Aetna: Excellent Customer Service and Nationwide Coverage
Aetna, one of the oldest health insurance companies in the United States, provides comprehensive coverage for health, dental, and vision care. As a part of CVS Health, Aetna holds an impressive A+ rating from the Better Business Bureau (BBB).
Choosing Aetna means you’ll have access to convenient walk-in options available nationwide. If you purchase an insurance plan from the Affordable Care Act (ACA) Marketplace, you can also benefit from telehealth services, $0 per minute clinic visits, free screenings, preventive care, and more.
Aetna is renowned for its Medicare and Medicaid plans, which are available in all 50 states. Opting for Medicare and Medicaid means you’ll receive all the original benefits and services provided by Medicare, along with extras like fitness, dental, vision, or hearing benefits.
Blue Cross Blue Shield: Enhanced Customer Satisfaction and Extensive Coverage
Blue Cross Blue Shield (BCBS) is a widely recognized health insurance provider that operates in all 50 states. With more than 90 years of experience, BCBS has been serving people throughout the United States.
BCBS offers a wide range of insurance options, including corporate health insurance, individual health insurance, Medicaid, Medicare, and dental insurance. They have a network of over 1.7 million doctors and hospitals, ensuring you have plenty of choices.
Depending on your plan, you can enjoy additional benefits such as dental, vision, hearing, telehealth services, fitness discounts, and over-the-counter medication management. However, it’s important to note that BCBS consists of 35 independent companies operating locally, so you may need to do some research to find the plans that suit your needs.
Cigna: Great for Pharmacy Programs and Cost Savings
Cigna is an excellent choice for health insurance, especially if you require regular prescriptions. While it is not available in all states, Cigna offers health insurance plans that are often more affordable than other options on the market.
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Cigna’s network includes impressive pharmacy programs, with over 67,000 contracted pharmacies and stand-alone drug plans that work in conjunction with Medicare. Their pharmacy express scripts offer convenient home delivery, and you can also connect with licensed pharmacists whenever you have questions about your medication.
Cigna also provides health insurance for U.S. emigrants residing abroad. With the myCigna website and mobile app, managing your health goals, appointment reminders, and claims is quick and easy. However, individual and family health insurance plans are only available in specific states.
United Health: Best Benefits Available and Additional Programs
United Health offers individual and family health insurance plans in 18 states, providing access to additional programs and tools for better healthcare management. Clients appreciate the virtual visits, mental health care, rewards programs, home visits, and more that United Health offers.
Their plans include health, vision, and dental services, and they also provide options for Medicare, Medicaid, short-term insurance, and small business plans.
While United Health’s individual plans may be more expensive than those from other carriers, there are many resources available for individuals who choose United Health insurance. However, it’s important to note that individual and family plans are only available in 18 states.
Ambetter: Best for Dental Benefits and Affordable Marketplace Plans
Ambetter, owned by Centene Corporation, offers affordable health insurance marketplace plans. With three main health care plans to choose from, Ambetter Essential Care (bronze), Ambetter Balanced Care (silver), and Ambetter Secure Care (gold), you can find a plan that suits your needs.
Ambetter also provides other health plans, including Ambetter Select plans, Ambetter Value plans, and Ambetter Virtual Access plans. However, the availability and details of each plan may vary depending on your location.
If you’re looking for good dental and vision benefits, Ambetter is a great option. Some Ambetter plans offer dental programs for as little as $12 per month. Dental plans are available in all markets except Washington, New Mexico, and New Jersey. Dental coverage includes preventive and diagnostic care, basic care, and major dental care.
Humana: Excellent Medicare Coverage and Additional Benefits
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For those seeking Medicare coverage, Humana is a top choice. They offer Medicare Advantage, Medicare Supplement, and stand-alone prescription drug plans that cater to different needs.
Humana Medicare plans are available in all states, with Medicare Advantage plans available in most counties. While not all Medicare Advantage plans include prescription drug coverage, you have the option to purchase a stand-alone prescription drug plan or choose expanded coverage plans through retail giants like Walgreens and Walmart.
Humana also provides access to the Silversneakers program, which grants you access to 15,000 gyms and fitness centers nationwide. Additionally, Humana is known for its convenient Humana Pharmacy mail-order prescription services.
Kaiser Permanente: Affordable Options and Extra Benefits
Kaiser Permanente, the largest nonprofit health insurance company, offers a wide range of insurance plans, including individual and family plans, as well as Medicare and Medicaid options.
Depending on your eligibility, you may qualify for extra benefits like an exercise program, assistance with glasses and hearing aids, and an over-the-counter allowance. Kaiser Permanente also provides Charity Health Coverage (CHC) for individuals who do not qualify for public or private coverage.
If you’re about to lose your current coverage, Kaiser Permanente can help you find personalized recommendations based on your situation. Certain qualifying life events, such as losing job-related coverage or getting divorced, may even make you eligible for financial assistance to make costs more affordable.
Please note that Kaiser Permanente is only available in specific states.
When choosing a health insurance company, it’s essential to consider your specific needs, budget, and location. Evaluate the different options available and choose the one that best fits your requirements.