Private health insurance is an economical solution to cover your medical expenses. These plans can help you save money by covering services like antenatal care, emergency hospital treatment and prescription drugs.
The top companies provide superior customer service, efficient claims processing, a wide variety of provider choices, adaptable care options and competitive premiums. Furthermore, these businesses are trustworthy, exude financial strength and possess an impressive track record for success.
1. Blue Cross Blue Shield
Blue Cross Blue Shield is a trusted health insurance provider that offers various coverage options such as dental and vision. Its website is user-friendly with helpful information for customers such as details on policies and how to locate doctors in specific locations.
BCBS boasts 35 separate companies that serve more than one third of America. Its network is extensive, and BCBS has earned a stellar reputation for customer service.
Medicare Advantage plans work alongside Original Medicare to offer additional benefits and add-ons, like prescription drug coverage. Furthermore, Medigap plans can be purchased to cover copays and deductibles.
Since 1929, Blue Cross Blue Shield companies have worked closely with communities to provide access to affordable and quality healthcare. Through their nationwide network of doctors, hospitals, and specialists they serve 114.5 million members across all 50 states plus Washington D.C. and Puerto Rico.
3. UnitedHealthcare
UnitedHealthcare is an expansive insurance provider, providing customers with various medical coverage options. It provides both Medicare and non-Medicare plans as well as a selection of supplemental policies.
The main website offers a wealth of extra tools and resources, such as online forms, downloadable documents, and an impressive mobile app that allows customers to locate doctors, check claim statuses, order prescription refills, and email ID cards.
It offers various plan types, such as Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO), plus dual eligible special needs plans.
The company boasts an excellent reputation for customer service and tech support, boasting a low complaint ratio and earning them an A grade from AM Best. Furthermore, it has access to an impressive network of providers and hospitals.
4. Anthem
Anthem (formerly Blue Cross Blue Shield) is one of the nation’s leading health insurance providers, offering Medicare, Medicaid and individual, family and group plans.
Anthem boasts 40 million members enrolled across 14 states, but their size comes with some disadvantages, such as an unimpressive customer service record and a high rate of claims denials.
Anthem offers a selection of plans with competitive premiums and additional features like 24/7 telehealth services and caregiver resources. Plus, they provide add-on coverage for supplemental vision and dental insurance – an efficient way to save money.