Introduction
Nobody plan to get sick, getting sick is not a choice. You never know when you will get sick, one day you will be all fine, and the next day you might be lying on your hospital bed. Having a good health insurance policy provide you with the best health treatment and you can stop worrying about the medical fee. If you have good health insurance you are doing yourself the biggest favor, hence, you can just relax about any medical cost. Read this article to learn about the top 7 Health Insurance companies that are helping millions of people in the USA.
Importance of health insurance
Health insurance covers all the medical expenses. In case you met with an accident or have a need long term medical care then health insurance ensures that you get treated at the best healthcare facility.
Health insurance protects you from huge medical expenses. As we all know everything is getting more costly day by day and that includes hospital costs. Health insurance coverage is not only for major medical expenses such as surgery, insurance coverage is for all the hospitalization costs including preventative care, primary care, medical checkups, doctor charge, post-hospital care, etc.
7 Top health insurance companies in the USA
- Blue Cross Blue shield
- Kaiser Foundation Health Plan
- UnitedHealthcare
- Molina Healthcare
- Cigna Health
- Humana
- Aetna
1. Blue Cross Blue Shield
Blue Cross Blue Shield health insurance has earned high ratings from clinical analytics and customer satisfaction in the USA. In America, out of three people, one person depends on Blue Shield. Therefore, it is not surprising that Blue shield has over 1.7 doctors and hospital arrangements. Blue cross blue shield also offers varieties of medicare plans, individual health insurance, medicare advantage, prescription drug, and employer insurance. [s]
2. Kaiser Foundation Health Plan
Kaiser Foundation Health Plan is part of Kaiser Permanente. This non-profit insurer also operates in 8 states in the USA. The 8 states where Kaiser is operated are as follows: Washington Dc, Virginia, California, Colorado, Maryland, Georgia, Oregon, and Hawaii. The overall rating for Kaiser is 4.5 out of 5 and that’s pretty impressive.
3. United HealthCare
United HealthCare provides health benefits plans for employers, Medicaid, individuals, and families. It is among the 5 largest health insurance companies in the USA. All the 29 medicare advantage plans on United health have scored 4 to 4.5 out of 5, therefore, all the plans are highly rated. [s]
In United Healthcare the individual health insurance policies it is a Lil bit costly when compared with other health insurance company. However, the plans have many benefits like you can get access to the wellness program and other products such as dental care, Medicare and Medicare Advantage, Vision, Small-business health insurance, etc. United healthcare offers 5 different tiers of coverage plans for Individual health insurance.
4. Molina Healthcare
Molina healthcare operates in eighteen states. However private health insurance is applicable only to residents of South Carolina, Florida, Michigan, California, Washington Dc, Ohio, Texas, Mississippi Wisconsin, Utah, and New Mexico. Molina Healthcare offers low copay and provides essential medicare products.
The plans choices, insurance coverage options, and benefits differ by State. Molina healthcare programs are suitable for both individuals and families, also they are an excellent preventative care and wellness program. One of the downfalls of Molina health is it covers only limited territories and not nationwide coverage.
5. Cigna Health
Cigna Health has exceptional financial strength ratings. It is also one of the largest health insurance company in the USA. According to the ValuePenguin report, the total payer’s registration is around 20.4 million.
Cigna health provides a virtual first primary care program, and moreover, the program will be extended to Tennessee and Georgia as well. Cigna health insurance plans and insurance product also consists of health insurance cover for individual and families, dental insurance plans, Medicare plans, health insurance plans, supplemental insurance, etc.
In 2020 Cigna has broken among the top 10 largest health insurers on the affordable care act marketplace. The global health insurance provider also offers private health insurance to thirteen states in The United States of America.
6. Humana
Humana health insurers help its policyholder get the best health care by providing personalized health care. The Humana insurance policies are mostly for people who have severe diseases or disabling conditions and long-term medical care. Even Though Humana offers many health plans to its policyholder they don’t provide insurance coverage for certain expenses such as dental health, contact lenses, or eyeglasses.
Humana mostly focuses on medicare plans and healthcare solutions for employers.
7. Aetna Health Insurance
Aetna is an international medical insurance company. It offers Medicare plans to 14 states in the USA, Aetna health insurance has an excellent financial strength rating. In 2018 Aetna merge with CVS Health, Aetna provides Medicare, employers plans, and Medicaid but does not offer individual health insurance, or private health insurance.
Aetna’s provider network is large so the customer can easily locate this amazing health insurance company. You must have heard about Aetna Health insurance company from your friends or family, Aetna is much cheaper compared to all the other insurance companies. According to the real reviews on Aetna health Insurance, out of all the health insurance companies in the USA, Aetna health insurance is one of the best health insurance companies.
The Bottom Line
Everybody needs to have health insurance, as you never know when you will end up in a hospital bed.
Believe me! Having health insurance is such a relief. It is an accepted fact that life is unpredictable, anything can happen to you anywhere, anytime. So, the wisest and the smartest thing you can do is to have health insurance. Health insurance is indeed the most important thing everybody must have if they are concerned about their financial issues.
Additionally, when you have health insurance the benefits you get from health insurance are totally worth it because whenever you go to hospitals all the expenses will be taken care of by your health insurance company. The health insurance company not only deals with your hospital bills but also your medications, wellness care, primary care, post-hospital care, etc.
