Best Comprehensive Healthcare Companies (2024)

Since rates average $560 per month for an individual health insurance plan, it’s more important than ever to find affordable coverage. With so many plans and providers on the market, starting the search for a new policy can feel overwhelming.

Luckily, it doesn’t have to be. Read on to learn more about the best health insurance in the U.S.A no matter what your situation is. Then, make sure to compare as many quotes as possible to find the best comprehensive healthcare companies for your insurance needs.

Understanding Comprehensive Healthcare Insurance

In the event of a medical emergency, health insurance allows you to budget your medical expenses so that you do not have to cover the entire amount out of pocket. When you purchase a comprehensive health insurance policy, you are expected to pay a fixed monthly/annual amount for the duration of the policy to claim insurance coverage for which the insurer pays for your medical expenses.

What Health Insurance Covers

Typically, health insurance covers the cost of prescription, medical, and surgical services. Health insurance also pays for preventative care, such as vaccines and wellness check-ups. The cost of prescription drugs and medical devices can also be covered under health insurance. However, health insurance does not cover beauty treatments or elective surgical procedures.

Read more: Best Business Insurance for Medical Clinics

Private Health Insurance Costs

Health insurance plan costs can vary depending on various factors, including, but not limited to, your health, the geographical region in which you live, the deductible amount, and your coverage requirements. You are required to pay a fixed rate each month or year, whether or not you visit the doctor.

Policies that provide lower deductibles require you to pay a higher rate but, in turn, let you pay less upfront. Some policies require you to pay more every month, rather than paying for a high deductible all at once.

When you’re searching for health insurance, it’s important to compare quotes from as many companies. For example, the best health insurance for young adults likely comes from a different company than for older people. If you don’t compare quotes, you’ll likely overpay.

Best Comprehensive Healthcare Companies

Now that you have an idea about health insurance, its coverage, and its cost, let us consider some of the best comprehensive healthcare insurance companies nationwide.

Best Health Savings Plan Options — Kaiser Permanente

Kaiser Permanente health insurance is one of the most popular and trusted names in the comprehensive coverage sector. Their network includes more than 23,000 participating physicians. Private health insurance through Kaiser Permanente is available for residents of the following states:

• California
• Colorado
• Georgia
• Hawaii
• Maryland
• Oregon
• Virginia
• Washington
• Washington, D.C.

Pros

Kaiser Permanente offers centralized collaboration among medical professionals of all specialties, which in turn speeds up the diagnosis and coordination of treatment. They also have a remote monitoring technology that allows the doctors to track diabetes and hypertension among the patients year-round. And adult members gain free access to mental health and emotional wellness apps, including Calm and myStrength.

Kaiser also offers a variety of health savings account options and health plans and is known to have high-quality customer service.

Read more: Kaiser Employee Car Insurance Discount

Cons

The company’s coverage area is limited throughout the state. And members must select medical care through doctors and specialists that are a part of the Kaiser Permanente network.

Additional Features

Members residing in any of the coverage areas have access to several plan options like bronze, silver, gold, and platinum. Some of these plans also have an option to add a health savings account (HSA). The high deductible plans have the HSA option.

The tax-free contributions can be used to cover expenses like prescriptions, primary and specialty care visits, doctor and hospital visits, lab tests, X-rays, ambulance, emergency care services, occupational and physical therapy, and vision and dental care. The HSA balance is transferable, and the account comes with a debit card.

Best Employee-Based Plans —Aetna

As a life insurance company, Aetna was founded in 1853 and is one of the country’s largest healthcare insurers today. Aetna health insurance is known for offering group plans like employer, Medicare, Medicaid, and student plans. The coverage is available in all 50 states.

Pros

There are several benefits to having an Aetna insurance plan, including the ability for patients to have their healthcare needs met at walk-in clinics in some states. This company also offers numerous wellness programs, including Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and several other plans with HSA and stop-loss.

EPO health insurance plans are a type of managed care plan. Like PPO plans, EPO plans have a network of healthcare providers that you can see without a referral and have EPO explained to you in detail. However, unlike PPO plans, you will usually need to see a primary care doctor first before being referred to a specialist.

In addition, EPO plans typically do not cover out-of-network healthcare providers. As a result, EPO plans tend to be less expensive than PPO plans. However, they may also provide less coverage.

Some plans also offer a discount of 20% on CVS brand healthcare products.

Cons

Unfortunately, there are some disadvantages of an Aetna plan as well. For instance, its claims process requires a referral letter from the practitioner for certain services, and some plans do not cover healthcare service companies outside of their network.

In addition, individual Affordable Care Act (ACA) plans are only available in four states.

Additional Features

Members have access to HSA plans, which are available for high deductible plans. Aetna has a large network that allows members to find company-approved agents in every part of the country.

The network plan option allows its members to visit an in-network doctor that provides additional savings or even a licensed physician. The wellness programs include gym memberships, weight-loss programs, health coaching, and several other options.

Best Tele-Healthcare — Cigna

Cigna is a global health insurance company, insuring 17 million medical customers globally. It offers private health insurance in 13 states, including:

• Arizona
• Colorado
• Florida
• Georgia
• Illinois
• Kansas
• Mississippi
• Missouri
• North Carolina
• Pennsylvania
• Tennessee
• Utah
• Virginia

This company is popular for providing excellent telehealth services to its members.

Pros

Fortunately, there are some excellent advantages to owning a Cigna insurance plan. For example, it has more than 67,000 contracted pharmacies and more than 1,75,000 mental and behavioral healthcare providers in its network.

Cigna also offers over 1.5 million relationships with global healthcare service providers, facilities, and clinics. And the company provides out-of-network care without the need for referrals.

Cons

Despite the company’s benefits, there are also some disadvantages to consider. For instance, its coverage area is limited as its individual and family healthcare insurance plans are only available in 13 states. In addition, virtual and telehealth care is not available for all plans.

Additional Features

The plan options, deductibles, and co-pay options vary from state to state. Policyholders can keep track of and search for plan network doctors, estimate costs, and claims status. They can also obtain their insurance IDs online.

There are several other benefits for members, like access to a home delivery pharmacy, a health information helpline, flu shot information, and rewards programs. The Cigna Telehealth Connection program allows access to board-certified telehealth providers like Amwell and MDLIVE.

Best Large Provider Network — Blue Cross Blue Shield Association

Blue Cross Blue Shield (BCBS) provides private health insurance in the United States and in over 170 countries. BCBS has 35 independent locally operated health insurance companies in the U.S., which include some of the largest health care insurers.

Pros

Blue Cross Blue Shield offers coverage in all 50 states, including Washington, D.C., and Puerto Rico with healthcare companies in every state that accept its plans. And they have several policy options and plans irrespective of how much coverage you want.

In addition, their network includes over 1.7 million doctors and hospitals.

Cons

Despite this company’s perks, the 35 independent companies of BCBS have different policies and procedures. Furthermore, the BCBS insurer can change if you move from one state to another.

Additional Features

The Blue Cross Blue Shield plans offer access to HSA and flexible spending accounts (FSAs). The FSA plan allows you to save money tax-free for health insurers’ deductibles and other health-related expenses. The HSA plan is similar but is only for high-deductible plans. In contrast, the HMO plan offers great savings but restricts the doctors’ choices to only inside the HMO.

Best Online Care — UnitedHealthcare, Inc.

UnitedHealthcare (UHC) offers individual insurance that meets the requirements of the Affordable Care Act (ACA) for essential care. UHC is known for its online healthcare services.

Pros

This company has a network of more than 1.1 million physicians and healthcare workers and over 3,000 hospitals. Their wellness programs include online weight loss support with rewards to reach your goals.

In addition, their global services offer health coverage for expatriates.

Cons

Certain wellness programs are only offered for employer-sponsored plans. In some cases, the claims may have to be submitted by the patient.

Additional Features

UHC members have access to online care, including ordering prescriptions online, speaking with a nurse via a hotline, and online wellness information. The online services are available for members 24/7.

They also have a mobile app to use on the go. Members can avail of discounts for various health-related products and services like hearing aids, vision services, and smoking cessation programs.

Choosing the Best Comprehensive Healthcare Insurance Company

Comprehensive healthcare insurance provides you with a more extensive service than regular health insurance. Many companies offer comprehensive insurance. While choosing one, remember to select a plan that is available in the area where you reside.

Have a clear idea of your priorities and needs, then choose an insurance company accordingly. Take your time and do your research to find a plan that will cater to your needs. To procure an expert’s opinion, compare comprehensive life insurance quotes on our website.

Best Comprehensive Healthcare Companies With Claims Process: Making Informed Choices

Ease of Filing a Claim (online, over the phone, mobile apps)

When it comes to filing claims with comprehensive healthcare insurance providers, convenience is a key factor. Most leading insurance companies, such as Cigna, Kaiser Permanente, and Aetna, offer multiple channels for filing claims. Policyholders can typically file claims through user-friendly online portals, over the phone with dedicated customer service representatives, or even via mobile apps designed for easy claims submission.

This flexibility ensures that policyholders can choose the method that suits them best, making the claims process as hassle-free as possible.

Average Claim Processing Time

The speed at which an insurance company processes claims is crucial for policyholders in need of quick reimbursement for medical expenses. While the exact processing time can vary depending on the complexity of the claim and other factors, comprehensive healthcare insurance companies often strive to streamline their claims processing systems.

On average, policyholders can expect claims to be processed within a reasonable time frame, helping them access the coverage they need promptly.

Customer Feedback on Claim Resolutions and Payouts

The satisfaction of policyholders with the resolution and payouts of their claims is a vital aspect of comprehensive healthcare insurance. Customer feedback provides valuable insights into the effectiveness and reliability of insurance providers in handling claims. Companies like Cigna, Kaiser Permanente, and Aetna aim to prioritize customer satisfaction by promptly addressing claim issues and ensuring fair and transparent payouts.

Customer feedback and reviews play a significant role in evaluating the performance of these insurers in meeting their policyholders’ needs.

Mobile App Features and Functionality

Comprehensive healthcare insurance companies understand the importance of technology in enhancing the overall customer experience. To this end, they often offer mobile apps with a wide range of features and functionalities. These apps empower policyholders to manage their health insurance on the go, from accessing digital ID cards to tracking claims and reviewing policy details.

The mobile apps provided by companies like Cigna, Kaiser Permanente, and Aetna are designed to simplify the insurance experience, making it more convenient and accessible for policyholders.

Online Account Management Capabilities

In today’s digital age, online account management has become a standard offering for comprehensive healthcare insurance providers. Policyholders can log in to their accounts through secure online portals to perform various tasks. This includes reviewing policy documents, updating personal information, tracking claims, and making premium payments.

The ease and convenience of online account management contribute to a seamless customer experience with insurers like Cigna, Kaiser Permanente, and Aetna.

Digital Tools and Resources

Comprehensive healthcare insurance providers often offer a range of digital tools and resources to help policyholders make informed decisions about their health and insurance coverage. These resources may include health and wellness apps, online calculators for estimating healthcare costs, and educational materials on health-related topics.

Companies like Cigna, Kaiser Permanente, and Aetna are committed to providing policyholders with valuable digital resources that promote health and well-being while enhancing their understanding of their insurance coverage.