When choosing the best health insurance company for your needs, it all comes down to doing your research.
With every company excelling at different things like customer service ratings, claims service, plan prices, policy offerings, coverage benefits, and provider choices, start by thinking about what you need, how much you can afford to pay what is available around you.
Check out some of the best health insurance companies you should consider if you’re in the market for one.
Kaiser Permanente is one of the top options in California, Colorado, Maryland, and the Northwest and South Atlantic regions. According to a recent study, 49% of people would recommend it, while 90% of its current customers plan to renew their policies.
Great customer service
Health savings account features
Multiple kinds of health plans to choose from
Available in limited areas
Blue Cross Blue Shield
These BCBS health care organizations offer one of the most comprehensive plans nationwide, though medical professionals’ choices are kept strictly within the network.
No matter which state you live in, you can find a healthcare facility that accepts BCBS.
Several policy options
Choice of plans irrespective of how much coverage you want.
Complaints about several BCBS companies range from difficulty getting medical procedures approved to coverage denials and limited PPO choices.
UnitedHealthcare has excellent financial strength ratings. Its vast network of PPOs across the nation and its online health care services are amongst its biggest strengths.
Extensive PPO network
Online health care services
Average or below-average customer satisfaction ratings
With five stars in overall customer satisfaction for the Delaware, West Virginia, and Washington D.C. areas, Aetna is in a good place. It has excellent financial strength ratings, and coverage is available across America.
Wellness programs available
Website and apps don’t share their five-star status
Only 75% of customers say they would recommend it
Cigna has excellent financial strength ratings. Another upside is that out-of-network approvals are unnecessary, and its exceptional telehealth services are available to all members.
Out-of-network care is possible even without a referral
Highly-rated telehealth services
Available only in select areas