Trying to find the best health insurance can be a challenge. With so many elements to take into account, it can be a lengthy process full of research, long phone calls and reading reviews to narrow down a plan with the best coverage for you and your family. You may be growing your family or looking for a plan for just yourself. You may find yourself sick rarely or have a chronic illness; they require a number of annual visits.
There is also a cost to consider as well as primary care physicians. You may already have a long time doctor who wouldn’t fit into your new plan who you do not want to part with. Or maybe you are looking for a new doctor entirely. Narrowing down the right health insurers company can be daunting.
According to health insurance experts, all of the above is important but there are three definitive aspects you should know before selecting a health insurance; different tiers of health insurance coverage, plans and network types, premiums and deductibles.
Within any health insurance plan there are typically different groups of coverage; gold, bronze and so on. There are also plan types; HMO, PPO, EPO and POS. Plan types will allow or limit you to use certain healthcare providers. Last, weekly or monthly premiums and deductibles are a major factor given your income. With so much to think about, here are four of the best health insurance companies of 2022 worth looking into for your healthcare needs.
Blue Cross Blue Shield has been named the best overall insurance, according to Value Penguin. Blue Cross Blue Shield is large and available in almost all 50 states. This allows the company the ability to give individuals better plan coverage and a variety of options; medical, dental and more. Their customer care team is also great when it comes to support and explanation of coverage.
United HealthCare has also caught the attention of many for its zero cost for primary care, the low cost for prescriptions and access to wellness programs. UHC’s Primary Advantage plan is available across different networks and plans with the company’s key mission to get subscribers to visit their primary care physicians. They also offer zero copays for virtual visits.
Kaiser Permanente is also being touted as one of the health insurance providers of this year. According to Health Care Insider, the insurance company runs a large network of health care providers and healthcare specialists who effectively communicate in an effort to speed up diagnosis and treatment plans. They also offer an abundance of resources for mental health. The downfall however, is that Kasier is only available in a handful of states; Georgia, Hawaii, Maryland, Oregon, Virginia, California, to name a few.
Anthem, is lastly one of the best instruction companies for young adults, as shared by Value Penguin. Best suited for those who do not have chronic medical conditions, Anthem is reasonably priced for younger ages. The company is a subsidiary of Blue Cross Blue Shield. They offer a large network of providers to choose from and boast an array of plans, vision, dental and short term disability.
