Choosing a health insurance plan is never an easy task. First, you have to find out the reliable companies in your geographical location, study all the plans they have to offer, then finally select one that fulfills your health needs. Once you purchase the right plan, then begin the phase where you pay monthly/quarterly/yearly payment as premiums. Along with premiums, you are also needed to pay a flat rate fee called “co-pay” every time you go for a checkup or a medical evaluation. In this post, I have listed a few health insurance companies that I found to be the best in the United States.
Here are the 5 best health insurance companies of 2019
Blue Cross Blue Shield (BCBS) is a health insurance company offering Medicare plans to all American citizens. It is headquartered in Chicago and also has an office in Washington, DC. BCBS works in association with 96 percent of hospitals and 95 percent of doctors and specialists in the country. This health insurance company is perfect for someone who wants a cheaper plan and also a trouble-free claim process.
Cigna offers health insurance plans for individuals and families. The company is not just limited to the United States. It has more than 37,000 employees working at about 3o countries worldwide. Moreover, it is the cheapest health insurance policy available. Cheaper than Bluecross. The only condition to get approved for Cigna is you should be young and healthy at the time of applying. They are not friendly towards people with pre-existing conditions.
Anthem is another private health insurance company offering a wide variety of plans. Whether you are an employer looking for an insurance plan for your team, an individual, or a family person, Anthem has a plan that will suit your needs. They offer both Medicaid and Medicare plans. To find a perfect Medicare plan for you, just enter your zip code to view and compare plans. Enrollment is usually open on all days on their website.
Kaiser Foundation believes that “everyone deserves the chance to live a healthy life”. This is the motto the company is built upon. What likes about Kaiser Permanente is, they are affiliated with one of the best hospitals or medical professionals in the world. Kaiser Permanente is the best health insurance for those who don’t like the hassle of medical documentation.
Once you enter a hospital, you don’t have to move to another place to perform blood tests, physical therapy or undergo other medical evaluations. Everything is taken care of under one roof. However, if you are an elderly person or one of your loved ones is, make sure there is a nursing home contracted with Kaiser near your area. As of now, Kaiser only has three nursing homes contracted under them. That too they are in the Orange County area.
Tufts is a nonprofit organization from Massachusetts having a nationally recognized Medicaid plan. With Tuft, you not only get a plan at an affordable rate but also other services like in-house medical, behavioral health, social care, and pharmacy professionals. Tuft has 4 health insurance plans: Integrated Care Management, Multicultural Health Care and Cultural Competence, Utilization Management Review (Care Coordination), and Wellness. All available at a rate you can afford.
The bottom line
Things are simpler for single individuals, a “Medicaid” works like a charm. And it is cheaper too. For a family person, it is essential to buy a “Traditional plan” or a “Health Savings Plan” for the initial few years as women and children could need additional medical attention during this period. To learn more about health insurance plans, visit the United States government’s health insurance website.