If you are diagnosed with an unexpected illness, you want a health insurance company that will provide you with a high level of care. While no health insurance company is perfect, you can find the best health insurance company for you based on your needs, wants, and budget.
united health
advantages
- own network of more than 1.1 million doctors and health workers together with more than 3000 hospitals.1
- Wellness programs include online weight loss support and rewards for reaching health goals.2
- global services provide health coverage for expats.3
- some wellness programs are only offered for employer-sponsored plans.4
- in some cases, the patient may need to file claims.5
- centralized collaboration between medical professionals from all specialties can speed diagnosis and coordinate treatment.6
- all adult members get free access to calm and mystrength.7 mental health and emotional wellness apps
- remote-monitoring technology allows clinicians to track diabetes and hypertension in patients year-round.8
- Coverage is only available in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, and the District of Columbia.9
- Members must select care through the Kaiser Permanente network of doctors and specialists.10
- In some states, patients can get their health care needs met at walk-in clinics.11
- some plans offer a 20% discount on cvs.12 brand health care products
- aetna offers preferred provider organization (ppo), health maintenance organization (hmo), and exclusive provider organization (epo) plans.13
- The claims process can be complicated, including the need for a referral letter from your doctor for certain services.14
- out-of-network health care providers may not be covered by some plans.15
- ACA individual health plans are only available in four states.16
- the largest medicaid managed care organization in the united states.17
- has an international presence through subsidiaries in central europe, spain and the united kingdom.18
- relatively young company, founded in 1984.19
- not available in the 50 states.20
- more than 67,000 contracted pharmacies in the network.21
- Over 175,000 mental and behavioral health care providers in network.22
- over 1.5 million relationships with healthcare providers, facilities and clinics around the world.23
- Individual and family health insurance plans are only offered in 13 states.24
- virtual care/telehealth is not available for all health plans.25
- Coverage available in all 50 states, Washington DC and Puerto Rico.26
- The network includes more than 1.7 million doctors and hospitals.27
- bluecross blueshield consists of 35 separate companies, which may have different policies and procedures.28
- If you move to a new state, your bluecross blueshield insurer may change.29
cons
Kaiser Permanente
advantages
cons
etna
advantages
cons
rye
advantages
cons
cigna
advantages
cons
blue cross blue shield
advantages
cons
need help finding health insurance?
find affordable health care that’s right for you
frequently asked questions
When shopping for health insurance coverage, check out the company’s background to get an idea of their priorities. Also, look at their financial and customer satisfaction ratings to see what others think of the insurer. then make sure the company offers the type of coverage you need.
methodology
We select the health insurance companies with the highest market share and review them for financial strength, customer satisfaction, and other factors such as factual information about the companies, including financials, customer satisfaction, complaints, the geographical scope, the prices and the total. insured
next steps
Choosing the right health insurer is not a decision to be made lightly. take the time to do your research so you can find an insurer, and a plan, that won’t let you down.
The views and opinions expressed are those of the authors and do not necessarily reflect the official policy or position of healthcareinsider.com or healthcare, inc.
