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Health insurance companies

Top 10 Health Insurance Companies in the United States

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BEST HEALTH INSURANCE COMPANIES IN USA   

Health insurance companies

WHAT IS HEALTH INSURANCE?

Health insurance is an arrangement with an insurance company that can help you afford the costs of health care. Health insurance works by spreading cost among members, which means that insurance paid by one person helps pay for the care of others.

TYPES OF INSURANCE PLANS

Health insurance companies

  •    Group health insurance otherwise known as employer-based coverage. This type of insurance offers discounted coverage for a large pool of mostly healthy people and the cost of premiums are split by the employer and Employee.
  • Another type of insurance is individual health insurance which covers a single person or family. It’s paid entirely by the purchaser. In this case premiums can vary based on the age of the purchaser and they typically offer fewer benefits than group insurance.

Health Insurance Decision Support Tools

Both group health insurance and individual health insurance are commonly referred to as commercial insurance plans but there are government sponsored health insurance plans as well like Medicare or Medicaid. These plans are obtained through a government agency or program and usually cater to those who have special circumstances like children, the elderly, veterans or active service members and those with low incomes. In these plans costs are split between the government and the insured.

 HEALTH INSURANCE PLAN

Health insurance companies

The right health insurance plan can go a long way toward assisting you in covering your expenses and reducing the likelihood that a serious illness or injury will result in financial ruin for you or your family. By comparing plans from the best health insurance companies, it is possible to find coverage that is tailored to your needs while also being within your financial means. A list of the best health insurance companies has been compiled to assist you in determining where to begin your search for health coverage. Let’s start with our list.

TOP 10 HEALTH INSURANCE COMPANIES

Health insurance companies

10- HealthCare Service Corporation: According to the Ethisphere institute HealthCare Service Corporation HCSC is one of the world’s most ethical Companies with 15 million members in five states. HCSC has 3.42 of the healthcare market shares and is the largest consumer-owned health Insurance because it offers a variety of HMO options this organization has comparatively low premiums. There are also a lot of online tools and wellness programs available.

9- Capital District Physicians Health Plan: Some of the highest rated plans in the market are offered by this not-for-profit physician-directed health plan. CDPHP’s health plans received top rankings and the company’s Medicare advantage plan also received strong marks. These plans are available in 29 of the 62 counties in New York. Eight of the company’s 15 board members are doctors.

8- Harvard Pilgrim: This non-profit organization in new England has 4.5 rated plans in two states Maine and Massachusetts one of which also received a 4.5 for prevention and a 4.0 rated plan in New Hampshire. Harvard pilgrim and united healthcare have partnered to offer the Harvard pilgrim passport and access America Plans which give members access to a nationwide network of doctors, hundreds of hospitals and flexible health benefits.

7-Health Partners: This corporation sells Medicare plans in Minnesota, Wisconsin, North Dakota, South Dakota, Iowa and Illinois. All three of its private plans received a 4.5 overall rating. Diabetes patients may appreciate this plan because one of health partner’s pledges to customers is to supply monthly insulin refills.

6- United Healthcare: This consumer-driven digital healthcare includes wearables for diabetes management, infant smart monitors and activity trackers that can offer monetary awards to their users. Eleven plans in five states earned a 4.0 overall rating. 24 of its Medicare advantage plans earned top marks including the well-known Sierra health. United provides health benefit programs for individuals, employers with more than 1.3 million physicians and 6500 other healthcare facilities in the United States.

5– Kaiser Foundation Health Plan: A plan in mid-Atlantic states receiving a top overall score of 5.0 and seven other plans ranging from Georgia to California receiving 4.0 to 4.5 ratings the nonprofit insurer Kaiser Foundation Health Plan won exceptional ratings for private Insurance. Kaiser was also a victor in the Medicare advantage market with eight plans in the top.

4– Human: Eyeglasses and contacts as well as dental checkups crowns and Appliances are frequently not covered by health insurance coverage human a broad-based health and well-being organization provides private policies in all of these areas and it offers a variety of plans for people with chronic illnesses including transitions from the hospital to home care and meal delivery. Human is also one of the firms that provides special needs insurance for persons who have a severe or disabling chronic ailment or who are in a long-term care facility.

3-Cigna: This global health service corporation serves 17 million medical clients globally through a global network of 1.5 million healthcare professionals who have access to doctors in more than 30 Countries. It employs over 70,000 people. Cigna joined forces with express scripts, the nation’s largest pharmacy benefit manager in 2018 to decrease costs and Improve treatment following in the footsteps of Aetna and CVS health. In the United States four private Cigna plans received the highest rating although Cigna was a top performer in customer satisfaction in Illinois Indiana Virginia new jersey and Ohio.

2- Blue Cross Blue Shield: Blue Cross Blue Shield of California ensures one out of every three Americans anthem independence. Hawaii medical service association, Highmark and Wellmark are among the state plan’s names while the 35 independent and regionally controlled blue cross blue shield firms operate in all 50 states of Washington dc and Puerto Rico. More than 80 of doctors and 90 of hospitals in the United States work with blue cross blue shield firms. In 2019 the firm was awarded moderate to high ratings to more than 40 blue cross blue shield corporate plans based on clinical quality and member satisfaction while 10 anthem plans including some with lower overall ratings performed admirably in the customer satisfaction category. Blue Cross Blue Shield offers group insurance, individual policies through healthcare, government and Medicare plans in a number of options.

1-Aetna: In 2019 Aetna Medicare advantage plans sold in 37 states and the district of Columbia got top ratings 4.0 or higher with Connecticut and Maine standing out. Aetna Medicare advantage plans are accessible in 264 new counties across the US since 2020 offering coverage to millions more Medicare enrollees. In addition to prescription medication coverage the insurer distributes Medicare supplement plans medigap in all 50 states. In addition to these they provide a supplemental Medicare program that combines dentistry vision and hearing in several states. Aetna is a large supplier of employer-based health insurance in the private sector. In 2019 four Aetna plans serving Idaho, Iowa. Pennsylvania, Utah and Wyoming were ranked first, while the Ohio, Maryland and Virginia Aetna plans were ranked second by the power US commercial health plan study in 2021. Furthermore, Aetna’s pricing appears to be lower than that of several competitors.

 

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