The Best Health Insurance Providers in the United States

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In order to obtain the best medical insurance for your own as well as for your family members, it will be wise to look for the most well known health insurance companies in the market. If you don’t have any idea, this article may be able to assist you.

WellPoint Incorporation

It is the leading health plan provider in United States with approximately 35 million medical members. One of every nine Americans receives coverage for their medical care through WellPoint’s affiliated health plans. It offers a broad range of medical and specialty products.

United Health Group

It is the second largest health insurer in United States which is right behind WellPoint. It is famous for its health benefit plans with lower medical costs. In addition, it offers specialty care programs such as vision and dental care, as well as Health Savings Accounts and Health Reimbursement Accounts.

Aetna Incorporation

It is one of the most active and popular health insurance companies in United States. It offers a broad range of traditional and consumer based medical insurance products and related services which include medical, pharmacy, dental, behavioral health, group life, long term care and disability plans as well as medical management capabilities.

CIGNA Corporation

It is one of the top US health insurers. It is a global health service company, dedicated to helping people to improve their health, well-being and security. CIGNA covers more than 9 million people in United States with its large variety of medical plans. It also offers other health coverage in the form of dental, vision, pharmacy, and behavioral health plans.

By knowing which companies are nationally recognized, it will be more convenient for you to obtain "quality" medical coverage.

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Get Low Cost Health Insurance Quotes From A-Rated Companies

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Get Low Cost Health Insurance Quotes From A-Rated Companies

Want to know how to get low cost health insurance from A-rated companies? This article shows you how to do it.

Low Cost Health Insurance Plans

The lowest-cost health insurance plans are known as managed health care plans. Here’s a brief overview of these plans:

* HMO (Health Maintenance Organization) - When you sign up for one of these plans you are given a network of doctors and hospitals that you must visit when you’re ill. You pay a monthly premium, as well as a co-payment of $5 to $15 for each doctor visit. This is the cheapest plan because you’re restricted to seeing only doctors within your network.

* PPO (Preferred Provider Organization) - This plan also sets you up with a network of doctors and hospitals. Like an HMO, you pay a monthly premium as well as a co-payment of $5 to $15 for each doctor visit. You may see a non-network physician, but you’ll only receive partial payment for his or her services. This is the most popular of the managed health care plans.

* POS (Point-of-Service Plan) - This plan is a meld of an HMO and a PPO. You’re set up with a health-care network, and you pay a monthly premium as well as nominal copayments for doctor visits. If your designated primary physician refers you to a non-network physician, this plan will pay for your treatment. This is the most costly and the most flexible plan.

Where to Get Low Cost Health Insurance Quotes

The best way to get low cost health insurance is to comparison shop. And the best way to do that is to go to an insurance comparison website. These sites are affiliated with a number of insurance companies who compete to get your health insurance business.

All you do is fill out a simple form and wait to get a quote. You then choose the quote that best suits your needs.

If you have any health insurance questions, the better sites have a chat feature where you can get them answered by an insurance professional. (See link below.)

Where to Get Company Ratings

If you want to make sure you’re dealing with a reputable health insurance company you can get U.S. News & World Report’s Best Health Plans report. This report rates companies based on member satisfaction, access to care, and delivery of preventive services and treatment. You can see it at: www.usnews.com/usnews/health/best-health-insurance/topplans.htm.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get low cost health insurance quotes from top-rated companies in your area and see how much you can save. You can get more health insurance tips by checking out their "Articles" section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on low cost health insurance quotes.

By Brian Stevens
Published: 4/2/2007

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