Highmark Health Insurance Review & Ratings (2024)

Highmark Insurance is a provider of health insurance plans and services for individuals, families, and employers in several states across the United States. The company has a strong history and mission to provide high-quality and affordable healthcare to its members.

Highmark Insurance offers a range of health insurance products and services, including HMOs, PPOs, EPOs, Medicare plans, and dental and vision insurance. The cost of coverage with Highmark Insurance varies depending on the plan and the customer’s location, but the company offers several discounts to eligible customers.

While Highmark Insurance has received positive reviews for its network of doctors and hospitals and comprehensive coverage, there are also reports of high costs and issues with claims processing. Before choosing a plan, it’s important to carefully consider your healthcare needs and compare options from different insurance providers.

What You Should Know About Highmark Insurance

Welcome to our comprehensive Highmark Insurance review, where we delve into the details of this renowned health insurance provider. In this article, we’ll explore Highmark Insurance’s offerings, including coverage options, cost, discounts, and customer satisfaction ratings. You’ll gain insights into the company’s history, mission, and commitment to affordable healthcare.

Interesting Attributes of Highmark Insurance:

• Offers a wide range of health insurance products and services to customers across several states in the United States.
• Provides affordable healthcare services to customers, while ensuring they have access to quality healthcare.
• Offers several types of discounts to its customers, including multi-policy, safe driver, and good student discounts.

We’ll also discuss the strengths and weaknesses of Highmark Insurance, providing you with a well-rounded understanding of their services. To ensure you make the best insurance decision for your needs, we encourage you to enter your zip code and compare rates from the top insurance providers. Take control of your health coverage and secure the best rates available today.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Highmark Insurance History and Mission

Highmark Insurance is a not-for-profit health insurance company that was established in 1977 as the Blue Cross of Western Pennsylvania. The company was formed when Blue Cross of Western Pennsylvania and Pennsylvania Blue Shield merged.

The merger was aimed at improving the quality of healthcare services and reducing costs for customers. Highmark Insurance has since grown to become one of the largest health insurance providers in the United States, offering a wide range of products and services to customers across several states.

Highmark Insurance’s mission is to provide affordable healthcare services to its customers while ensuring they have access to quality healthcare. The company is committed to improving the health of its customers and the communities it serves by providing innovative and accessible healthcare solutions.

Highmark Insurance believes in the importance of building strong relationships with its customers, healthcare providers, and the community to ensure the delivery of the best possible healthcare services. The company’s mission is driven by a focus on excellence, integrity, and compassion.

Highmark Insurance Coverage Options

Highmark Insurance offers a wide range of health insurance products and services to customers across several states in the United States. The company’s products and services include:

• Individual and family plans: Highmark Insurance offers a variety of individual and family health insurance plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point of Service (POS) plans. These plans provide coverage for essential health benefits, such as doctor visits, hospital stays, prescription drugs, and preventive care.
• Medicare plans: Highmark Insurance offers several Medicare plans, including Medicare Advantage and Medicare Supplement plans. Medicare Advantage plans provide comprehensive healthcare coverage, while Medicare Supplement plans help pay for out-of-pocket costs that Original Medicare does not cover.
• Employer plans: Highmark Insurance offers a variety of employer health insurance plans, including group plans, self-funded plans, and ancillary plans. These plans are designed to meet the healthcare needs of employees and their families while providing cost savings for employers.
• Dental and vision plans: Highmark Insurance offers dental and vision insurance plans to customers. These plans provide coverage for routine dental and vision care, as well as major procedures and treatments.
• Prescription drug plans: Highmark Insurance offers prescription drug plans to customers to help them save money on their prescription medications. These plans provide coverage for generic and brand-name drugs, as well as specialty medications.

Highmark Insurance’s coverage options are designed to meet the diverse healthcare needs of its customers, whether they are individuals, families, or employers.

Cost of coverage

The cost of coverage with Highmark Insurance varies depending on several factors, including the type of plan, the level of coverage, and the location of the customer. However, Highmark Insurance offers competitive prices for its products and services.

Here’s a breakdown of the cost of coverage for some of the company’s products and services:

• Individual and family plans: Highmark Insurance’s individual and family health insurance plans are priced competitively. The cost of coverage varies depending on factors such as age, location, and the level of coverage. In general, HMO plans tend to be the most affordable, while PPO and POS plans tend to be more expensive.
• Medicare plans: Highmark Insurance’s Medicare plans are also priced competitively. The cost of coverage varies depending on factors such as the type of plan, the level of coverage, and the location of the customer. In general, Medicare Advantage plans tend to be more affordable than Medicare Supplement plans.
• Employer plans: Highmark Insurance’s employer health insurance plans are priced competitively and offer cost savings for both employers and employees. The cost of coverage varies depending on factors such as the size of the group, the level of coverage, and the location of the customer.
• Dental and vision plans: Highmark Insurance’s dental and vision insurance plans are also priced competitively. The cost of coverage varies depending on factors such as the type of plan, the level of coverage, and the location of the customer.
• Prescription drug plans: Highmark Insurance’s prescription drug plans are priced competitively and offer cost savings for customers. The cost of coverage varies depending on factors such as the type of plan, the level of coverage, and the location of the customer.

It’s evident that Highmark Insurance stands at the forefront of delivering competitive and thoughtfully priced coverage. Whether you’re considering individual or family plans, exploring Medicare options, or seeking comprehensive employer packages, Highmark Insurance navigates the complexity with a commitment to affordability and quality. Thank you for joining us on this journey through the cost landscape of Highmark Insurance.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Areas Where Highmark Insurance is Offered

Highmark Insurance is offered in several states across the United States. The company’s coverage areas include:

• Pennsylvania: Highmark Insurance is based in Pittsburgh, Pennsylvania, and provides coverage to customers throughout the state.
• West Virginia: Highmark Insurance provides coverage to customers throughout West Virginia.
• Delaware: Highmark Insurance provides coverage to customers throughout Delaware.
• New York: Highmark Insurance provides coverage to customers in select counties in upstate New York.
• Ohio: Highmark Insurance provides coverage to customers in select counties in eastern and northeastern Ohio.
• Virginia: Highmark Insurance provides coverage to customers in select counties in Virginia.
• Maryland: Highmark Insurance provides coverage to customers in select counties in Maryland.

Highmark Insurance’s coverage areas may vary depending on the type of plan and the level of coverage. To find out if Highmark Insurance is provided in your state, you can take the following six steps:

1. The first step is to visit the official Highmark Insurance website.
2. Once you’re on the website, click on the “Find a Plan” section located at the top of the page.
3. On the “Find a Plan” page, enter your ZIP code in the space provided and click on “Search”.
4. Next, select the type of plan you’re interested in, such as individual and family plans, Medicare plans, or employer plans.
5. Once you’ve selected the type of plan you’re interested in, Highmark Insurance will provide a list of available plans in your area.
6. On the plan details page, check the coverage areas to confirm whether Highmark Insurance is available in your state.

Determining the availability of Highmark Insurance in your state is a straightforward process, thanks to the user-friendly steps outlined above. By navigating through the official website and customizing your search, you can swiftly confirm whether Highmark Insurance aligns with your geographical location.

For a more in-depth understanding of the plans and offerings, continue your exploration through our comprehensive Highmark Insurance review.

Highmark Insurance Rates Breakdown

Navigating the landscape of health insurance rates involves a nuanced understanding of various factors. Highmark Insurance, as a provider committed to delivering accessible and affordable healthcare, considers a range of criteria when determining rates. Let’s delve into the intricacies that shape these rates, empowering you with the knowledge to make informed decisions tailored to your unique needs.

• Type of Plan: The specific health insurance plan chosen by the customer significantly influences the overall cost of coverage.
• Level of Coverage: The extent of coverage, including deductibles, copayments, and coverage limits, plays a crucial role in determining rates.
• Location: The geographic location of the customer is a key factor, as healthcare costs can vary regionally.
• Age: Age is often a determining factor, with older individuals typically facing higher premiums due to increased healthcare risks.
• Gender: While some states no longer allow gender to be a rating factor, in others, it may still impact insurance rates.
• Health History: Individual health history and pre-existing conditions can influence the cost of coverage.
• Lifestyle Factors: Certain lifestyle factors, such as smoking habits, may also affect rates.

Highmark Insurance Discounts Available

Highmark Insurance offers several discounts to customers who qualify. Here are some of the discounts available:

• Healthy lifestyles rewards: Highmark Insurance offers discounts to customers who participate in healthy activities such as exercising, eating a healthy diet, and getting an annual physical. Customers can earn up to $500 per year in discounts by completing eligible activities.
• Dental and vision bundle discount: Customers who purchase a dental and vision insurance plan from Highmark Insurance can receive a discount on their premiums.
• Multi-plan discount: Customers who have multiple Highmark Insurance plans, such as health insurance and dental insurance, can receive a discount on their premiums.
• Employee wellness program: Highmark Insurance offers an Employee Wellness Program to employers, which includes discounts for employees who participate in healthy activities and wellness programs.
• Military discount: Highmark Insurance offers a discount to active duty military members and their families.
• Senior citizen discount: Highmark Insurance offers a discount to senior citizens who are 65 years old and above.

How Highmark Insurance Ranks Among Providers

Highmark Insurance operates in a competitive landscape alongside several prominent players in the health insurance industry. Understanding the company’s main competitors is crucial for individuals seeking comprehensive coverage. Below, we outline key competitors in the health insurance sector, each vying to provide diverse and affordable healthcare solutions.

Main Competitors:

• UnitedHealthcare: As one of the largest health insurers globally, UnitedHealthcare offers an extensive range of health plans, including individual, family, and employer-based options. With a broad network of healthcare providers, UnitedHealthcare competes with Highmark in delivering comprehensive coverage.
• Anthem Blue Cross Blue Shield: Anthem operates under the Blue Cross Blue Shield association and is a significant competitor for Highmark. It provides health insurance services across multiple states, offering a variety of plans with a focus on accessibility and quality healthcare.
• Aetna: Aetna, now a part of CVS Health, is recognized for its diverse health insurance plans and innovative healthcare solutions. With a national presence, Aetna competes with Highmark in delivering health coverage to individuals, families, and employers.
• Cigna: Cigna is a global health service company that competes with Highmark by offering health insurance, dental coverage, and related services. Known for its commitment to preventive care and wellness programs, Cigna is a formidable player in the health insurance market.
• Humana: Humana specializes in health and wellness solutions, providing health insurance plans, Medicare options, and wellness programs. With a focus on customer-centric healthcare, Humana stands as a significant competitor to Highmark.

Navigating the healthcare landscape involves considering options beyond Highmark. Competitors like UnitedHealthcare, Anthem Blue Cross Blue Shield, Aetna, Cigna, and Humana offer diverse plans and services, emphasizing the importance of exploring various choices to meet individual healthcare needs.

As consumers evaluate their options, understanding the strengths and offerings of these competitors becomes pivotal in making informed decisions about health coverage.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Highmark Insurance Customer Reviews

Highmark Insurance has received mixed reviews from customers. Here is an overview of what customers have reported as the company’s strengths and weaknesses:

Strengths:

• Network of doctors and hospitals: Customers have praised Highmark Insurance for its large network of doctors and hospitals, which provides them with a wide range of options for their healthcare needs.
• Comprehensive coverage: Customers have reported that Highmark Insurance offers comprehensive coverage, including preventive care, mental health care, and prescription drug coverage.
• Customer service: Customers have reported positive experiences with Highmark Insurance’s customer service, citing helpful and responsive representatives.

Weaknesses:

• Cost: Some customers have reported that Highmark Insurance’s premiums and out-of-pocket costs are higher than those of other insurance providers.
• Limited coverage areas: While Highmark Insurance provides coverage in several states, some customers have reported that coverage may be limited in certain areas.
• Claims processing: Some customers have reported issues with Highmark Insurance’s claims processing, citing delays and difficulties in getting claims approved and paid.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption