Benefits, Eligibility, coverage and cost
“Life is too short to live and too long to make expenses”. We are human beings and we everyone has a health issues, different types of diseases. And we are working hard to earn money for our family to make live better and easy. Health is very important to work continuously. If health is not good then we are not able to work and if we ignore any disease then it will become a big issue. So if want to make our family safe and want to make less expenses for our health then we have to go with best health insurance plans to save money and health both. In the market there are many types of health insurance for individual or family members. If we take the best health insurance plans for our family or for our self then it will save money, time and health.
In USA, there are many best health insurance companies in the market that give best plans with benefits for family and individual. Health insurance is the biggest and wisest financial shield for our future health in United States of America. In today’s era, medical treatment is very expensive and it became more expensive when it comes to all family members. If we stay or admit in a hospital then per day cost is very high and the treatment is also very costly, it means thousands of dollars we have to give to protect our self, which are our hard working money.
In other countries insurance company give benefits of investment returns and maturity benefits. But in USA, insurance company don’t give any benefit but they provide a best protection against medical expenses, doctors fee, medical treatments, surgeries (as approved or listed by an insurance company) doctors visit, hospitalization expenses, prescription drugs and any emergency treatment.
In this blog, you will get information about the top health insurance companies for your financial protection for you and your family.
- United Healthcare
This insurance company is very popular and trusted by many customers who got financial protection for their future health. This company is serving millions of people and families. This company is providing many beneficial financial protection plans to millions of Americans for employer and other groups having large network in all states. It has the reach up to 6000 plus hospital nationwide. It has all types of plans like health insurance plan, Medicaid plan, Medicare plan, dental, vision and supplements plans at all stage of life. These all plans depend on many factors like your age, health and financial conditions etc.
What does health insurance cover?
Preventive disease, prescription drug, surgeries (as approved by the insurer), doctor fee and visit as mentioned in your documents
Key benefits
- Large network of doctors and hospitals in USA
- Best protection care coverage for individual or a family
- Provide consultation and health check-up if requested
- Prescription drug coverage
- Mental health services
Eligibility:
- Must be U.S.A. citizens and legal residents
- Must be individual, families and employers
Tenure
- Annual renewable plans
Investment return
No investment return
Best for:
Families looking for nationwide coverage more than 6000 hospitals
- Blue Cross Blue Shield
Blue cross Blue Shield insurance company cover all United States of Americas. They have large network with 2 million plus hospitals and doctors. This is not a single entity, it is a federation 33 independent. This is the reason of having a large network with doctors and hospitals. This company is serving services to almost 118 million people living in USA. Many people like to tie up with this company just because of a large network. They are providing high quality health insurance solutions for individuals & Family, Medicare, employers and international.
What does health insurance cover?
Preventive disease, prescription drug, surgeries (as approved by the insurer), doctor fee and visit as mentioned in your documents, maternity and emergency services
Key benefits
- Very large network
- Emergency services coverage nationwide
- Specialities in all category
- Prescription drug benefits
- Maternity services cover
- Hospital expenses cover
Eligibility:
- Must be U.S.A. citizens and legal residents
- Must be individual, families and employers
Tenure
Annual renewable plans
Investment return
No investment return
Best for:
- For travellers, who keep traveling frequently within USA
- Kaiser Permanente
This insurance company is a non-profit foundation that has a very large network in USA. It is serving more than 12.7 million people in USA with Its hospitals, Medicare groups and other health plans. it is operating 39 hospitals and many clinics in USA.
This organization has three verticals in its business to give best services to members.
- Kaiser Foundation Health Plan
- Kaiser Foundation Hospitals
- Permanente Medical Groups (PMGs)
Regional medical groups of the organizations
- The Permanente Medical Group: Providing services in Northern California – the largest group
- Southern California Permanente Medical Group: Providing services in the greater Southern California
- Colorado Permanente Medical Group: Providing services in the Denver and Boulder metro
- Hawaii Permanente Medical Group: Providing services in the Hawaiian Islands
- Mid-Atlantic Permanente Medical Group: Providing services in Maryland, Virginia and Washington, D.C..
- Northwest Permanente: Providing services in Oregon and Southwest Washington
- The Southeast Permanente Medical Group: Providing services in the Atlanta metro area in Georgia
- Washington Permanente Medical Group: Providing services in Washington state only
Key Benefits
- Best healthcare plan model
- Region wise lower premium
- Strong preventive care program according to needs
- Best digital health care services
Eligibility:
- Must be residents of Kaizer service area, where this company operates its services
- Must be individual
Tenure
Annual renewable plans
Investment return
No investment return
Best for:
Best for an individual for healthcare services
- Aetna
This company is also serving to individual, family, employers with best health solution
Key benefits
- Very large network
- Emergency services coverage nationwide
- Specialities in all category
- Prescription drug benefits
- Maternity services cover
- Hospital expenses cover
- For medicare
- For individual
- For family
- For dental
- For agents or brokers
- For employers
Eligibility:
- Must be U.S.A. citizens and legal residents
- Must be individual, families and employers
Tenure
Annual renewable plans
Investment return
No investment return
Best for:
Best for family for comprehensive health care solutions
- Cigna
This company is known for global health care insurance solution. It has a large network globally. It has headquartered in Bloomfield and Connecticut. This company has services globally for medical, dental, disability, life and accident insurance, with pharmacy benefit management services worldwide with best plans for all.
Key benefits
- Global network
- Preventive services
- Mental, Disability, accident, and other services
- Pharmacy management
Eligibility:
- Global networking
- Must be individual, families and employers
Tenure
Annual renewable plans
Investment return
No investment return
Best for:
For international professionals
- Humana
Best for senior citizen and medicare plan
Key benefits
- Medicare coverage
- Prescription drug plan
- Best wellness programs
- Best for dental and vision benefits options
Eligibility:
- Best for seniors aged above 65 years
- Retires
Tenure
Annual renewable plans
Investment return
No investment return
Best for:
- Best for senior citizen and Retires
- What is average cost of health insurance in USA
- For individual coverage
$450-$950 per month
- For family coverage
$1200-$2500 per month
Average according to your needs
$1000-$8000 depending to your requirement and age factor
Types of health insurance in United States of America
- HMO (Health Maintenance Organization)
- It has lower premium plan
- It requires primary care doctors
- But it need references for specialists
- PPO (Preferred Provider Organization)
- Flexibility
- No references
- But high premiums
- EPO (Exclusive Provider Organization)
- Medium cost
- Network based coverage plans
- POS (Point of service)
- Best combination of HMO & PPO
What is not covered in the insurance plans:
- Cosmetic treatments or surgery
- Experimental solutions
- Some unique things
- Non-medical services
All insurance plans depends on your location, age, disease, budget and your health care requirement. It differs to individual, groups and family etc.
