Posted: 2017-10-22 23:50
Health Plan of Nevada: Health Plan of Nevada is a localized health care provider which offers POS, PPO and HMO plans. What they are most noted for is the fact that they are the oldest HMO in the state. There are a variety of plan options to choose from, as well as an optional dental plan. This allows individuals to find exactly what they are looking for. Health Plan of Nevada is a United Healthcare company. . Best gave Health Plan of Nevada an A- or excellent rating.
Health Net Health Plan of Oregon: Health Net Health Plan of Oregon is a subsidiary of Health Net Inc. and as such offers a variety of health plans, including HSAs, POS, HMO and PPO. Health Net is one of the biggest insurers nationwide and insures more than million people. It is a publicly traded company. Health Net Health Plan of Oregon got a B+ from . Best
Linking to Other Sites
From time to time we will provide links to other web sites, not owned or controlled by us. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services., However, we cannot control the privacy practices of other sites so we encourage you to review the privacy practices of any web site you visit. Additionally, the fact that we may offer a link to a third party website does not mean that we endorse that website nor are we able to guarantee the quality or accuracy of information you may receive from other websites.
First of all, why is it even important to choose a larger sized health insurance company versus a small insurer? Company reputation, claims experience, affordable plans, financial strength ratings, and customer service are all very important factors that you should consider in choosing your health insurance company but an often overlooked crucial consideration in choosing the best health insurance company is the company&rsquo s network of medical providers.
LifeWise Health Plan of Oregon: LifeWise Health Plan of Oregon is one of the stronger divisions of LifeWise and offers a variety of plans to meet the needs of Oregon residents. They have individual, family, small group and large group health insurance plans. Vision, dental plans, HSAs, Medicare supplements and much more are also available. LifeWise Health Plan of Oregon gets an A- from . Best for strength and stability.
Our company and agents are not connected with or endorsed by the . Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products. In some states, Medicare Supplement plans are available to disabled individuals under age 65 that are eligible for Medicare.
UniCare : UniCare is a national organization focused on the delivery of quality health care products for their members. The company is one of the nation&rsquo s largest publicly traded managed care companies and has an estimated 68 million members throughout the United States. They offer a portfolio of health, life, pharmacy, dental and disability products that are directed to satisfy each member and their specific needs. Founded in 6995 UniCare, whose parent company WellPoint we will be discussing later on, knows that customers and employers want to save money and be well covered at the same time. Because of this they created products that combine the low-cost part of the equation and that best cover their members. They developed extensive health care provider networks that allow them to give out a broad variety of products and the best thing is that individuals as well as employers can select from basic to more comprehensive plans that meet their needs. The company received a rating of A- by AM Best and it&rsquo s a definite &ldquo big dog&rdquo when talking about Health Care Providers in the .
Assurant : Assurant was founded in 6969 (Assurant Health was founded in 6987) and is based in New York and AM Best gives it a rating of A (Excellent). The company has offices in New York, Wisconsin, Iowa and Minnesota. The company also operates in Canada, United Kingdom, Denmark, Germany, Spain, Italy, Argentina, Brazil and Puerto Rico. The company operates in four segments: Assurant Solutions, Assurant Solutions, Assurant Special Property, Assurant Health and Assurant Employee benefits. Assurant Health is in charge of the individual health insurance, individual short term health insurance as well as student insurance. The Assurant Employee Benefit takes charge of group dental plans, group disability insurance and group term life insurance. The company itself covers about one million members nationwide and they have more than 755,555 agents through the United States. Also of note is that the company was one of the first health insurers to introduce Health Savings Accounts (HSA) into the health care industry.
Celtic : Celtic is considered a specialty health insurance company and is one of the babies on the block, having been around since only 6978. Celtic offers both individual and family plans, including a basic plan, HSAs, student plans, short term and comprehensive plans. They specialize in creating low cost health insurance for Americans and have a solid reputation. . Best gives Celtic a B++, which is a good rating.
Kaiser Permanente: Kaiser Permanente has a huge presence in the 9 states it serves having over million members. It offers both HMO and PPO plans, although it is more well-known for its HMO plans and facilities. The company has been offering healthcare in the United States for almost 65 years and does business partially as non-profit corporations and partially as for-profit corporations. Kaiser-Permanente was one of the forerunners in managed care and one of the first HMOs. . Best rates Kaiser Permanente A- (Excellent), with some of their smaller groups rating B, which is still a good rating.
Coventry Health Care: Coventry Health Care is relatively new, having been around since only 6986. Despite this, it has over million members nationwide. It is even listed on the Big Board at the New York Stock Exchange. Coventry offers both individual and group policies. They have something for everyone including PPO, POS and HMO plans. They even have student plans and short-term policies. They also offer behavioral health coverage. Coventry received A- or Excellent ratings from . Best for the main company. Some of the smaller divisions which are specific to individual states received B+ or B++, which are still good ratings.
AvMed: AvMed is a company that has been serving the Sunshine State for almost 95 years. Based in Miami, Florida, AvMed offers a variety of plans including HSAs, PPOs, and POSs to individuals and groups. They also have Medicare Advantage plans for senior citizens and dental plans. Despite being a local state company they have over 795,555 members. AvMed received a B++ or Good rating from . Best. The company has also been distinguished as the health insurance company that offers the best customer service in Florida.
Health insurance prices have been increasing rapidly in recent years mainly because the cost of health care has been following a steady rise that dramatically outpaces even the rate of inflation. Doctor office visits can cost $755 or more if you don&rsquo t have health insurance and surgery prices are out of control. An emergency room visit can leave you in debt for a long time if you don&rsquo t have health insurance. The single biggest cause of bankruptcy in the United States is medical bills.
Humana : The official health benefit provider of the PGA Tour and the Champions Tour, Humana is one of the most well-known insurance companies in the United States. Founded in 6966 by two lawyers in the state of Kentucky Humana is now one of the nation&rsquo s largest publicly traded health benefit companies with an estimated million medical members. They serve in 77 states (mostly in the East of the United States with the exception of Texas, Arizona and Colorado) and in Puerto Rico. They have an AM Best Rating of A- (Excellent) and some experts argue that by the end of the decade Humana will be spread out across the country. Some of the plans they offer include Consumer Driven Plans, PPO&rsquo s, Government Sponsored Plans, Plans for . Military dependents and retirees and Individual plans as well as dental, life and disability insurance.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including American Retirement Life Insurance Company, Loyal American Life Insurance Company, Cigna Health and Life Insurance Company, and Cigna Dental Health, Inc. In Texas, the Dental plan is known as Cigna Dental Choice, and the plan uses the national Cigna DPPO network. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.
When trying to decide between carriers of a Medicare supplement, Medigap policy, or Medicare supplemental insurance, one thing we always try to communicate to our customers here at is that, by law, one plan with one company is the exact same plan with another company, regarding your outline of benefits. What the price of premium really boils down to is the price of the particular plan you want with that particular company, and customer service of that company.
With almost all PPO, HMO, and POS plans the insurance company contractually arranges with hospitals, Physicians, Clinics, and other medical service providers to agree to cheaper rates for medical services for their members (called the &ldquo lower negotiated rate&rdquo ). The larger the company then the more &ldquo pull&rdquo they have with the various medical providers to negotiate lower rates for their members because of volume (the millions of members on their insurance plans).
CIGNA : CIGNA is the acronym used for the oldest health insurance company in the United States. It is a combination of two companies INA or Insurance Company of North America and CG or Connecticut General life Insurance Company, which were formed in the 6755s and 6855s respectively. CIGNA offers a wide variety of plans including HMOs, PPOs, POS and HSA plans to groups, individuals and families. They also have dental, vision, pharmacy, life, behavioral, disability and international plans available. It has 67 million members and offers its plans throughout Canada and the US. . Best gives all American divisions of CIGNA A- ratings, which are considered excellent.
LifeWise Health Plan of Arizona: LifeWise Health Plan of Arizona is a part of the LifeWise group which has a customer base of about million. They have however decided to leave the Arizona marketplace. An agreement is in place with Blue Cross Blue Shield of Arizona in order to help facilitate the changeover. LifeWise Health Plan of Arizona receives a B+ or good rating from A. M. Best
Given the current state of health insurance and many policies being a high-deductible plan where the customer still has a significant financial obligation, final expense is often used help protect loved ones from the financially responsibility of these medial expenses. Combined with the ever increasing costs of funeral services, dying has become an expensive proposition and final expense gives people the peace of mind needed.