What is Health Insurance?
What does the plan of health insurance cover?
The health reforms act has been introduced in America which is more standard to provide health care benefits to its citizens. It varies from plan to plan but some of the prominent are;
1. Prescription Drugs
2. Hospitalization
3. Dental and vision care
4. Laboratory services
5. Emergency cares
6. Newborn care
7. Home base hospitalization
8. Rehabilitation
9. Chronic disease and Preventive services
10. Mental care services
How Much Does it Cost?
Average
Monthly Benchmark Plan Premiums Year 2020
Alaska
$585.00
Alabama
$453.00
Arkansas
$300.00
Arizona
$362.00
Delaware
$449.00
Florida
$383.00
Georgia
$366.00
Hawaii
$381.00
Iowa
$608.00
Illinois
$369.00
Indiana
$314.00
Kansas
$412.00
Kentucky
$386.00
Louisiana
$410.00
Maine
$419.00
Michigan
$295.00
Missouri
$396.00
Mississippi
$399.00
Montana
$396.00
North Carolina
$457.00
North Dakota
$314.00
Nebraska
$583.00
New Hampshire
$332.00
New Jersey
$321.00
New Mexico
$282.00
Ohio
$307.00
Oklahoma
$493.00
Oregon
$364.00
Pennsylvania
$376.00
South Carolina
$414.00
South Dakota
$486.00
Tennessee
$419.00
Texas
$353.00
Utah
$456.00
Virginia
$427.00
Wisconsin
$402.00
West Virginia
$515.00
Wyoming
$723.00
38-State Average
$413.34
38-State Median
$397.50
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Top Health Insurance Companies in America
According to a survey, the accident and health insurance industry’s direct written premiums reached $1.1 trillion, up by 57.3% from 2009. The largest 10 insurers collectively wrote 51.8% of the total US market, according to NAIC.
The top companies with easy access are listed here.
UnitedHealth serves clients in America and more than 130 other
countries through two platforms: UnitedHealthcare provides healthcare coverage
and benefits services, while Optum offers information and technology-enabled
health facilities.
2.
Aetna
Aetna is one of the big companies operated in the USA offering health and other insurance. Health benefits and health insurance plans contain exclusions and limitations. It is best for health coverage. It can be easily accessed here.
Health Care Service Corporation
HCSC is the largest health care Corporation in America. Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC), provides a variety of health and life insurance products and related services, through its operating divisions and subsidiaries.
The company offers health services like allergy, audiology, cardiology, dermatology, oncology, hospice, laboratory, nephrology, occupational therapy, pain management, pediatric rehabilitation, and pharmacy services. The company serves patients in the US. It is labeled as the second-largest company in America.
It has a Direct Written Premiums of $56 billion 5.1% of market
share in the USA. Their plans are intended to meet the clients where they are,
with benefits and features to help support not just their physical health but
their emotional and social health as well.
How to Get Health Insurance in America?
There are three major steps you need to follow to get health insurance services in the USA.
Check Your Eligibility
You can check your eligibility at UsaGov/health
2. Select the Plan
Choose the one which is right for you.
3. Get Enroll
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