The country currently has over 900 companies that offer health insurance. This means when you go out shopping for health insurance, you are bound to get confused between providers and their services. To avoid confusion, you need to remember that a handful of companies dominate the health insurance sector, regardless of the number of companies out there. This is these providers offer better coverage, pricing, and claim benefits than the rest.
Top health insurance companies
So, here’s a list of the best health insurance providers in the country.
UnitedHealthcare
UnitedHealthcare, measuring the total number of lives covered, has turned out to be the largest health insurance company in the country. The insurance provider, ranging from corporate benefit plans to individual health insurance plans, has a large variety. Also, UnitedHealthcare insurance can be purchased in all 50 states in the country. Not only does the company have the highest number of insured members, but its care network is also massive and comprises 1.3 million healthcare professionals and physicians. It also has over 6000 hospitals under its network. This provides the customers of UnitedHealthcare insurance with a variety of options to choose from in case they require medical assistance.
Anthem
Anthem has got about 40 million lives covered, and that makes it the second-largest health insurance provider in the country. The company has a commercial and business health care wing. This wing takes care of the health needs of small and large businesses, Medicare markets, Medicaid, and individuals. It also offers health insurance in 14 states, including Wisconsin, California, Colorado, New Hampshire, Ohio, New York, Connecticut, Georgia, Kentucky, Indiana, Nevada, Missouri, and Virginia.
Aetna
The company has an impressive reputation in the health insurance sector and has been one of the top health insurance providers in the country. Although it was acquired by CVS Health in 2018, its employer health plans are still provided to people living in all 50 states. For individual health care, Aetna has some economic plans that cover hospitalization, vaccinations, preventive care, and other essential health care types. The network of hospitals under Aetna is also wide; this means you will always be able to find a hospital that is Aetna-approved. The plans offered under the health insurance also let the members consult an in-network doctor or a licensed doctor. But consulting a doctor who falls under the network will be more economical. Aetna also offers some wellness plans to its members, which include health coaching, gym memberships, and weight-loss plans.
Cigna
Cigna provides health insurance globally. Currently, it is offering insurance plans to citizens of ten states in the country, which include Virginia, Utah, North Carolina, Florida, Arizona, Tennessee, Missouri, Kansas, Illinois, and Florida. By using an in-network provider of the company, members can save a lot on their healthcare expenses. The provider has made everything available online, so you can conveniently find a doctor, get cost estimates, check claim status, and find an insurance ID card. Besides, the members also get some lucrative offers which include home delivery of medicines, information on flu shots, reward programs, a helpline for all information, and the telehealth connection program by Cigna. The program allows the members to get access to board-certified telehealth providers. But more importantly, Cigna is considered one of the best health insurance providers because of its out-of-network care, which is readily available without any referrals.