With the changes in healthcare insurance, especially with the advances in telemedicine since the pandemic – and insurance companies offering a permeance in telemedicine – Inner Circle Billing has put together a short summary regarding the Top 6 Best Insurances for the 2022 year.
- United Healthcare
- Kaiser Permanente
- Blue Cross Blue Shield
United Healthcare (UHC) is the most preferred by people who usually like to handle care online with an app for phones to set up appointments, speak to doctors and file claims. UHC’s plans meet the Affordable Care Act guidelines and offer a range of 1.3 million health care professionals. UCH also offers plans through Medicare Advantage.
Kaiser Permanente has a wide range of plans with customers being highly satisfied and claims being processed quickly. Kaiser has locations all over the great northwest including: Washington, Oregon, California.
Aetna is also one the biggest healthcare insurances in the United States, offering a wide range of plans and services – HMO’s, PPO’s, EPO’s – including chiropractic care, weight loss programs and more.
Centene is a nonprofit Medicaid plan founded in 1984. Centene offers heath care options for those who don’t qualify for Medicaid. This corporation has billed itself as the “Largest Medicaid Managed Care Organization” in the United States. Centene offers plans for – Individual, Vision, Dental, Medicaid, Medicare, and major medical for those under 65.
Cigna offers Out of Network care without referrals. Cigna offers telehealth communications, home delivery pharmacy, and an app for the phone to find doctors, file claims, and obtain estimated costs for services. However, their plans do vary from state to state.
Blue Cross Blue Shield (BCBS) can be obtained in every state as well as other countries. This insurance has the broadest range of plans offering all kinds of affordability and necessity coverage from Preferred Provider Plans (PPO) to Health Maintenance Organizations (HMO) and finally Exclusive Provider Organizations (EPO). BCBS’s insurance coverage plans is extensive making it affordable for nearly every budget.
Shopping for insurance can be a stressful moment. To help, figure out a budget you are willing to spend for services – premium payments – deductibles for services rendered, and the amount of coverage you need for services like, but not limited to – health, substance abuse, mental health, dental, vision, pharmacy.
Types of Plans:
- HMO – lower cost with select doctors with typically lower coverage
- PPO – a touch more expensive, but allows you to choose your own provider with better coverage
- EPO – only covers doctors inside the insurance networks.
- POS – Point of Service – is like a combination of an HMO and PPO with out of network providers possibly costing extra.
Whatever you budget, take care and be mindful of your selection to fit your needs and those of your family.