Best Health Insurance Companies in America
When you heard about health insurance you’ll probably think about all the problems. Nowadays health insurance provide many option that you could choose depend on your needs but the problems is most of it are too expensive, too complex, and too exclusive. But whether the problems can be fixed or not, the truth is you need health insurance. So let’s find out the best health insurance companies in America.
The Features That Matters Most
When you are looking for a health insurance there are some features that matter the most for you to know. First are the deductibles. The deductibles mean sum of money that you need to pay out of your own pocket. The logic is the higher the deductible, the lower the health care premium. Second are the Co-pays. The co-pays are the fee, not covered by the health insurance, which you need to pay for your own health care like the visits to the doctor or healthcare specialist.
The third is the coverage limits. It is the limits from the health insurances to coverage your treatments fees. The fourth is the emergency service coverage. This is the type of coverage that pays for the ER and hospitals visits. The fifth is the pre-hospitalization testing coverage. This is the coverage for the lab tests and check-ups. The last one is the home health care service coverage that will cover the cost of home health care services if it is needed.
Who Need The Health Insurance?
The health insurance was aimed for the students, employees, heads of families, and senior citizens.
The students: according to the US law that anyone over the age of 26 must own a health insurance. Many students purchase their own health insurance through their school because they are no longer qualifying for their parent’s health insurance.
The employees: They usually purchase their health insurance through their employers but they can also purchase it privately or open a health savings account.
While the heads of family often purchase family plans that allow them to cover the family needs for health insurance, the senior citizens have their own special health care need due to their age. Now after you know all the features, I’ll give you 10 best health insurance companies in America that you can choose.
The Best Health Insurance Companies
Now here are ten best health insurance companies in America according to the customer reviews. They are the BlueCross BlueShield, United Health Care, Aetna, Humana, Kaiser Permanente, CIGNA, Celtic Healthcare, Molina Healthcare, Assurant Health and Select Health.
Tags: health, insurance, companies, America
Tag : health