A health insurance company provides a variety of health insurance plans to suit the needs of every individual, family, or business. Currently, the U.S. health industry is regulated by the Patient Protection Affordable Care Act (PPACA), commonly known as the Affordable Care Act (ACA) or Obamacare. While medical coverage may vary depending on your state, finding a health insurer offering the ideal health plan can be a tough and complicated process. But, we’ve prepared a comprehensive list of the best health insurance providers of 2019 in the U.S. to make it easier for you.
1. UnitedHealth Group – Best for Online Health Care
The largest single health insurance company in the United States, United Healthcare has a network of over 6,000 hospitals and more than one million health care providers. What makes UnitedHealth Group the leading health insurance provider is the virtual visits. This, is a 24/7 online support where members can speak online with a nurse help, order prescriptions online and pick them up at the local pharmacy, set appointments with the doctor and file claims.
Additionally, the company provides online seminars and educational materials through their wellness program at no extra costs. Their mobile app makes it easy to manage your medical coverage electronically while on the go. Members also get discounts on select health and wellness services such as infertility, hearing devices, dental care, and vision services.
2. Kaiser Permanente – Best for Managed Care
Kaiser Permanente has a large network providing health care services to eight states through their Kaiser Foundation Hospitals. Residents in the following states can benefit from their services:
- Washington, D.C.
Boasting of good financial standing and winning various customer service awards, they also provide online wellness programs such as health coaching, health guides, and medical resources. To get first-class services, you have to visit their facilities. Although the plan options vary from one state to another, policyholders in those regions have easy access to Kaiser Permanente’s network and facilities.
3. Humana – Best for Tax Savings
Humana is a health insurance company that serves small businesses with a minimum of two to 50 employees as well as individuals and families. Their plans also vary depending on the state you are in. The ease of accessibility and customer service makes it the top choice for most consumers. Humana primarily serves the south, west and Midwest regions, and it’s the dominant insurance company in Louisville, Kentucky. The insurer has a large online library covering health information, plus they offer rewards to members who decide to ditch bad habits and develop healthy lifestyle habits.
4. Blue Cross/Blue Shield – Best for Wider Network Coverage
The Blue Cross Association has the largest provider network extending to over 170 countries globally. They provide over 20 plan options to fit your budget and coverage needs. With over 39 organizations in the U.S. alone, Blue Cross members can choose between the HMOs and PPOs plans.
On the one hand, the HMO plan offers more savings but your choice of doctors is limited to those within the network. On the other hand, with PPO, you have more flexibility when it comes to choosing your doctor. In addition. you also get access to HSA and FSA plans. Blue Cross members get incentives such as WalkingWorks, a fitness program to keep them healthy and fit.
5. Cigna – Best for Telehealth Services
Cigna is an independent health insurance company operating in 12 states namely:
- North Carolina
- South Carolina
The insurer has over 500,000 physicians and a huge network of clinics, hospitals, pharmacies, and medical facilities. Cigna’s health insurance plans adhere to the nation’s coverage. In addition, members have vast access to an active and well-managed online portal for help with claims status, insurance ID cards and information about network doctors. Plus, the plan options, co-pay options, and deductibles are different in each state and members also benefit from the home delivery pharmacy, flu shot information, as well as an online rewards program.
6. Aetna – Best for Health Insurance Savings Plans
Aetna is one of the nation’s largest health insurance providers with a network of over 700,000 medical specialists and doctors. It stands out from the rest of the insurers for offering affordable healthcare plans to its members. Some of the services they provide include immunization, office visits, hospitalization, and preventive care. So, as a result, the large network provider makes it easy for members to find a provider under the Aetna umbrella in any part of the country. Plus, access to the Health Savings Account (HAS) plans also gives members more saving options.
It’s not easy to pick a health insurance company. However, knowing what they offer in terms of coverage, benefits, customer service, and the ease of access to doctors will help you make a wise choice. Furthermore, check the restrictions in your state and talk to friends and family to get a review of the companies from which they purchased their medical coverage.
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