The Best Health Insurance Companies of 2022 (recommended)

 

Most persons in the United States are required to acquire health insurance under the Affordable Care Act (ACA) of 2010. Health insurance is crucial since it can cover the costs of an unexpected accident, illness, or routine medical treatment. Furthermore, if more people choose to remain uninsured, the cost of health insurance will rise overall.

Health insurance may appear to some as a luxury. Plans can be both costly and difficult to comprehend. We researched some of the leading networks in the United States to assist you to locate the finest health insurance company to choose this year.

Continue reading to learn more about these seven options.

We looked into a few essential variables when researching health insurance companies:

1. Affordability. The price of a monthly premium varies depending on your region, plan, and whether or not you are covered by your employer. Nonetheless, we made an effort to identify options that would suit any budget.
2. Benefits. Additional services covered by health insurance, such as dental or vision care, are referred to as benefits.
3. Customer feedback and ratings. Finally, we searched through customer ratings and reviews to ensure that only highly-rated businesses were recommended.

Customer service at its finest 

1. Aetna

Aetna is one of the country's oldest health insurance businesses, covering health, dental, and vision care. The Better Business Bureau has given them an A+ rating as part of CVS Health (BBB).

When you choose Aetna, which has locations all throughout the country, you have easy walk-in care alternatives. You can get telehealth services for free if you buy an Affordable Care Act (ACA) marketplace insurance plan. Visits to the clinic, free screenings, preventive care, and more are all available.

Aetna's Medicare and Medicaid plans, which are accessible in all 50 states, are also well-known. With Medicare and Medicaid, you'll get all of Medicare's benefits and services, plus extras like a fitness benefit, dental, eye, and hearing care.

 2. Blue Cross Blue Shield

The highest level of overall customer satisfaction Blue Cross Blue Shield is a health insurance company based in the United States

Blue Cross Blue Shield (BCBS) is a well-known health insurance company with offices in all 50 states. For more than 90 years, they've been helping people in the United States.

BCBS offers a variety of health insurance options, including group health insurance, individual health insurance, Medicaid, Medicare, dental insurance, and more. BCBS has a network of almost 1.7 million doctors and hospitals. For Medicare beneficiaries, many plans include the Blue365 program, which offers savings on health and wellness-related items and services.

Other plans include features such as:

Over-the-counter medication management dental vision hearing telehealth fitness discounts

While BCBS is a well-known insurance provider, you may have to put in some more effort upfront if you want to acquire a premium. BCBS is made up of 35 different firms that are all independently owned and operated, so you'll have to do some digging to find the plans that are right for you.

Pharmacy programs benefit the most. 

3. Cigna

Cigna offers health insurance that may be more reasonable than others on our list, albeit it is not accessible in every state. The network also has strong pharmacy programs, making it a particularly suitable choice for patients who need to fill prescriptions on a regular basis.

Cigna is a good alternative for pharmacy programs, including standalone medication policies that function alongside Medicare and over 67,000 contracted pharmacies. Express Scripts Pharmacy also offers home delivery and can connect you with a professional pharmacist if you have any queries regarding your medicine.

Cigna also provides health insurance to emigrants from the United States who are living in other countries. Plus, managing health goals, appointment reminders, and claims is quick and easy with the myCigna website and mobile app.

Cigna, on the other hand, only sells individual and family health insurance in the following states:

1. Arizona
2. Colorado
3. Florida
4. Georgia
5. Illinois
6. Kansas
7. Missouri
8. Mississippi
9. North Carolina is a state in the United States.
10. Pennsylvania
11. Tennessee
12. Utah
13. Virginia

 4. United Healthcare

The most advantageous benefits are offered. United Healthcare is a healthcare company based in the

In 18 states, United Healthcare, usually known as United, offers individual and family health insurance policies. Virtual visits, mental health treatment, rewards programs, house calls, and other supplemental programs and resources are popular with customers.

Dental, vision and health insurance are all available via United. There are also options for Medicare, Medicaid, short-term insurance, and small businesses.

United's individual plans are frequently more expensive than those offered by other firms. People who are able to receive United insurance, on the other hand, have a wealth of resources at their disposal.

dividual and family plans are also only available in 18 states:

1. Alabama
2. Arizona
3. Colorado
4. Florida
5. Georgia
6. Illinois
7. Louisiana
8. Maryland
9. Massachusetts
10. Michigan
11. Nevada
12. New York
13. North Carolina
14. Oklahoma
15. Tennessee
16. Texas
17. Virginia
18. Washington

Best for dental benefits 

5. Ambetter

Ambetter is a health insurance marketplace that is owned by Centene Corporation, a managed care provider.

Ambetter Health Insurance has three different healthcare plans: Ambetter Essential Care (bronze), Ambetter Balanced Care (silver), and Ambetter Secure Care (gold) (gold).

Other healthcare options include:

Select Plans by Ambetter. The select plans, which are only accessible in a few counties in Florida and Georgia, include a low monthly premium and a limited network of doctors and hospitals.

Value Plans with Ambetter Ambetter Ambetter Ambetter Ambetter Am Ambetter's lowest-cost premium plans contain specified healthcare experts and facilities and are offered in select counties in Florida, Nevada, and Texas. Referrals to a specialist are also required.

Virtual Access Plans by Ambetter. In Michigan, Mississippi, South Carolina, and Texas, these plans are offered. Powered by Teladoc, they provide full virtual primary care with a $0 copay.

The cost and other details of each plan will vary depending on your location. Ambetter is available in 26 states:

1. Arizona
2. Arkansas
3. California
4. Florida
5. Georgia
6. Illinois
7. Indiana
8. Kansas
9. Kentucky
10. Louisiana
11. Michigan
12. Mississippi
13. Missouri
14. Nebraska
15. Nevada
16. New Hampshire
17. New Jersey
18. New Mexico
19. North Carolina
20. Ohio
21. Oklahoma
22. Pennsylvania
23. South Carolina
24. Tennessee
25. Texas
26. Washington

If you want good dental and vision coverage, Ambetter is a wonderful option. Your dental plan could cost as little as $12 per month with select Ambetter plans. All Ambetter markets except Washington, New Mexico, and New Jersey provide dental coverage.

Preventive and diagnostic dental treatment, basic dental care, and significant dental care are all included in dental insurance.

6. Humana

The best Medicare coverage Humana

Humana is a wonderful alternative for Medicare Advantage, Medicare Supplement, or a basic standalone prescription drug coverage if you're seeking Medicare.

Humana Medicare plans are accessible in all 50 states, and Medicare Advantage is offered in the majority of counties. Although prescription medication coverage is not included in all Medicare Advantage plans, you can purchase a solo prescription drug plan or choose the expanded plan.

Walgreens and Walmart both have insurance options available.

You can also take advantage of the SilverSneakers program, which grants you access to 15,000 gyms and fitness centers nationwide. Humana's Humana Pharmacy mail-order prescription services are likewise well-known.

Best for low-cost alternatives Kaiser Permanente is a health-care organization based in

Kaiser is a managed care organization that offers individual and family plans, as well as Medicare and Medicaid. It is the largest nonprofit health insurance company in the United States.

If you meet specific criteria, you may be eligible for additional benefits such as an exercise program, assistance with glasses and hearing aids, and an over-the-counter allowance.

If you don't qualify for public or commercial health insurance, Kaiser Permanente also offers charitable health coverage (CHC). To qualify for CHC, you must meet specific criteria, including living in a Kaiser Permanente service region and being below the federal poverty threshold.

In addition, if you're about to lose coverage, the organization can assist you in finding specific recommendations. Losing job-related coverage, losing coverage on your parent's plan, and getting divorced are all examples of qualifying life events. In some cases, financial assistance may be available to help make expenditures more manageable.

The majority of Americans do not have access to this type of health insurance. It's accessible in the following languages:

1. California
2. Colorado
3. Maryland
4. Georgia
5. Washington, D.C.
6. Hawaii
7. Virginia
8. Oregon
9. Washington

When it comes to health insurance, there are a few critical elements to consider when looking for a plan.

First, think about your budget. Regardless of whether you obtain medical care, if you choose a health insurance carrier, your monthly fee will remain the same month after month. When you receive care, your out-of-pocket payments will vary.

Next, think about the many types of health insurance plans that a certain insurance provider offers. Marketplace plans are divided into four categories: EPO, HMO, POS, and PPO.

Medical services are only covered under some plans if you use in-network medical providers. In some situations, you can pay more for out-of-network care. Consider what type of plan would be ideal for you and whether or not a particular firm offers it.

Also, look at what kinds of advantages the company offers. Dental and vision coverage are included in some health insurance plans. Preventive care and medicines should also be considered.

Customer reviews and ratings, as well as the company's customer service, should all go into your decision. You'll also need to pick an insurance carrier that offers coverage in the state where you live.

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