When it comes to choosing the best health care insurance company, there are some factors you should consider such as customer service ratings, financial strength, policies, affordable plans, and coverage benefits.
The major thing is to find an insurance company that offers affordable plans that meet your immediate needs and is close to the area you live in. The city you live in is a very important factor to consider as it will be a major determinant of the insurance company you use.
It’s not easy to get an insurance company that satisfies your every need but here is a list of the top three insurance companies that offer the best and most affordable plans:
1. Kaiser Permanente
Kaiser Permanente is one of the best insurance companies with so many excellent reviews. It has a network of hospitals and health care facilities and offers good health care services.
It has received several customer service awards from J.D. Power & Associates and has laudable financial ratings.
Kaiser Permanente serves the following states:
- Washington state
This company has a network of over 22,000 doctors and physicians. If you live in any of these cities, you can choose from any of the insurance plans.
The company offers four plans: bronze, silver, gold, and platinum plans. Except for the platinum plan, other plans give you the freedom to have a health savings account (HSA).
2. Blue Cross Blue Shield
The Blue Cross Blue Shield (BCBS) Association has coverage of more than 190 countries. More than 100 million Americans use this company for their health insurance. There are 36 BCBS companies in the U.S. and they all have excellent financial ratings.
Concerning insurance plans, a regular BCBS member has three options for members to choose from:
- Health maintenance organizations (HMOs)
- Exclusive provider organizations (EPOs)
- Preferred provider organizations (PPOs).
The HMO plans are all-inclusive and very affordable. The only drawback is that members cannot access doctors outside the health maintenance organization.
The EPO plan makes use of carefully selected provider networks. It also includes policies that support and maintain the health care of all its members.
The PPO plans are more flexible and allow access to a large number of participant doctors. The PPO doctors are so many; there is always at least one in every city.
3. United Healthcare
United Healthcare is a subsidiary of UnitedHealth Group, and it is the largest healthcare insurance company in America. Its insurance policies are in line with the specifications of the Affordable Care Act for fundamental health care.
An exciting feature of this company is that its members have access to online care. They can also order drug prescriptions and interact with a nurse or doctor through a hotline.
A member can also attend online health care seminars. You can even download the mobile app on your device to enjoy 24/7 online services.
Most people prefer online health care services and UHC is the best choice for online health care. UHC also has HMO and PPO plans that provide HSAs as well. For members, there are special discounts available for items and services such as hearing aids, vision services, and smoking termination programs.
UHC has a massive network of more than 1.3 million doctors and health care professionals. The company also provides Medicare Advantage HMO and PPO plans.