The Best Health Insurance Companies – What is the best health insurance company in the US? It’s hard to know how to start sorting through the multiple options when your employer offers a range of health plans or when you need to choose a private health insurance policy.
We’ve done some legal work for you by examining which US health insurance companies rank first in factors like prevention, treatment, and customer satisfaction. We selected nine companies with a wide range of products, including national suppliers and several top-rated regional companies.
To find the best policy for you and your family, you can start by entering your zip code and then other information on the health insurance companies website. You will be directed to the policies available in your area that match your situation, where you can compare the options of local doctors, hospitals and pharmacies. You can also find a range of premium fees, discounts, and other expenses that are the best option for you.
9 Best Health Insurance Companies
Blue Cross Blue Shield
One in three Americans has health coverage from Blue Cross Blue Shield. Names on the various state plans include Anthem, CareFirst, Highmark, Independence, and Wellmark, but 35 independent companies operating locally Blue Cross Blue Shield open in all 50 states, Washington, D.C., and Puerto Rico. Nationwide, more than 80% of doctors and 90% of hospitals have contracts with Blue Cross Blue Shield companies — more than any other health insurance companies, according to the company.
In 2019, more than 60 Blue Cross Blue Shield package companies received moderate to high NCQA ratings based on clinical quality and member satisfaction, while many Anthem packages – including some with low overall ratings – achieved impressive scores in related areas. customer satisfaction.
Blue Cross Blue Shield offers employer insurance, individual policies on health.gov, and a variety of Medicare plans (Medigap, Part D prescription drugs, Medicare Benefit).
It’s no surprise that a company that sells a product called Global Health Advantage tops our list of international coverage. This global health insurance companies has 17 million medical customers worldwide served by a global network of 1.5 million healthcare professionals with access to physicians in more than 30 countries.
It has more than 70,000 employees. Cigna followed in the footsteps of Aetna and CVS Health in 2018 by partnering with Express Scripts, the nation’s largest pharmacy benefits manager, in a deal aimed at lowering costs and improving care.
In the United States, the Six Cigna plan received a four-star rating in 2021. Although Cigna was the top performer for customer satisfaction in Illinois/Indiana, Virginia, New Jersey and Ohio in the 2021 US Commercial Member Health Plan Study by JD Power, it was ranked among the worst in the industry for member satisfaction by the American Customer Satisfaction Index (ACSI) in 2020.
Cigna sells medical packages in 13 states and dental packages in 50 states, plus DC. Cigna sells individual packages on health.gov in 313 counties in 13 states. Cigna is also expanding its Medicare Advantage plan in 2020 to a total of 369 states in 23 states, adding coverage in 5 new states for 2021.
It received the highest NCQA rating (4.0 or higher) in 2021, with an impressive 42 Aetna Medicare Advantage plans sold in 37 states and the District of Columbia, Connecticut, and Maine standing out. In 2020, Aetna Medicare Advantage will be available for prescriptions in 264 new states across the country, giving millions of more Medicare recipients access to the Aetna plan. Insurance companies also sell Medicare supplement plans (Medigap) in 49 states. In addition, they also offer a range of Medicare dental, vision, and hearing products in many states.
In the private arena, Aetna is a major provider of employer-based health insurance companies. Four Aetna plans serving Iowa, Pennsylvania, and Utah make up the NCQA’s top rankings in 2021, and J.D. United States Power Plan 2021 ranks Aetna’s plan second in Ohio, Maryland and Virginia. Additionally, Aetna’s pricing appears to be lower than many of its competitors.
In November 2018, Aetna became part of the CVS Health Company, and synergy between the two began to emerge. For example, when Aetna Medical Plan customers experience high blood pressure, they will get a free home monitor service at CVS. Chronic disease tracking may also be available at CVS stores.
Health insurance companies policies do not usually cover costs such as eyeglasses and contact lenses; Or check your teeth, crowns, and appliances. Humana, a large-scale health and wellness company, sells private policies in all of these areas, and has a range of plans for people with chronic conditions that include moving from hospital treatment to home care and food delivery.
Humana is also one of the few companies that offer special needs policies for people who have severe chronic conditions, are disabled or live in long-term care facilities. As of 2018, Humana no longer offers individual medical plans, focusing on healthcare solutions for employers, as well as providing Medicare plans.
24 Humana plans received a four-star or better rating from the NCQA in 2021. Humana leads the customer satisfaction package among health insurers in 2020, according to data from an ACSI survey. Humana’s HMO policy is relatively affordable.
Kaiser Foundation Health Plan
The nonprofit insurer Kaiser Foundation Health Plan Inc — part of Kaiser Permanente — won premium ratings for private insurance, with one plan (Mid-Atlantic State) receiving the highest overall NCQA score of 5.0 and the other seven plans, from Georgia to California, earning a profit. 4.0 to 4.5 rank.
In the Medicare Advantage arena, Kaiser was also the winner with 10 top-tier plans. Health insurance companies operate in 8 states (California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia and Washington) and Washington DC.
All personal Kaiser plans and highly rated Medicare Advantage plans are HMOs. This is good news for those who need budget health insurance because HMOs have lower premiums, no deductibles, lower co-participation and prescription drug costs. The downside of HMOs is that – except in emergency situations – you can only use doctors, hospitals and other services on the network. However, the plan offers the same basic elements as the PPO plan. Kaiser policies have relatively low premiums.
Want to track your health on your Apple Watch? Submit a claim, arrange an appointment with a doctor and find a doctor online? United Healthcare’s 2019 annual survey revealed that 37% of consumers shop for healthcare using a computer or mobile app.
The health insurance companies is pursuing “consumer-driven digital healthcare,” which includes wearable technology for glucose management, smart monitors for high-risk infants, and activity trackers that enable fitness participants to win cash prizes.
Two United Healthcare Private Plans (one in Rhode Island, one in Minnesota) scored an impressive 4.5, while 8 packages in seven states (North and South Dakota, Iowa, Massachusetts, Nebraska, New Hampshire, and Wisconsin) scored a 4.00 in the NCQA overall standings. 29 great Medicare Advantage plans have earned high marks, including many sold under the Sierra Health and Life Insurance Company, Inc.
United offers a variety of health benefits programs for individuals, employers, and Medicare and Medicaid recipients. It contracts directly with more than 1.3 million physicians and care professionals in addition to 6,500 hospitals and other care facilities across the country.
HMO and PPO packages are available with access to a Health Savings Account (HSA) and Flexible Spending Account (FSA). The policy may be a little more expensive than some of its competitors, but it may be worth the extra features.
Under the names of Group Health Plan, Inc. and HealthPartners Insurance Company, the company sells Medicare plans in Minnesota, Wisconsin, North Dakota, South Dakota, Iowa and Illinois. His three personal packages earned 4.5 overall NCQA scores. People with diabetes may like this plan, as one of HealthPartners’ promises to consumers is an insulin supply of no more than $25 per month.
In general, the health insurance companies offers three separate plans in Minnesota and two separate plans in Wisconsin, depending on where you live and your coverage needs. Those who live in the HealthPartners insurance area in Minnesota have the most options available.
This New England nonprofit has packages rated at 4.5 in two states (Maine, Massachusetts), and packages rated at 4.0 in New Hampshire. The Harvard Pilgrim American Passport and Access plan is offered jointly with Harvard Pilgrim and UnitedHealthcare, allowing members to access a giant network of physicians across the country, thousands of hospitals, and flexible health benefits.
Capital District Physicians’ Health Plan
This doctor-directed health plan has some of the highest rated plans in the business. Two packages had an overall NCQA score of 5.0 and were among the eight private national packages that scored 5.0 in consumer satisfaction. CDPHP’s third plan is close to the top with a 4.5, and the company’s Medicare Advantage plan scores highly. Packages are available in 29 of New York’s 62 counties. The health insurance companies notes that eight of the 15 board members are physicians.
Thus the explanation of the best health insurance companies that we inform you all. Hopefully the above explanation can help you choose the best health insurance service for all of you according to your needs. And hopefully useful.