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How To Choose The Best Health Insurance Companies In 2019

Looking for the right health insurance policy based on your region, your needs, and your income can often be a daunting process. Many health insurance companies are out there with relatively good reviews, so how do you know which one will suit your needs best? Fret not, for here we have compiled some of best health insurance companies based on your needs. Find out which of these is the one for you!

Best for Health Savings Plans: Kaiser Permanente

Founded in 1945 by Henry Kaiser and Sidney Garfield, Kaiser Permanente have their services in Hawaii, Washington, Oregon, California, Colorado, Maryland, Virginia, Georgia, and the District Of Columbia. They have health plans, their own hospitals, and regional medical groups. Over the years, they have earned the trust of their customers and have won numerous awards and accolades. Many customers have given them positive reviews since their doctors are salaried and are not paid by fee-for-services rendered. Also, they emphasize on preventive care that helps a patient avoid medical conditions that might require long hospital stays. Thereby, they help in Health Savings Plans.

Best Large Provider Network: BlueCross/BlueShield

One of the largest providers of health insurance in the USA, BlueCross BlueShield Association is actually a federation of 36 separate health insurance companies and organizations. It caters to about 106 million people in the country and quite obviously has the largest provider network. Initially, BlueCross used to have coverage for hospital services while BlueShield had coverage for doctor’s services. Both providers were formed to cater to just a few in a particular region in the beginning. For example, BlueCross was the brainchild of Justin Ford Kimball and was developed to help the teachers from Baylor University in Dallas for their medical fees. Having such a large network helps customers to choose from various kinds of plans and a number of doctors. Additionally, customers can choose within the network and save a lot of money.

Best for Online Care: UnitedHealthcare

To those who have a time crunch and can’t really go in person to make appointments or file claims, UnitedHealthcare is just the insurance for you. It has been featured at the #5 spot in Fortune 500 companies and is the largest healthcare provider in the world with a revenue of $226.2 billion (2018). They served about 115 million people in 2016. One of the main reasons they have been able to grow this much is probably because of the fact that their online service is as flawless as their actual service. Patients can pay their bills, file claims, make doctor’s appointments, talk to a nurse during an emergency, and do several other things online. An easy-to-use mobile app makes it even more convenient for patients to be on top of their health insurance portfolio. It is a great insurance company for millennials or tech-savvy individuals.

Best for Employer-Based Plans: Aetna

One of the best-rated insurance companies, Aetna provides a large network for its clients and is available in all 50 states of the USA. Their plans include preventive care, doctor visits, hospitalization, immunizations, and many other services. It is a subsidiary of CVS Health. Named after Mt. Etna, it descended from the Aetna (Fire) Insurance Company of Hartford. Their large network ensures that clients can always find a provider within the network. However, out-of-network doctors with a license are also eligible, though the cost is higher. Due to various employer-friendly features, Aetna has emerged as having the best plans for companies who want to provide insurance for their employers.

 Best for Wellness Care: Molina Healthcare

With its headquarters in Long Beach, California, Molina Healthcare is one of the best providers in terms of wellness care. Many of their plans come without a co-pay. They usually have coverage for doctor visits, hospitalization, vaccinations, lab tests, x-ray, vision wellness, preventive care, dental, and many others. They provide insurance through government programs like Medicare and Medicaid. It was founded in 1980 by a doctor named David Molina. When he found patients flocking to the emergency room with trivial issues like sore throat, flu, and other common ailments and doctors turned them down due to lack of insurance, he decided to come up with an insurance that would cater to the low-income group. At present, they have offices in  California, Florida, Idaho, Illinois, Michigan, Mississippi, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin.

So, assess your situation and choose wisely!

 

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