Medical insurance is the essential thing for your life and finance. So you should keep patience and be careful about choosing health insurance. It can be caused frustration if you make a wrong choice for your medical insurance. This article lists some of the best medical insurance USA in 2023.
This article will guide you in picking the most suitable medical insurance that meets your needs and budget. So keep your attention steady!
Best and Recommended Medical Insurance USA in 2023
Shopping around for medical insurance takes work. You need to compare to other health insurance to get the best one. Here is the best and most recommended medical insurance USA that you can choose in 2023.
1. United HealthCare
The first best and recommended insurance USA in 2023 is United Healthcare. It is the best medical insurance with the best medicare advantage plans. It has served medical insurance needs nationally or throughout the USA and in 17 other states.
United HealthCare also provides you with various family and individual plans. They also have a wide variety of short-term plans suitable for those who live in the USA for a short time.
This insurance has some pros:
- They offer adult and child dental coverage
- Best for ex-pats who live in the USA short time with various short-term medical insurance plans
- The average NCQA rating is 3.5 stars
- Medicare plans available nationwide
- It has Medicare Advantage Plans high-ranked
Some cons of United HealthCare
- Have a tiny choice of medical management programs
- No PPOs
- The premium is higher than the average premium for medical plans
2. Blue Cross BlueShield
Another nationwide medical insurance that will be good for you is Blue Cross BlueShield. They have a 3.7 out of 5 stars NCQA rating. They also offer affordable health insurance plan with a variety of quality. Some of Blue Cross BlueShield Insurance pros are:
- High NCQA rating than any other insurance company
- It has a wide variety of plan types and also metal levels
- They have the lowest gold premium plans
- Virtual care is available 24/7 in some states with a $0 fee
Some cons of Blue Cross BlueShield, include:
- Copays in some states are relatively high
- The deductible is high on some plans
3. Kaiser Permanente
This is the best and recommended medical insurance USA with the highest customer satisfaction. No wonder the NCQA Rating is 4.3 out of 5 stars. They also have the highest third-party ratings. In addition, they will provide you with free virtual care in the majority of plans. Here are some Kaiser Permanente pros:
- It has a star rating from Healthcare.gov
- Free 24/7 virtual customer care that available in most programs
- Higher customer satisfaction
Some of KaisPermanente’s cons are:
- The plans are HMOs
- The availability is minimal
4. Oscar
The following best and recommended medical insurance company in the USA is Oscar. It has annual step rewards, suitable for you who live with many businesses. It also has the lowest medical insurance plan price in each age group. Plus, it offers the best value for silver or bronze plans.
There are some pros of Oscar Insurance, which include:
- The cheapest plans across age groups
- Virtual care in most plans with $0
- They provide you with a convenient mobile app
- Annually in-step rewards with up to $75
Some of the cons of Oscar Insurance are:
- Not available in all states
- Bad member experience ratings
5. Aetna CVS Health
This medical insurance USA is available in 12 states, Aetna CVS Health with NCQA rating 3.4 out of 5 stars. They also provide low-cost or even free Minute Clinic services seven days a week. There are some pros of Aetna CVS Health.
- Provides you MinuteClinic services at no or low cost
- The premium plan can be 0$ with tax credits
There are some cons of Aetna CVS Health, including:
- It has higher average premiums than any other insurance company
- It doesn’t have any offer for dental coverage with other insurance plans
6. Cigna Health Insurance
Cigna is a medical insurance in the USA with a presence globally in the 10 US States, such as Virginia, Utah, North Carolina, Missouri, Illinois, Kansas, Florida, Colorado, and Arizona. It also gets an Excellent A rating from AM Best.
Financially, Cigna is a relatively healthy insurance company. They provide 24/7 operator or call center services for all their insurance members.
Most of the plans do not require outside approval. The company provides access to an extensive network of quality providers and facilities nationwide and offers members free telehealth services.
Some of Cigna’s Pros:
- They provide you website and mobile app and help you to manage coverage details, appointment reminders, claims, health goals, expenses, and more.
- Policyholders can quickly look for plan network physicians, check claims status, estimate costs, and obtain insurance ID cards all online.
- Attractive member benefits include access to a home delivery pharmacy, a rewards program, a health helpline, and flu shot information.
But, there are also Cigna cons that include:
- Not available nationwide
- Lousy service in claim denials
- There are some problems with customer service
7. Molina Healthcare
Last but not least, the best medical insurance USA is Molina Healthcare. They are well-known as recommended medical insurance in many states. Molina Healthcare also has an extensive network of hospitals and many healthcare providers.
They have served around 4,6 million people and offer the best plan in 15 states. The best thing about Molina Healthcare is they have helped many low-income people to get healthcare regardless of their ability to pay for services. Some of Molina Healthcare’s pros are:
- They have 3 to 4 tiers of health insurance plans
- Offers competitive quotes
- They have a focus on wellness
Some cons of Molina Healthcare:
- Bad customer service
- They are not available in all states
Be Careful in Choosing Health Insurance
That’s all about recommended and best medical insurance USA in 2023. Health insurance is indeed an essential thing for you to have. Therefore, you must be careful in choosing health insurance so that it can meet your needs.