Best Health Insurance Companies 2022 - Appbing
October 4, 2022
Best Health Insurance Companies 2022

Best Health Insurance Companies 2022

If suddenly you get ill and you are looking for a health insurance company that will provide you with a professional level of health insurances with lots of benefits and care. While no health insurance company is perfect, you can find the best health insurance company for you by considering your needs, wants, and budget. 

Here’s a list of the Best Health Insurance Companies

UnitedHealthcare

Pros             

  • Proprietary network of more than 1.1 million physicians and healthcare workers along with more than 3,000 hospitals.1
  • Wellness programs include online weight loss support and rewards for reaching health goals. 
  • Global services provide health coverage for expatriates.3

Cons

  • Some wellness programs are only offered for employer-sponsored plans.  
  • Claims may have to be submitted by the patient in some cases.5

Kaiser Permanente

Pros

  • Centralized collaboration among medical professionals of all specialties can speed up diagnosis and coordinate treatment.6
  • All adult members get free access to mental health and emotional wellness apps Calm and MyStrength.7
  • Remote monitoring technology lets doctors track diabetes and hypertension in patients year-around.8

Cons

  • Coverage only available in California, Colorado, Georgia, Hawaii, Maryland, Oregon Virginia Washington, and the District of Columbia.9
  • Members must select medical care through the Kaiser Permanente network of doctors and specialists.10

Aetna

Pros

  • In some states, patients can have health care needs met at walk-in clinics.11
  • Some plans offer 20% discount on CVS brand health care products.12
  • Aetna offers Preferred Provider Organization (PPO), Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans.13

Cons

  • Claims process can be intricate including the need for a referral letter from your practitioner for certain services.14
  • Health care providers outside of network may not be covered under some plans.15  
  • Individual ACA health plans only available in four states.16

Centene

Pros

  • Largest Medicaid Managed Care Organization in the United States.17
  • Has international presence through subsidiaries in Central Europe, Spain and the United Kingdom.18

Cons

  • Relatively young company, founded in 1984.19
  • Not available in all 50 states.20

Cigna

Pros

  • More than 67,000 contracted pharmacies in network.21
  • More than 175,000 mental and behavioral health care providers in network.22
  • More than 1.5 million relationships with global health care providers, facilities and clinics.23

Cons

  • Individual and family health insurance plans only offered in 13 states.24  
  • Virtual/telehealth care not available for all health plans.25

BlueCross BlueShield

Pros

  • Coverage available in all 50 states, Washington DC and Puerto Rico.26
  • Network includes more than 1.7 million doctors and hospitals.27

Cons

BlueCross BlueShield consists of 35 independent companies, which may have different policies and procedures.28  

If you move to a new state, your BlueCross BlueShield insurer may change.2

Conclusion

These are some of the best Health Insurance companies 2022, like earlier stated, the choice you make will be depending on your budget and which of the insurances company’s policy suits you the most.

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