Question

Write a 175- to 265-word response to the following questions:

• Identify some different health care coverage options for consumers. What are the main differences?
• Who might each of these options be best for? Why?

Answer 1

Identify some different health care coverage options for consumers. What are the main differences? Who might each of these options be best for? Why?

Introduction

There are various standards to hold in idea when deciding on from the pleasant health insurance companies including economic strength, client provider ratings, claims service, design prices, policy offerings, insurance benefits, and company choices. There is no one “best” health insurance company, but the excellent one for you will depend on the kind of health insurance plan you need, your budget, and what is reachable in your area.

The 8 Best Health Insurance Companies of 2020

• Kaiser Permanente: Best for Health Savings Account (HSA) Options
• Blue Cross Blue Shield: Best Large Provider Network
• UnitedHealthcare: Best for Online Care
• Aetna: Best for Employer-Based Plans
• Cigna: Best for Telehealth Care
• HCSC: Best for Healthy Living Programs
• Molina Healthcare: Best for Preventive Care

Kaiser permanente

The health savings account (HSA) options via Kaiser Permanente are reachable for high-deductible plans. The contributions are tax-free and can be used to assist pay for qualifying prices together with prescriptions, primary/specialty care visits, doctor/hospital visits, X-rays, lab tests, ambulance/emergency care services, physical/occupational remedy and vision/dental care.

What We Like

• Strong customer service

• Health savings account options

• Variety of health plans available

Blue Cross Blue Shiela (BCBS)

The Blue Cross Blue Shield (BCBS) Association offers fitness insurance plan insurance not only in the United States but in over one hundred ninety countries.

What We Like

• No matter where you live, there is a health care facility provider who accepts BCBS in your state.

• There are many policy options and there is a plan available no matter how much coverage you may want.

UnitedHealth care (UHC)

UnitedHealthcare (UHC) has an “A” (excellent) financial energy ranking from A.M. Best and is a part of UnitedHealth Group, which is the greatest health insurer in the U.S. It gives character insurance that meets the Affordable Care Act (ACA) requirements for critical care.

What We Like

• Large PPO network

• Online health care services

Aetna

There are severa health programs reachable to Aetna members, too, consisting of health club memberships, weight-loss programs, chiropractic services, and more.

Why we picked it: Aetna acquired 5 stars in normal patron pleasure for the Delaware, West Virginia, and Washington D.C. areas in the 2019 J.D. Power. It has excellent financial strength ratings and coverage is available in all 50 states.

What We Like

• HSAs

• Nationwide coverage

• Wellness programs

Cigna

Cigna has excellent financial strength ratings and out-of-network approvals are not required. It has excellent telehealth services available to members.

What We Like

• Out-of-network care available without a referral

• Telehealth services

HCSC

Healthy dwelling programs are on hand which include an on line fitness assessment tool, smoking cessation support, weight-loss programs, maternity programs, fitness programs, and a 24/7 nurse hotline. Its secure member internet site gives 24/7 get right of entry to to fitness format facts and online tools.

What We Like

• Financial stability

• Excellent healthy living programs

Molina Health Care

Molina has some excellent perks, wellness care, and preventive health care services for its health insurance members including adult immunizations, adult preventive services, child and adolescent immunizations, pediatric preventive health care, prenatal and postnatal care.

What We Like

• Excellent wellness program

• Excellent preventative care

Conclusion

Health insurance typically covers the costs of medical, prescription, and surgical services. It pays for your care if you get sick or injured, as well as preventative care such as vaccines and wellness checkups with your doctor. It pays for most prescription drugs and medical devices.