Health Insurance is one of the most important forms of insurance policies that need to be entered into by all and sundry. Health insurance is basically a type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. Some plans go as far as covering pills and post medical services as well.
However, just as any other form of insurance coverage, the more the items or services required, the higher the pay. Insurance premiums can be so high and when one is not falling sick or having medical issues, it can too soon seem like a major waste of cash. Although, health is wealth and any form of health protection plan should not seem like a waste; it is never advisable to spend out of one’s nose for any one thing – especially when it does not directly yield any returns in cash or wealth.
Across the United States, there are just too many health insurance providers. Some legit and some not; some pricey and some with the best deals available. Knowing that some legal situations require a level of health insurance plans and some not so high earners also have to be protected to an extent, a few good low cost health insurance plans are available. In order to spot these deals and not fall prey to looters, here is a list of the top low cost health insurance plans that are available in the United States.
- BlueCross BlueShield
The Blue Cross Blue Shield Association (BCBSA) is a federation of 36 separate United States health insurance organizations and companies that has been providing health insurance to more than 106 million Americans over the years. Blue Cross on its own, was founded in 1929, and became the Blue Cross Association in 1960. Blue Shield also emerged in 1939 and the Blue Shield Association was created in 1948. The two organizations then merged in 1982.
They have been providing low cost insurance plans for many years since its inception. Nationwide, more than 96% of hospitals and 92% of professional health providers contract with the Blue Cross and Blue Shield companies. They rank number 1 in America, serve 85% of Fortune 100 companies and 76% of Fortune 500 companies and compared to the quality of their service, the offer affordable insurance cost to their clients.
Cigna is an American worldwide health services organization. Their insurance subsidiaries stand as the major providers of medical, dental, disability, life and accident insurance and related products and services. They also have a home delivery pharmacy program that completes order by mail known as Cigna Tel-Drug. You would have access to their global network of trusted hospitals, clinics and doctors; sound customer care services, etc.
Cigna is all encompassing as they cover just about every health requirement needed by Americans. From dental care to pills to cancer treatment and many more. It is classified under low cost insurance because of its various ranges for its services. Cigna has a premium plan, a silver plan and a platinum plan. So depending on one’s budget, one can comfortably suit into Cigna.
When it comes to quality, Humana ranks as one of the best. Humana Inc. is an American Louisville, Kentucky-based, health insurance company. They are also one of the biggest. As at 2014, Humana has had over 13 million customers in the United States. They even reported a 2013 revenue of US$41.3 billion, and have had over 52,000 employees.
Humana also has a drug delivery service for its clients, offer regular check-ups and have an app for quick and easy access for their clients. In 2013, the company ranked 73 on the Fortune 500 list, which made it the highest ranked (by revenues) company based in Kentucky. Low cost health Insurance does not really get better than this.
- Catholic Health Services
This is one for the southerners. Catholic Health Services is a ministry of the Roman Catholic Archdiocese of Miami, and the largest post-acute provider in the southeast United States. They originated as Catholic Community Services, and later became Catholic Health and Rehabilitation Services. In 1985, they assumed the name Catholic Health Services of the Archdiocese of Miami to reflect our growing scope of services.
Since then, they have been providing low cost health insurance services. They are committed and dedicated to providing superior standards of quality healthcare and services. They serve more than 6,000 people on a daily basis with over 7,500 new patients per year and operate 30 facilities in Broward and Miami-Dade counties; they also have $10 million contributed in community benefits yearly.
- Kaiser Permanente Insurance
Kaiser Permanente is an integrated managed care consortium, based in Oakland, California, United States. It is a community of 17,000 physicians committed to providing excellent care. Their quality of care has been rated very highly and attributed to a strong emphasis on preventive care. From cancer and cardiology to high blood pressure and stroke, Kaiser Permanente has offered low cost health insurance plans to Americans with a very high value for money.
They help deliver more than 101,000 babies every year, have wonderful customer reviews, and have top doctors. As of Dec. 31, 2015, Kaiser Permanente has 10.2 million health plan members, 186,497 employees, 18,652 physicians, 51,010 nurses, 38 medical centres, and 622 medical offices. They offer one of the best services in the United States.
When looking for low cost health insurance policies and plans, it is important not to compromise quality for cost. While you may get low cost health insurance policies way cheaper than any of these, it is advisable to put quality first. So many websites would help you get low cost health insurance quotes and for health insurance plans closest to you. Here are some of those platforms are:
- Health matchup
- Direct Health insurance
- Expat finder
Also, to find the best low cost health insurance plans closest to you, be sure to carry out your own research.
When it comes to choosing health insurance policies, one has to be cost cautious as well. We have put together a list of five quality low cost health insurance plans available in the United States.