Best Health Insurance: When I was a kid, people used to say that their loved ones passed away due to a lack of proper treatment. I blamed the medical facilities for their loved one’s expiry. But, I was wrong and I later realized that it’s the money every time that plays a crucial role in overcoming medical hurdles. As everyone knows, medical expenses are a part of everyone’s life nowadays. Can you say “I never came across any person in my lifetime who’s gone through medical treatment”? I bet, the answer is a NO. With this, you might be realizing how much amount of money people are spending on medical expenses. Those who can afford will be affording the money for sure and those can’t afford, will be affording their loved one’s lives for sure. I might be rude with this statement. But it’s the reality, my dear.
Keeping the above in mind, the term “Health Insurance” was coined some years ago. It is as simple as paying a premium every month and getting the benefit when you are in the medical emergency. It has become a crucial step in the financial planning of every family and hence, the government and private sectors are providing definite medical insurance for their employees. Employees can opt that benefit not only in case of self-medical emergency but also in case of dependent family medical emergencies. Don’t worry if you are not employed and if you run your own business or whatever, every individual has got a right to foresee their future and invest in their health. Below is some of the useful information about the health insurance and it’s plans which you might be interested in:
There are different types of health insurance policies in USA. Below are a few:
Individual Insurance Policy: As the name suggests, this policy is mostly for a person who is paying the monthly premium. Else, there is a possibility that a person is paying towards another person’s health insurance. In short, only one individual whose name is present in the insurance records can avail the medical insurance benefit. The plan might cover pre and post hospitalization charges.
Family Health Plan: As the name suggests, this plan is towards the medical needs of the entire family. The premium will be directly dependent on the number of persons you add for the policy. Ideally, there would be a slab per person which you can avail in case of medical emergencies.
Senior citizen Health Plan: As the name suggests, this plan is especially for senior citizens. The scheme holders must show their valid age proof while availing this benefit. This plan covers every area of health hurdle and would be very ideal for all our lovely senior citizens.
Personal Accident cover: As you know, the accidents figure has been drastically increased these days. So, it is ideal to avail an accident cover so that the dependent family can get some lump sum amount if anything bad happens. This is one of the most availed health plans availed these days.
Top 25 U.S. Health Insurance Companies:
- Unitedhealth Group
- Wellpoint Inc. Group
- Kaiser Foundation Group
- Humana Group
- Aetna Group
- HCSC Group
- Cigna Health Group
- Highmark Group
- Coventry Corp. Group
- HIP Insurance Group
- Independence Blue Cross Group
- Blue Cross Blue Shield of New Jersey Group
- Blue Cross Blue Shield of Michigan Group
- California Physicians’ Service
- Blue Cross Blue Shield of Florida Group
- Health Net of California, Inc.
- Centene Corp. Group
- Carefirst Inc. Group
- Wellcare Group
- Blue Cross Blue Shield of Massachusetts Group
- UHC of California
- Lifetime Healthcare Group
- Cambia Health Solutions Inc.
- Metropolitan Group
- Molina Healthcare Inc. Group
We have some good health insurance providers in the market today, below are a few:
Aetna Health Insurance -Aetna has an excellent reputation and is one of the largest health insurers in the U.S. It has an “A (Excellent)” A.M. Best rating and provides employer health plans to residents of all 50 U.S. states. Aetna offers affordable health insurance options that include preventive care, hospitalization, office visits, immunizations and other types of essential health care services. Members also have access to tax-free health savings account (HSA) plans
Blue Cross Association Health Insurance – The Blue Cross Association offers health insurance coverage not only in the United States but worldwide in over 170 countries. Almost 100 million Americans have their health insurance through a BlueCross/BlueShield organization. There are 39 Blue Cross health insurance organizations in the U.S. and most have A.M. Best financial strength ratings of “A+ (Excellent)” or above.
Blue Cross member s have access to plans through HMOs and PPOs. The HMO plans offer the most comprehensive plans at the greatest savings but limit doctor choices to those inside the HMO. The PPO plans, on the other hand, offer more flexibility with a great number of participating doctors.
We’ve outlined some key and interesting features which tempts an individual to opt for a health insurance:
- Cash less treatment: People can immediately rush to their nearest hospital by just carrying the required documents. There is no need to carry cash.
- Non-medical expenses: Every Insurance providers grants some amount for non-medical expenses which means there is no need that the customer needs to spend money on tiny things as well such as cotton, syringes etc.
- Pre and Post hospitalization expenses: Every insurance provider covers both pre and post hospitalization fees so that individuals need not worry after discharging as well.
- Ambulance Fee: The insurance provider also takes care of ambulance fees which means every tiny part is covered under the scheme.
So, what are you waiting for? Go grab your health insurance now and enjoy a hurdle free medical life.