Kaiser Permanente
Consumer Rating: ★★★★★
Top Ten Reviews: 8.13 / 10
ADVANTAGES / Cigna provides comprehensive healthcare plans and services with some of the most competitive consumer value for these states: AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, MD, MO, NC, NE, NJ, OH, PA, SC, TN, TX, VA. In addition, Cigna offers dental coverage in all 50 states.
DISADVANTAGES / Cigna only offers full medical plans in: AZ, CA, CO, CT, FL, GA, MD, MO, NC, SC, TN, TX.
CONSUMER TAKEAWAYS / Cigna is the premium consumer choice for health insurance policies in the 12 states where it offers full medical benefits. The company has also displayed strong nationwide growth with member & provider services in over 30 states while expanding its coverage & pricing for those who are not satisfied with employer-based plans. Cigna’s sophisticated website platform is user-friendly and offers information so that you can readily find a doctor in your area or see what prescription medications your plan covers. Cigna lacks short-term coverage policies, but that is likely to change as the mandate is being lifted while legislation is rolled out in 2019 under ACHA (Trumpcare).
#Cigna #CignaHealth
Consumer Rating: ★★★☆☆
Top Ten Reviews: 9.70 / 10
ADVANTAGES / Humana provides health insurance at a lower overall price point than most of its competitors, and its member services are evolving with a focus on primary care and better pharmacy access through strategic partnerships.
DISADVANTAGES / There is limited coverage availability in certain states for non-group and non-government Humana policies. A nationwide PPO is the only plan that allows flexible provider choice for members due to directive efforts towards tightly managed care operations.
CONSUMER TAKEAWAYS / Humana is an innovative carrier that investing in both primary care education and wellness programs for its members. In addition, Humana members can expect to pay low premiums relative to the market and are gaining increased access to pharmacy services. Humana scored an 9.70/10 overall review on Top Ten Reviews and is gaining momentum to be recognized as a quality consumer choice now that it is expanding beyond its traditional focus on government policies.
#Humana #HumanaHealthcare
Consumer Rating: ★★★★☆
Top Ten Reviews: 8.75 / 10
ADVANTAGES / Aetna has some of the least expensive premiums available in the private market and is aiming to keep cutting costs with its focus on value-based care. It’s pharmacy network is also one of the most extensive in the country, and that will only continue to grow as CVS integrates its own resources within Aetna’s current infrastructure.
DISADVANTAGES / Short-term policies to cover gaps in insurance caused by changes in employment or other issues are not offered by Aetna. The layout of Aetna’s benefits levels is also more complicated than most carrier offerings.
CONSUMER TAKEAWAYS / With strong consumer reviews and an 8.75 / 10 overall rating from Top Ten Reviews. Aetna is a longstanding health insurance company that provides a multitude of different plans, both privately and through the health exchange. Dental and vision plans, student insurance and international insurance are also available, and Aetna provides supplemental insurances to augment any current plans.
A case study by Top 10 Reviews also found that Aetna plans are about $600/year cheaper on average even though individual results will vary. Aetna is not for you if you are between jobs, if are a recent college graduate, or if you waiting to be enrolled in your company’s insurance.
Aetna is a carrier to watch as value-based care, corporate restructuring, and technical efficiencies leave it poised for significant innovation and growth in the health insurance market for years to come. Aetna prides itself in having a ‘a range of insurance and employee benefits products, programs and services that help control rising costs while striving to improve the quality of health care, and tools and information to help people make better-informed decisions about their health care and financial well-being.’
#Aetna #AetnaHealthInsurance
Consumer Rating: ★★★☆☆
Top Ten Reviews: 8.2 / 10
ADVANTAGES / UnitedHealthcare’s resources through Optum make its online tools extremely comprehensive and easy to use. Coverage is available in every state with diverse & custom benefits offerings for every type of insurance coverage.
DISADVANTAGES / Consumer ratings reveal that UnitedHealthcare is one of the most expensive health insurance companies across the board, regardless of coverage type.
CONSUMER TAKEAWAYS / UnitedHealthcare is a massive organization that is able to offer full coverage to any prospective shopper. It provides a feature-rich online support system for members, making it a good choice for people who want to manage their health care electronically, and their customer service for members is backed by an extensive network of specialized employees. However, our findings indicate that UnitedHealthcare is the most expensive medical insurance provider in the off-marketplace private sector.
UnitedHealthcare prides itself in being the largest nationwide health insurance provider in the country and aims to cover major medical insurance needs while assisting its members in maintaining overall wellness. Its plans are generally more expensive than those of other health insurance carriers, but UnitedHealthcare hopes that a strong platform of online tools creates additional value so that members can manage profiles & accounts, get refills of prescriptions, track deductibles and expenses, find doctors in a particular area, reach the UnitedHealthcare nurse hotline (reduces number of office visits for more out-of-pocket savings), access its Health4Me app for smartphones and tablets, create better lifestyle choices through its wellness programs & informational website, etc.
#UnitedHealthcare #United #UHC #Optum
Consumer Rating: ★★★★☆
Top Ten Reviews Rating: 9.08 / 10
ADVANTAGES / The premiums are, on average, less expensive than those of other insurance agencies, especially for older people.
DISADVANTAGES / This service limits you to the Kaiser Permanente system of doctors and hospitals in eight states only.
CONSUMER TAKEAWAYS / Kaiser Permanente covers eight states and has its own system of doctors and facilities. Its premiums and breadth of plans make it a strong option for health insurance.
#Kaiser #KaiserPermanente
