Welcome to Michael Higgins Insurance, LLC. Michael Higgins has more than 40 years of experience in the health and term life insurance business in Arizona.
Health Insurance In Arizona
In the past, the best way to save on health insurance was through a policy at work where the employer paid the entire premium. In order to ease the ever increasing rise in health insurance premiums, many companies, large and small, are asking their employees to help cover some of the costs.
Michael Higgins Insurance recommends that clients choose the highest deductible offered. The higher the deductible, the lower the monthly premium will be. Many families are choosing the Blue Cross Blue Shield of Arizona option where they are able to combine a high deductible family health insurance plan (HDHP) with a family health savings account (HSA). HSAs are like IRAs for your family health insurance. The BCBSAZ qualified HSA plan for individuals, families, and groups is the Portfolio plan.
Health Insurance In Arizona
Health insurance from Blue Cross Blue Shield of Arizona assures that your children will have access to the very best health care. Health insurance coverage for preventive care such as routine doctor’s check-ups, physicals, immunizations and vaccinations, and well-baby care is vital to ensuring your children stay healthy. Preventive care may discover the early signs of illness before it turns into a serious condition. Like so many things in life though, there are several schools of thought on this matter. Some extensive studies have concluded that preventive care does not lower the cost of care, and in fact increases the cost of health insurance in Arizona, article.
Call us today at (602) 405-8769.