Individual Health Insurance Provider
Depending on which state that you live there are over a dozen individual health insurance providers.
Every company that provides individual coverage competes for your business.
Competition brings lower monthly premiums and better quality of plans.
Some of the larger providers that you and I have heard of are Anthem Blue Cross and Blue Shield, Aetna, Kaiser Permanente, United Health Care, HealthNet and many more.
In some state like California Blue Cross and Blue Shield are two separate competing health care companies.
Think of Blue Cross and Blue Shield as a franchise name that insurance companies can sell individual medical insurance under.
There is national Blue Cross Blue Shield Association that watches over their franchise brand name.
Insurance companies have to follow guidelines by the Association.
Insurance companies have certain level of rebranding and that is how you get names like Anthem Blue Cross Blue Shield, Anthem Blue Cross, Horizon Blue Cross Blue Shield, and Blue Shield of California and so on.
Choosing individual health insurance provider can be confusing if you do not know where to look.
One search on the internet can be overwhelming with millions of website each offering variety of plans from different health care companies.
Like there are a lot of medical insurance companies that provide individual health insurance there are lots of website the sell those plans.
There are basically two insurance website that sell insurance.
There is website that refers you to local insurance agent and then there are websites that you can get quotes and purchase insurance right online.
Most health care companies offer both plans for individuals and health plans for small business groups.
Company like United Health Care offers individual health insurance plans under a name Golden Rule and PacifiCare.
If you ever had a Cigna plan through work then you will have look somewhere else because they are not individual health insurance provider.
Cigna offers only small and large business group plans.
Staying with well known individual health insurance provider will give you a piece of mind knowing that when it times to pay your medical insurance claims, they are going to be there for you.
Generally the larger the insurance company the better coverage you can get for your money.
The more spread out the risk the more stable insurance company is and lower the rate increases.
Every company that provides individual coverage competes for your business.
Competition brings lower monthly premiums and better quality of plans.
Some of the larger providers that you and I have heard of are Anthem Blue Cross and Blue Shield, Aetna, Kaiser Permanente, United Health Care, HealthNet and many more.
In some state like California Blue Cross and Blue Shield are two separate competing health care companies.
Think of Blue Cross and Blue Shield as a franchise name that insurance companies can sell individual medical insurance under.
There is national Blue Cross Blue Shield Association that watches over their franchise brand name.
Insurance companies have to follow guidelines by the Association.
Insurance companies have certain level of rebranding and that is how you get names like Anthem Blue Cross Blue Shield, Anthem Blue Cross, Horizon Blue Cross Blue Shield, and Blue Shield of California and so on.
Choosing individual health insurance provider can be confusing if you do not know where to look.
One search on the internet can be overwhelming with millions of website each offering variety of plans from different health care companies.
Like there are a lot of medical insurance companies that provide individual health insurance there are lots of website the sell those plans.
There are basically two insurance website that sell insurance.
There is website that refers you to local insurance agent and then there are websites that you can get quotes and purchase insurance right online.
Most health care companies offer both plans for individuals and health plans for small business groups.
Company like United Health Care offers individual health insurance plans under a name Golden Rule and PacifiCare.
If you ever had a Cigna plan through work then you will have look somewhere else because they are not individual health insurance provider.
Cigna offers only small and large business group plans.
Staying with well known individual health insurance provider will give you a piece of mind knowing that when it times to pay your medical insurance claims, they are going to be there for you.
Generally the larger the insurance company the better coverage you can get for your money.
The more spread out the risk the more stable insurance company is and lower the rate increases.
