Choosing the best health insurance company for the insurance of your family and loved ones is very important nowadays. In this review article, we will introduce you to the Top 5 best health insurance companies to choose from in the United States in 2020.
1. Kaiser Permanente
Kaiser Permanente is the best health insurance company in United State nowadays. This company HSA received an award from J.D. Power and Associates for its brilliant compliance and customer service support. A very well-known insurance company ranking website, Insure.com HSA given a rating of 84.16 out of 100 to Kaiser Permanente. This rating shows the quality of this best health insurance company. 92% percent of customers have chosen to renew their plans which is a very impressive thing for Kaiser Permanente.
Kaiser Permanente provides health insurance to the residents of selected states of the USA. These states include California, Colorado, Georgia, Virginia, and Washington D.C. Kaiser Permanente provides four different plans to their customers. These plans include Bronze, Silver, Gold, and Platinum.
- Kaiser Permanente provides the option of a Health Savings Account (HSA) which includes the facility of debit card
- Four different health insurance plans
- High ratings of customer complain satisfaction
- Kaiser Permanente provides a Network of 22,000 Physicians for its customers
- The coverage of Kaiser Permanente services is in selected states of the US and not for the entire region
2. Blue Cross Blue Shield
Blue Cross Blue Shield (BCBS) is the health insurance companies association that is working and operating in the USA and many other countries all over the world. There are 36 BCBS health insurance companies in the USA alone. Most of these companies have an excellent “A” rating from A.M. Best. BCBS provides different health insurance plans by the corporation of Health Maintenance Organization (HMO), Exclusive Providers Organizations (EPO), and Preferred Provider Organizations (PPO). All these plans provide a variety of choices and flexibility to the customer.
- Blue Cross Blue Shield provides the options of Flexible spending account (FSA) and Health Savings Account (HSA) for their customers. Customers can use both these accounts for medical expenses and deductibles.
- BCBS health care agents are very easy to find throughout in the USA and can be easily contacted
- Magnificent and flexible health insurance plans according to the needs of customers
- Best financial strength rating according to A.M. Best
- Due to a vast network of BCBS health insurance companies, the customer complain solving rating is low
3. United Health Care
United Health Care (UHC) is our third pick in the list of Top 5 health insurance companies to select in the United States. It is another health insurance company which HSA “A” rating from financial A.M. Best. UHC is well-known for providing online services to its customers. It HSA a perfect online website and a stunning mobile app for the sake of convenience for its insurers. You can easily do health-related tasks such as setting an appointment, finding a doctor and consult them or any other report claims. The PPO network of UHC is very wide having approximately 1.3 million health officials and doctors. UHC is very famous for its role in public rehabilitation projects such as quit smoking or hearing aids etc. UHC provides discounts for these noble projects.
- UHC provides both kinds of account facilities such as FSA and HSA
- A complete online service on website and a highly supported mobile application
- The insurance policy of UHC is totally according to the requirements of the Affordable Care Act
- Best “A” financial strength ratings from A.M. Best.
- As the major system of UHC is online, sometimes it can lose support due to some connectivity issues
Aetna is one of the best health insurance company which provides its services throughout the United States without any interruption. Aetna operates in almost all states of the USA. Aetna HSA an excellent financial strength by A.M. Best. It HSA secured the 5-star ratings for its overall customer satisfaction and services by J.D. Power & Associates. According to the surveys which have done throughout the United States, more than 80% of people have recommended Aetna health insurance policies to their friends and love ones. Aetna provides very flexible and exciting plans to its customers with HSA (Health Savings Accounts) for high detectable plans.
Apart from all the health essential services, Aetna is well-known for many other people wellness plans such as Weight loss programs and gym memberships. Chiropractic services and many other wellness plans or programs are also part of the Aetna health insurance policy.
- Available almost throughout the United States
- Availability of different health insurance Wellness programs
- Option of HSA (Health Savings Accounts) for highly deductible plans
- Very well reputation and 5-star ratings by J.D. Power for Customer Satisfaction.
- Sometimes the health insurance policy by Aetna could be got overburden due to a large range of plans and programs and cause unease for the customer
Cigna is a very famous brand of health insurance industry throughout the world and particularly in the USA. Cigna HSA has been providing health insurance facilities and services for many years. Cigna offers its services of health insurance in 10 states at the moment. These states are Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. Cigna is also an A.M. Best certified health insurance company of “A” rating. It HSA a highly developed online platform for the ease of consumers. The customers can easily book appointments, find doctors, and get estimated cost for their treatment on the online website platform. Cigna is also famous for providing its customers with an out-of-network health care service with many other benefits. These benefits include reward and discount programs, online doctor consultation, medicine home delivery, and many other health-related essentials.
- Cigna provides very flexible plans with HSA options
- Consultation with health officials without any appointment
- A complete package of Telehealth services
- Best customer satisfaction ratings.