Arizona Health Insurance

Whether interested in Arizona individual health insurance, private family health plans, or small group health insurance policies, you are a click or phone call away fron viewing premium rates and plans from Blue Cross and Blue Shield of Arizona. You may also apply for individual and family coverage through this website. There is no application fee when applying online. To get started simply click on the, “Free Online Quote,” box to the right. No personal information is required to receive an instant quote, just your age, zip code, and whether a tobacco user in the last year or not. Please note that the premium rates quoted are the, “Preferred Rates.” Depending on whether certain pre-existing conditions are present, your rates may increase by 15%, 35%, 55%, or 80%. Approximately 51% of all applicants receive the Preferred rates.

For further information on Arizona health insurance please visit my other website, www.higginscompanies.com. It has extensive information on maternity options, health savings accounts, (HSA,) and many other topics dealing with Blue Cross and Blue Shield of Arizona.

I’m easy to reach, 602.405.8769. Give me a call anytime, any day, the fact is that I like discussing Arizona health insurance. Whether you are shopping for health insurance or not, possibly you just have a question about medical insurance in general, how deductibles work, when they apply, etc. I’ll answer your questions, and will never try and sell you anything. One of the main reasons people do not like to deal with agents/brokers is that they feel the possibility exists that the agent/broker will try and sell them a policy based on commissions they will receive, or other reasons not in the clients best interest. By choice I only sell BCBSAZ policies, so there won’t be any surprise which company I recommend. They are a non-profit organization, their prices are the lowest when comparing apples to apples, they have a 92%-98% approval rating, they pay claims within 48 hours usually, and they do what they say they are going to do, always.

There will be no surprises or confusion when dealing with my agency. I sell Blue Cross Blue Shield of Arizona policies, nothing else. I receive 10% commission on individual/family policies, and 5.5% on small group policies.

Your monthly premium is the same whether dealing with my agency or directly with Blue Cross and Blue Shield of Arizona. For the last thirty years this is all that I have done. I don’t sell auto or home insurance, just health insurance. I do sell dental coverage, and the best of these is offered on the dental link, Click Here.

There are many fine health insurance carriers in the state. None of them, in my opinion, are as good a value as Blue Cross and Blue Shield of Arizona. As an example, my parents have been insured with United Health for years with a Medicare Complete supplement plan, and this carrier has treated my folks very fairly. Is there better coverage available to them with more flexibility as to where they receive care, and limit the maximum out of pocket expenses they may have, you bet. But in their particular case the coverage they have works for them.

I’ll be happy to discuss with you your options and what other health insurers offer. It is possible that I’ll suggest staying with the medical insurance carrier you have, or make recommendations regarding the type of coverage or deductible that would be more beneficial for your particular situation.

Michael Higgins

602.405.8769