How good an insurance plan is depends on how well it suits the individual. But, if you're looking for a place to start, it might be good to have a look at these three top health insurance providers first. A lot can be said about an insurance provider that has a large number of happy customers. Here is a listing of the top health insurance providers, and a little information about each.
Aetna - www.aetna.com
Aetna was the first company to offer comprehensive health care resources to consumers. The company's aim is to help you make informed decisions about your health care options. It's not just an insurer, but also provides products and information, using a huge network of insurance companies, health care professionals and individuals.
One of the reasons Aetna is so popular is the wide range of services it offers. In addition to regular health insurance, Aetna also has dental coverage, low-cost prescription drugs, healthcare products and financial assistance.
For just a quick look at the numbers, Aetna has over 15 million members in its medical plan alone. It has more than 10 million dental members and over 13 million members of its pharmacy.
Insure Kids Now - www.insurekidsnow.gov
Health insurance for kids is a whole other ball of wax. Kids need constant medical care including check-ups, exams and illnesses. And, they don't have to worry about chronic diseases or health problems that come with aging.
Insure Kids Now is a government program available in the entire United States to insure kids. It offers special services tailored to the kids of immigrants, who often can not get regular insurance. The requirements are basically that the kid be under 18 and the parents be working.
Every state has its own regulations for coverage, but in general Insure Kids Now covers doctor visits, hospitalizations and prescription drugs. The cost is very low and sometimes free. Some states also offer dental and eye exams.
The application is simple and your kids can stay on the program as long as they still qualify. On their site, you can look up your home state and read about its program.
Blue Cross Blue Shield - www.bluecares.com
Everybody knows the Blue Cross and the Blue Shield. It is a recognizable symbol of health care and safety. This is a giant trade organization that health care providers, insurance companies and individuals can join. BCBS is consumer-oriented, and its aim is to help everyone in the nation get the health insurance they need.
To give you an idea of how big the group is, one in three Americans carries a BCBS card. BCBS is a one-stop service that includes all your health care needs. It has local organizations all over the country, and their website allows you to enter your zip code and find your nearest one.
BCBS provides you with a list of available doctors in your area and you choose one as your Primary Care Physician. Through your PCP you can save money on your doctor visits, prescription drugs and referral services. In addition, there is a wide variety of services available from BCBS.
These options may not be right for you, but they are worth checking out. You want to make sure you are covered by a provider that is reputable and solid, and these three are widely recommended.
