What are the best health insurance companies in the United States? It is difficult to know how to begin the evaluation with its many options when your employer offers a selection of health plans or if you need to select a private health insurance or Medicare policy.
We have taken some legal steps for you by examining which of the more than 900 companies selling health insurance in the United States were ranked according to objective criteria for factors such as prevention, treatment, and customer satisfaction. We have chosen six recommended insurance companies with a wide range of widely available products, along with some highly rated regional companies.
To find the best policies for you and your family, you can start by entering your zip code and then other information on corporate websites. This will direct you to the policies available in your area and your circumstances, at which point you can compare your options from the doctor, hospital, and local pharmacy. You can also find a combination of great price, discount, and other expenses that are your best option.
The best health insurance companies.
- Aetna: the best of Medicare
- Blue Cross / Blue Shield: best for coverage across the country
- Cigna health insurance: the best for global coverage
- Human: the best 360 ° cover (spin)
- Kaiser Health plans: the best for a health fund
- United Healthcare Services Inc: the best advanced technology
- HealthPartners: Best Midwest
- Harvard Health Care: The Best of New England
- Capital District Physicians Health Plan (CDPHP, CDPHN): Best New York
The Best Medicare Advantages: Aetna
43 fabulous Aetna Medicare Advantage Plans have been sold in 37 states, as well as the District of Columbia, achieving the highest NCQA ratings, with Connecticut and Maine outstanding. More Medicare beneficiaries come to the Aetna Plan. 2 The insurance company also sells supplemental drug plans and prescriptions in all fifty states and the capital, in addition to combining dentistry with supplemental vision and hearing for a Medicare product in most states.
Privately, Aetna is a leading employer-based health insurance provider, and four Aetna plans serving four states rank first in the NCQA. The company no longer sells individual insurance on healthcare.gov, Aetna's plans in Utah and Pennsylvania were among the top scorers in NCQA, and Aetna was ranked the JD Power Regional "Best Consumer Satisfaction" in Delaware, Ohio, Virginia, West Virginia and DC4
Furthermore, Aetna's prices appear to be at a lower level than many competitors.
Aetna recently became part of CVS Health and synergy between the two began to emerge. For example, Aetna Medical Plan subscribers with high blood pressure can get a free home CVS monitor. Chronic disease monitoring may also be available at CVS stores.
Best Covered Nationwide: Blue Cross / Blue Shield
One in three Americans has healthy Blue Cross / Blue Shield coverage. 6. Names in various country plans include Anthem, Independence, Hawaii Medical Service, Highmark, and Wellmark, but the 36 locally run and independently managed Blue Cross Blue Shield companies open their doors in all fifty states. Nationwide, more than 96% of hospitals and 95% of doctors and specialists hire Blue Cross Shield companies, more than any other insurance company.
Thirty-one Blue Cross Blue Shield companies were highly rated by NCQA and 14 companies received good financial ratings, although many were not rated in this area. Zone. Eleven Blue Blue / Blue Shield Medicare Advantage Highly qualified plan. The blues offers employer insurance, individual policies at healthcare.gov and a variety of Medicare plans (Medigap, Part D Prescriptions, and Medicare Advantage).
Best for Global Coverage: Cigna Health Insurance
Not surprisingly, the company that sells a product called Expatriate Insurance will top our list of international coverage.9 Global Health Service Company has 170 million clients served by a global network of 1.5 million healthcare professionals and access to physicians in more than 200 countries. Its more than 70,000 employees provide services in more than 170 languages.10 It was recently integrated with Express Scripts.
In the U.S., four Cigna special plans scored highest in NCQA.1 Cigna is the best-performing customer satisfaction in New Jersey and the South East Central District according to the JD Power survey. Cigna also has one of the lowest complaints under the ACSI standard.12, Cigna sells health plans in 10 states and dental plans in all fifty, in addition to DC13 14 sells individual plans on healthcare.gov and recently entered 19 new markets.15 He expanded his care plans. Medicaid to 80 provinces in 17 states.
Best to cover the canopy: Humana
Health insurance policies generally do not cover expenses such as glasses and telecommunications. Dental exams, crowns and devices; Or prescription drugs. Humana, a large-scale health and wellness company, sells special policies in all of these areas, and has a set of plans for people with chronic conditions that include moving from hospitalization to home care and delivering meals. It also does not offer health insurance at healthcare.gov.17 Humana is among the companies that offer special needs policies for people with severe or disabling chronic conditions or who live in an institution.
NCANA is highly rated by four plans for Humana (Kansas / Missouri, Wisconsin, two in Illinois) and three Humana Medicare Advantage plans (Florida, Illinois, Tennessee) according to NCQA.19. Data from the ACSI survey was published, and consumers rated it as the highest for providing good access to primary and specialty care.
Best for Health Funds: Kaiser Health Corporation Plans
The nonprofit insurance company earned excellent private insurance ratings, with one plan (the Atlantic Ocean countries) scoring 5.0 from NCQA and eight other plans, ranging from Georgia to California, and rated 4.0 to 4.5. At Medicare Advantage, Kaiser was also the winner of eight plans at the highest levels.19 The company operates in eight states (California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington) and Washington, DC20 [edit]
All Kaiser private plans and highly rated Medicare Advantage plans are sick funds. This is good news for those who need affordable health insurance because their fund premiums are generally low, there is often no discount, and drug and prescription costs may also be lower. Rubbing in the sick box is the restriction that, except for emergencies, you should only use doctors, hospitals, and other network services. However, the plans provide the basic products.21 They achieve very high scores in the proportion of patients who receive checks, vaccines and other preventive services, and in the treatment of acute and chronic health conditions. Kaiser's policies have relatively low premiums.
Best for Tech Experts: United Healthcare Services Inc.
Do you want to track your health on Apple Watch? File lawsuits, schedule a doctor, and find doctors online? The latest annual survey by United Healthcare found that nearly 40% of consumers buy healthcare on a computer or through mobile apps. Baby Hazard and Activity Trackers that allow fitness participants to win cash prizes.
Record two special United plans (both in Rhode Island) 4.5 great. Thirteen plans in six states (Connecticut, Iowa, Massachusetts, New Hampshire, Nebraska, and Wisconsin) 4.0 were rated on NCQA's overall assessments. Thirty-four of the United Medicare Advantage plans received a high rating, including several that were sold under the name Sierra Health and Life Insurance Company. 19
United offers a full range of health benefit programs for individuals, employers, and recipients of healthcare and medical care, and contracts directly with more than 1.3 million physicians and healthcare professionals, in addition to 6,500 hospitals and other healthcare facilities in the whole country. 24 HMO and PPO plans are available with access to the Health Care Savings (HSA) account and Flexible Spending Accounts (FSA). Its policies may cost a little more than some of its competitors, but they may be worth it due to the additional features.
Best Midwest: HealthPartners
Under the name of Group Health Plan and HealthPartners, this company sells health care plans in Minnesota and Pennsylvania. Its three plans obtained a total score of 4.5
Best New England: Harvard Pilgrim Health Care
This New England nonprofit company has two 4.5 rated plans (Maine, Massachusetts), one of which has also achieved an impressive 4.5 in prevention, and a 4.0 plan (New Hampshire). 19 Harvard Pilgrim Choice Plus and Options PPO Harvard Pilgrim and United Health Care jointly offer the plans, giving members access to a network of half a million doctors nationwide, thousands of hospitals, and flexible health benefits.
Best New York: Capital District Health Plan (CDPHP, CDPHN)
This doctor-led, non-profit health plan contains some of the highest-rated plans. Two plans scored 5.0 on the NCQA overall score, and were among the five special plans nationwide that scored 5.0 on consumer satisfaction.19 A third plan came from this company near the top at 4.5. The company's Medicare Advantage plan was also a great goal. The plans are available in 26 of New York's 68 counties.26 The company notes that eight of the 15 members of its board practice medicine.
How do we choose the best companies?
We examined 126 health insurance schemes that were rated highest by NCQA, the National Committee for Quality Assurance, a nonprofit ranking group, and compiled by the insurance company.19 We then narrowed the list of companies with highly Qualified Available in Multiple States. To get the best list, the company also had to get at least a financial rating from AM Best, Fitch, or Standard & Poors.
Then, we qualitatively analyzed our nine highly rated companies to identify special strengths that could appeal to the priorities of different types of consumers. We examined how companies ranked them in the NCQA subcategories, in the ACSI (US Customer Satisfaction Index) survey of approximately 300,000 consumers, and in the JD Power Customer Satisfaction Survey of 28,809 Business Health Plan members . The first ten reviews evaluate the depth and breadth of the company's coverage offerings and the prices of individual and employer insurance, Medicare Advantage, and other types of documents.
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