Top 5 Health Insurance Companies In the US

Top 5 Health Insurance Companies In the US

Various health insurance companies are working successfully in the US and providing high-quality services. However, their rankings keep on changing because it depends on the retention of high-quality service provision. Due to this reason, it has become quite challenging to sort out the best companies and evaluate them based on their performance. 


However, we have done our research to find the best companies so that you can quickly go to the relevant websites and get in touch with the best health insurance companies in the US. 

It is worth mentioning that we have sorted out the top health insurance companies by comparing their security policies, deductibles, physician and pharmacy services, and other policies. 


Aetna Medicare Advantage 

It is one of the top health insurance companies in the USA that provides its services to more than 37 States. Moreover, it covers the District of Columbia and keeps on upgrading its plans to benefit the people. Therefore, it would be correct to say that Aetna is the largest provider of employer-based health insurance in the various States of America. 


The best part is that the pricing structure of Aetna is quite flexible. The pricing is entirely at the lower level in all the states, which gives it an edge over many other competitors. 


It also provides the people with various facilities. For example, its medical plan allows insurers with high blood pressure to get a free home monitor at CVS. 

Blue Cross Blue Shield 

Being one of America’s top three Health Insurance service providers, it has various state plans, including Independence, Hawaii Medical Service Association, and Anthem. It is a massive setup with 35 health insurance companies working independently and locally in more than 50 States of America, including Washington DC. 


The specific part of this company is that it provides the users with individual policies on healthcare. Moreover, it offers a variety of medical plans, including Prescription, Drugs, and Medicare Advantage. 


It is a company that is famous for international coverage options and is one of the Global Health Service Companies. Currently, it is providing premium health care services and is the global network of 1.5 million healthcare professionals. Moreover, it has more than 20,000 employees in the US and is serving as the nation’s largest pharmacy benefit manager. 


This company has achieved various awards by providing healthcare insurance in 30+ countries, and its Global employees are 70 thousand in number. It is one of the top performers in customer satisfaction. It offers high-quality services in all the major states of America, mainly in Illinois/Indiana, Virginia, New Jersey, and Ohio. Along with the provision of Health Insurance offices, medical plans in 10 states intensive plants in all the 50 states, including Washington DC. 


Various other statistics and reports about Cigna have revealed that it has detailed Medicare Advantage Plans benefiting 369 counties across 23 States. 


Have you ever heard of the insurance company that provides umbrella coverage and covers the expenses that are not usually covered? These rarely covered expenses include the ones related to appliances, crowns, dental exams, eyeglasses, and contacts. Therefore, it would be correct to say that Humana is something more than a health insurance company, and it also provides all the services related to the well-being of human beings. 


Here it is worth mentioning that Humana is one of the companies that offer special needs policies and have unique medical plans for the healthcare solutions of employers. 


It is also quite an affordable health insurance company and has got the maximum customer satisfaction level. This company is also famous for its affordable policies and Medicare Advantage plans for Florida, Illinois, and Tennessee. 

Kaiser Permanente 

It is one of America’s nonprofit health insurance companies and got various positive ratings from the customers and won stellar ratings for private insurance. In addition, it is the only company that earned an overall NCQA score of 5. 

health insurance companies

Another reason that sets it apart from other health insurance companies of America is that it also has various unique advantage plans for the citizens of Georgia and California. Currently, it is providing Health Insurance services in 8 States of America which are Washington, Virginia, Oregon, Maryland, Hawaii, Georgia, Colorado, and California. 


What do health insurance companies do?

All the health insurance companies are bound to cover various coverage standards to become eligible for the insurance service provider. So on one side, they offer different individual plans, while on the other side, these options vary from company to company. 


There are ten essentials that all the health companies cover. These health plans are known as essential health benefits. So let’s look at them to give you an insight into what Health Insurance companies protect. 


All the health insurance companies cover pregnancy and childbirth services, prescription drug coverage, mental health services, outpatient hospital care, preventative care, emergency services, and more.


Remember that all of these essential benefits are covered differently by different health insurance companies, so there are no hard and fast rules about what level of insurance services will be provided for each of these essentials. Moreover, the limits of this coverage also differ from one State to the next. Finally, it is also important to note that the employees of the insurance companies do not get the same benefits as the other people, and they have to follow an entirely different set of standards. 


So if you are an employer, you should look for an employee plan instead of the other plans to see what the company can provide to fulfill your unique Health Insurance needs. 


The Bottom Line 

There are various health insurance companies in the United States, and all of them have different sets of rules and regulations. However, all of them are born to cover the same health benefits known as essential health benefits.


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