Top Health Insurance Providers in the USA

Insurance is something that is extremely important to everyone. Whether you realize it or not, we all need insurance… but when you're looking to get insurance you definitely want to have it with a good insurance company. You don't just want it to be with a company that isn't going to give you the best coverage and just wants your money. You want to have the best possible insurance with the best company. Here are the top insurance providers you will find in the United States.

1. United Healthcare: United Healthcare has their headquarters in Minnetonka, Minnesota and just so happens to be the largest single healthcare carrier in the United States. They offer quite a few medical plans which cost different amounts, have different benefits, co payments, limitations and exclusions.

  • Short Term Medical Plus: The benefits for this plan include visits to the doctor's office, MRI, lipid panel, complete blood count, metabolic panel, general panel, emergency room visits for both illness and injury, and mental or nervous disorders (which includes substance abuse). If you are visiting a doctor in your network you don't have a co-pay, but if you see someone that isn't in your network you may have a co-pay but the amount you would have to pay isn't revealed. The cost for this plan differs depending on how many people are covered, but can start around $89.40.

  • Short Term Medical Value: The benefits that are included in this plan include doctor's office visits, MRI, lipid panel, complete blood count, metabolic panel, general panel, prescription drug benefits, outpatient expense benefits and inpatient expense benefits. There is an co-pay for this plan and it depends on what services you are receiving… generally they are around $10. The cost for this plan differs depending on the number of people that are covered, but is estimated to start around $47.40.

2. Aetna: The headquarters for Aetna are located in Hartford, Connecticut and they are known for selling their traditional and consumer directed healthcare insurance. Aetna has different levels of their benefits and what's covered under them… there's the:

  • Bronze Level: Co-pay for this level is $15; with this plan 60% of the healthcare costs are covered, the rest the client will have to pay. Out-of-pocket costs are higher in terms of deductibles, copayments and coinsurance. The cost for this plan depends on the age and if you use tobacco or not; the price will range from $132.07 - $694.35.

  • Silver Level: Co-pay for this level is $10; with this plan 70% of the healthcare costs are covered. Monthly premiums tend to be higher with this plan, but the out-of-pocket costs are lower. The cost for this plan depends on the age and if you use tobacco or not; the price will range from $159.13 - $826.69.

  • Gold Level : Co-pay for this level is $10; with this plan 80% of the healthcare costs are covered. Out-of-pocket costs for copayments, deductibles and coinsurance are a lot -lower than any other plan, but the monthly premiums are higher. The cost for this plan depends on the age and if you use tobacco or not; the price will range from $225.94 - $1,173.81.

3. Molina Healthcare: Molina Healthcare has its headquarters located in Long Beach, California. With about 3.5 million people having Molina Healthcare in 2015 (most through government-based programs for healthcare), Molina has become one of the top insurance companies in the United States. Molina offers Medicare, Medicaid or a dual plan that includes both. The benefits that you will find with Molina include:

  • Non-emergency transportation

  • Dental

  • Vision

  • Women's health care services

With Molina there is a $0 co-pay for round-trip rides in the transportation that is provided along with a $0 co-pay for generic drugs that you've been prescribed. There is also a $20 allowance for over-the-counter items you may need. There wasn't a specific price given their plans; this is because it depends on your location as well as information that is needed such as age, income and other things of this sort.

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