael Higgins

Posted on:
January 31st, 2012

Posted in:

Cost Of Obamacare


The Centers for Medicare and Medicaid has released a study affirming what most knew already, we are all paying more for health insurance now thanks to Obamacare. Why wouldn’t costs rise, combine rich benefits with mandated cost controls, something must give. Tell a company to insure everything under the sun, yet not allow them to charge accordingly will simply drive competition into the ground and raise prices for those companies that survive.

The solution is fairly simple, and it has less to do with government intervention such as Obamacare, and much more to do with personal responsibility. Allow everyone to buy their health insurance on their own, nothing to do with employer sponsored group coverage. Let them shop policies in every state, and keep the federal tax incentive to save money and shop their health care, the HSA, (health savings accounts.)

For those that are non-insurable, have a federal high-risk pool, something that exists now thanks to Obamacare. The cost of the federal high-risk policies will be billions less than the $3-$5 trillion dollar Obamacare fiasco. For those that can’t afford the health insurance premiums, help them, subsidize their premium with one very large caveat… No more subsiding premiums for those making 400% or less of the poverty level as Obamacare will begin doing in 2014, lowering this percentage to 100% or less.

Health insurance is not rocket science, it is simply about spreading risk. Health insurance, or any insurance for that matter, is not about covering every conceivable medical expense for the least amount of money out of pocket. Health insurance is designed to keep you out of the poor house, but when a claim occurs it should hurt financially, nearly as much as the injury or illness itself. Pain is a great motivator, especially financial pain. More times than not it forces the individual to make changes in their life, eliminating risky behavior that likely caused the claim in the first place. Of course there are health conditions that have nothing to do with how one lives their lives, and these are claims that health insurance is designed to cover.

Obamacare is about putting for-profit and non-profit health insurance companies out of business, a stepping stone to a government run plan filled with handouts at the expense of the 50% that pay taxes. Give something for, “free,” make the individual dependent on the freebie, and you have a voter for life.

Michael Higgins

www.higginscompanies.com

 

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Posted by:
Michael Higgins

Posted on:
January 30th, 2012

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