Top 10 Best Health Insurance Companies
Everybody's talking about health care. It's too expensive; too complex; too exclusive. While there's a lot of debate about what can be done to fix it, there's one truth that cannot be refuted: you need health insurance.Going without health insurance is a constant stress and worry. Not only is there a nagging threat of something serious happening - where a week in the hospital can cost as much as many make in an entire year - but even the cost of simple doctor's visits and prescriptions can empty your wallet faster than you can fill it.
With the importance of health insurance comes the necessity to pick the best health insurance company for your needs. To help you make the right decision, we've invited feedback from others who have experience with the health insurance companies you have to choose from.
This top ten list includes health care insurance companies that offer coverage in the United States.
I have been with several Blue Cross companies. Capital Blue Cross was expensive but had good coverage. Alabama Blue Cross is great so far. They have covered all my medications. Florida Blue Cross was the worst company I have ever been with. They referred me to an outside agency for the purpose of denying coverage, and this happened to me repeatedly. I will never have Florida Blue again, but the others were fine.
Blue Cross is awesome. Unfortunately, my company is switching to United Health Care. I'm not looking forward to it. It must be cheaper to administer. Supposedly, it offers the same coverage. We'll see how the customer service is.
Visit WebsiteI am much happier with UnitedHealthcare than with Blue Shield of North Carolina. Last year, I tried to get my husband a flu shot and had to drive over 45 minutes to Greensboro because no other pharmacies were able to get the authorization to administer the shot.
I have UnitedHealthcare. The policy is great, and the pricing is competitive. The representatives for the company are always so very helpful. Love this company!
I love it! I've had it ever since I was a child, and they are accepted almost everywhere.
Visit WebsiteDuring my career, my employer changed insurance options a number of times, so I have had experience with several insurance providers, including Cigna, Blue Cross, Western Advantage, PacifiCare, and HealthNet. None of them stood up to Kaiser.
My parents had Kaiser in the 1970s when it was a relatively new HMO. It was not particularly good then, but now it is exceptional compared to all the others I had during my career. The Kaiser hospital/medical center is half a mile from our house. All my doctors, both GP and specialists, as well as the pharmacy, labs, physical therapy, and radiology are at the medical center. Their integrated electronic medical records and My Doctor Online are invaluable to both doctors and patients.
The doctors confer with one another, sometimes during the office visit, over the phone. Before I left Western Advantage to sign up with Kaiser, my doctor told me that insurance companies are looking at the Kaiser model, and their goal is to emulate and outdo Kaiser. For the fifth consecutive year, Kaiser in California has received a 5-star rating from the Centers for Medicare & Medicaid Services.
Aetna has always been easy to work with and has covered any costs related to my health, especially in tough times.
They are the only company that is trying to coordinate with doctors. That's a new phase, but it's a strategy that makes sense.
Great follow-up, especially the call from the nurse to check up.
I had Humana for three years and never once had a problem. They slightly raised their rates, and I thought I would look around for a less expensive rate. That was a mistake. I switched to Blue Cross Blue Shield of Texas, thinking my rates would be lower, but by the time I got the bill, it was pretty much the same as what I was paying with Humana. In the same three months I had BCBS, I had so many problems I couldn't count. I will never make that mistake again.
I found and applied for Humana through this site. I researched several different health insurance companies, and this one had the best plans for me and my family.
I have been with them for a couple of years now and have never had a single complaint. They have always taken care of our needs and generally made life easier and better where healthcare is concerned. Thanks, Humana.
The total deductible for my plan is $750, and for an individual, it is $250. So far, the most I have needed to pay for my prescriptions has been $10. I only had to pay about $15 for a lab test for my pregnancy. Also, I have not had to pay for my OB-GYN visits out of pocket. They also cover my dental cleanings and regular checkups. I may not know how much I will have to pay for labor and delivery, but so far, I have not had any trouble with Cigna.
Cigna is overall the best in my opinion. Customer service is top-notch in my book. Compared to other companies I have had in the past, Cigna's customer service is above the rest.
Easy to talk to, very suggestive, and they actually seem to genuinely care.
I receive more service for less money with this company. Thanks.
Very good customer service and good attention.
Great care and service. Never felt better.
If this company was nationwide, it would be number one. It is the best. If you live in New York, you are crazy not to have this company.
Aflac is an American insurance company known primarily for its supplemental insurance policies. Founded in 1955, Aflac helps cover expenses that may not be covered by traditional health insurance, such as accident or critical illness coverage. Their rates never change. I've had dental insurance with them for five years, and they have never raised my rates.
I have had numerous policies with Aflac for over 10 years. Very affordable supplemental insurance!
Absolutely the best. Just need to understand that it's not 100% coverage. It doesn't have deductibles, which means that the company starts paying the benefits on day one! Make sure you talk to your agent, as you can customize the policy in so many ways that you can run the risk of being underinsured if your focus is to get the lowest premium possible. Great PPO network access anywhere in the US.
This company is amazing! I could not be more satisfied with every aspect of this company: my coverage, my premiums, customer service, etc. I tell everyone I know!
This insurance pays first-dollar benefits on doctor visits, hospital stays, and pharmacy visits. I've had to pay nothing out-of-pocket! No copays! My premium covers it all! Pinch me. I feel like I'm dreaming! Thank you, USHEALTH!
The best customer service I have experienced so far. Highly recommended. A very approachable company.
I have been very satisfied with this plan. They pay quickly and are very efficient. They recommend good doctors who are providers for the plan. No complaints about this insurance at all.
Very happy with this plan and the customer service.
I really love this insurance. I have not had any problems, and the customer service is really good.
Quality coverage with very affordable premiums.
Wonderful coverage, great rates.