Blue Cross Blue Shield Arizona Guidelines

30-360 Day Short Term

30-90 Day Short Term

Short Term Medical

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!!



Pre-existing conditions?

Applicants under the age of 65 will not be required to answer medical questions. Policies are guaranteed-issue during open enrollment, and during certain qualifying events throughout the year. Please note that BCBSAZ does not offer individual or family plans in Maricopa County in 2019.

Blue Cross Blue Shield Arizona Guidelines

Policy rates are primarily based on age, tobacco use, and where you live. 

Substantial underwriting guidelines have changed for the better in the small group health insurance market. Please contact Mike Higgins to discuss the possibility of obtaining a small group plan, and any financial assistance that may be available for your group. On the state level, the Arizona Department of Revenue has a program that helps pay a portion of the premium for up to three years for certain small groups ($1000 a year single employee/$3000 a year family.) There are no salary limitations, but the group must not have offered group health insurance in at least six months, headquartered in Arizona, and in business at least one year. Please call Mike Higgins at 602.405.8769 for further details on these programs.