Finding Health Insurance Companies to Deal With

With the many different health insurance companies that operate in this country, how do you go about choosing the best one for your needs?

All you have to do to find a list of the companies is to do a simple search online to find the names of hundreds of such companies that are waiting to sell you a health insurance policy. Some of the names may be immediately recognizable for you because they are national companies, such as Blue Cross, Blue Shield the American National Insurance Company and American Family Insurance.

Before choosing any one of the many health insurance companies, you do have to compare the various health plans each one offers. Some may be better for your health needs than others with affordable premiums.

For example, some of the health insurance plans will limit you to specific doctors or hospitals while others will let you choose the health care practitioner and facility of your choice. Even though most health plans include vision and dental care, if you have young children you may want to have a policy that includes coverage for braces and retainers. This will limit the list of health insurance providers from whom you can purchase a policy.

Another factor that you need to look at as you compare health insurance companies and policies is how payment is made for the services you receive. Many policies now have direct billing, which means you pay only a portion of the cost when you receive the service and the bill for the rest of the cost goes to the insurance company. In other health plans you have to pay the full cost and then submit a claim for reimbursement.

Check out the credit rating of the various health insurance providers that offer plans that seem agreeable to you. In this current economic climate, it is important to make sure that the company is solvent and will not have to declare bankruptcy leaving you without the benefit of health insurance.

Standard and Poor’s, Moody’s, and the A.M. Best Company rate health insurance companies according to letter grades. An A+ rating is the best, so when you do check if the company has such a rating or even AAA, this is a good company to do business with.

Some of the health insurance companies operate in all states of the country. This would be a good factor to help you find the best health plan because companies with such a large scope no doubt have a wide range of plans for you to choose from. You may also be very surprised to find that some of the smaller companies are subsidiaries of larger companies and therefore will share in the ratings and the types of plans available.

At the same time, there are many well known private health insurance companies that operate in only one state. You can search through the list to find a company associated with your state. This is very beneficial because the staff would be knowledgeable about the intricacies of health care in your region and would be in a better position to help answer your specific questions.

There may even be health plans available for your individual situations. In some cases, if you are having difficulty finding a doctor or a hospital having a plan from one of these companies will help you in this regard.

The Big List of Health Insurance Companies

In the past health was not much of a political issue. People breathed fresh air tried to eat healthy fruits & vegetable that grew naturally with the use of organic fertilizers and used what medicines were available.

But today people usually use non-organic fertilizers and use those with chemicals on them. Also one of the contributing factor which affects people’s health is pollution, people barely breathe fresh air in the city. They have to go to the mountains or the country to breathe fresh air. Today people are becoming aware and concerned about their health, especially when there was a SARS and H1N1 virus outbreak in the country which reach the other country.

Health insurance may be very expensive yet it is also very important for it deals with you and your family’s health which could later lead to your death if it is not given medical attention. Having your whole family covered in a health plan will also give you peace of mind for you know that when one of your family members gets sick the insurance company will help you pay for the bills.

Health insurance is expensive because many of our medicines are also getting expensive. But if you are planning to get a health plan then you should first see what your budget is. You can find insurance plans that fit your budget and gives you the medical needs that suits you and your family.

Here is a list of some Health Insurance Companies that provide service in the United States. This is not an exhaustive list but should provide some idea of where to look for individual private coverage.

  • America Medical Security, Inc.
  • Oregon Health Insurance
  • Independent Blue Cross, Philadelphia
  • Community Health Plan of Washington
  • WPS Health Insurance
  • Southeastern Indiana Health Organization
  • ViaHealth Managed Care Services
  • Affinity Health Plan
  • Independent Health
  • CarePlus Health Plan
  • MedAmerican Insurance Company
  • American Family Mutual Insurance Company
  • UNICARE Insurance Company
  • Botsford Health Plan
  • American National Insurance Company
  • Vista Health Plan
  • Harvard Pilgrim Health Care
  • Oxford Health Plans, Inc.
  • UnitedHealth Group, Inc.
  • Sentara Healthcare

Listed above are only few of the many health care providers in our country. If you decided to buy a health insurance then make sure that the insurance company is approved by your state government.

This is so that you won’t be deceive by the fake companies, especially when you are planning to buy your coverage online. There are many good to be true health insurance that are offered online but don’t jump to it right away so that you won’t be one of the many victim who paid for that insurance that does not exists.

Make sure that if you purchase any insurance you purchase it from a reputable insurance company just to be safe.

Health Insurance Company

Health insurance is a form of insurance where the insurance company pays the medical costs of the insured person in cases the insured becomes sick due to covered causes of the insurance policy, or due to accidents.

To get the best health insurance policy, it is necessary to evaluate the health insurance company and its affiliate health care network. The first thing that has to be done is to get free quotes from different health insurance companies. This is easily available on the Internet, wherein you fill in some details to get your health insurance quote. Another thing that has to be taken into consideration is the health insurance company’s financial ratings. This gives us the financial strength of the health insurance company, and whether it is capable of clearing claims made to the company. The ratings can be found out though free resources like Moody’s, A.M. Best and Weiss and eHealthInsurance, which are all found on the Internet.

Next, check the employment and educational histories of the doctors associated with the health insurance company. Trusting the physicians and feeling content with the care you receive from the health insurance company is invaluable. Customer satisfaction is another criterion for choosing the right health insurance company. The health insurance company should respond quickly to your requests and questions. Information on patient satisfaction with a health insurance company is difficult to come by and may have to be paid for.

There are two types of health insurance companies: group health insurance companies and individual health insurance companies. The group health insurance companies handle health insurance for large groups of people, like the employees of a company. The individual health insurance companies handle health insurance for self-employed people and professionals.

Celtic Health Insurance Company of Arizona Review

Celtic Health Insurance Company of Arizona is one of the top health benefits provider in the AZ. The state of Arizona has many health insurance companies competing for customers within each of the counties. Although not many people have heard of this insurance company, Celtic continues to grow at a fast pace and people around the country are starting to be more and more familiar with it.

The company was founded in the year 1978 in the city of Chicago, Illinois. They started in the health care industry providing group and individual health plans along with life insurance. After realizing that they could not focus on those three types of insurance, they decided to stick with individual health insurance plans. Today they are one of the most prevalent health insurance companies for individual plans with over 900,000 members and is licensed in 49 out of the 50 U.S. states except for Hawaii. They provide coverage for individuals, children and families including plans that are comprehensive and affordable. Short-term plans and Health Savings Accounts compatible plans are also prominent within the Celtic Health Insurance Company.

All of their plans follow the Preferred Provider Organization (PPO) network of physicians and hospitals in which their members can receive services. They also have what is called a “Any Doc” PPO that gives you full insurance coverage with any health care provider. Although Celtic doesn’t have millions of members like some of the “top dogs” insurance companies, they strive for excellence and for great customer service to help their members. It is due to this achievements that Celtic Health Company was rated A- (Excellent) by A.M. Best. The rating is giving to companies that meet the obligations and needs of their members.

Perhaps the best thing about Celtic and the thing that attracts members the most is the ease the company provides for enrollment. You will only have to answer a questionnaire and you will be covered for pre-existing conditions if and only if certain guidelines are met. If you have a pre-existing condition contact Celtic Health for more information. For all others looking into Celtic the qualifications are everything but strict. To qualify for Celtic coverage the insurer must be between the ages of 6 months and 64 ½ years of age and cannot be covered under any other health insurance plan. The applicant must be a United States citizen or a foreign resident that has been living legally in the country for at least 2 years. The only qualification for dependents is that they should be 6 weeks old or older.

Within the state of Arizona Celtic Health Insurance offers five types of plans and within those plans there are subdivisions based on the amount of deductible a person wants in their coverage and the co-insurance and copays they want to pay when using the services. All six plans will be described in detail below with the different options in deductible, copays and co-insurance coverage.

CeltiCare II Select PPO Plan: This plan is a physician and hospital PPO plan for members between the ages of 6 months and 64 ½ years old. The calendar year deductibles for this plans are $500, $1000, $1500, $2500 and $5000, with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You have a maximum of six visits to the doctor per calendar year; each of them will be $15. If you happen to go for a seventh visit you will pay full price and that money will be discounted from your deductible. Laboratory fees and x-rays are paid 100% unless they go past $200, then you will have to pay full price subject to deductible. Prescription drugs are divided into three tiers, but before you get the actual prices you will be subject to a $500 deductible. After this deductible you will pay $20 for generic, $40 for brand name and $75 for specialty. You will have to pay $250 in addition to your yearly deductible if you go to the emergency room; however the fee is cancelled if you are admitted. Lastly, for inpatient care your hospital is covered up to 4 times in a calendar year. It is important to note that you have the choice to go out of network, but you will have a $1500 annual deductible.

CeltiCare II “Any Doc” PPO Plan: This plan is an any physician-hospital PPO for member between the ages of 6 months to 64 ½ years old. The annual plan deductibles for this plan include $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You will have six visits to the doctor per calendar year and each of them will be $35. In the case that you want to go for a seventh visit you will have to be subject to your deductible (pay full price). Labs and X-rays are the same as the previous plan and are paid 100% until you exceed 200. The prescription drugs are $20 generic, $40 brand name and $75 specialty and emergency room fees are $250 if you are not admitted. Inpatient care is covered up to 4 visits per year and if you go out of network you will have another $1500 deductible.

CeltiCare II Managed Indemnity Plan: This plan has no network requirements meaning that you can go anywhere you want and the cost for your services will be the same. The age requirements for this plan are the same as the other (between 6 months and 64 ½ years old). Deductibles for this plan are as follows: $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000. Outpatient and Preventive office visits will cost you full price and prescription coverage is divided into three with generic drugs being $20, Brand name medications $40 and specialty medications are $75. Inpatient care is covered up to 4 visits per year and the emergency room fee is $250 if you are not admitted to the hospital.

The three plans mentioned above allow you to add options according to the type of medical coverage that you need. Those options include a prescription option that allows you to pay no deductible for generic and only a $100 deductible for brand name and specialty medications, the CeltiCare II Plus Option that allows the person to add preventive care and supplemental accident to the policy; and finally a term life insurance option.

Celtic Basic Health Plan: This plan operates within the physical and hospital PPO network and is available for people between the ages of 6 months and 64 ½ years old. Deductibles offered are $1500, $2500 and $5000, but an additional $1500 in deductible will be added if you want to go out of network. You will have 2 doctor visits per year for the cost of $30 each and then you pay full price until meeting deductible. Labs and x-rays are also charged full price until you meet the deductible and you will also have to pay a fee of $250 every time you go to the emergency room if you are not admitted. For hospital care you will have to pay a $500 deductible per admission and you will have to pay $1000 deductible on prescription medications. It is also important to mention that the drugs are divided into the frequent three tiers and you will pay $25 for generic, a 35% co-insurance for brand name and 50% co-insurance for specialty. This plan also offers preventive care, rehabilitation services and home health care.

CelticSaver HSA Health Plan: These plan operates in two different networks, a managed indemnity and a PPO with the age of members between 18 and 64 ½ year of age. Deductibles for individuals under this plan are $1500, $2600 and $5000 with the family deductible being doubled. Non-preventive office visits are covered after the deductible is met as well as prescription medications. The emergency room fee is that of $250 if you are not admitted and the plan includes preventive eye care up to $50 dollars, psychiatric care up to $2500 per person and manipulative theory up to $500 per calendar year. Inpatient intensive hospital care is covered up to 4 visits per calendar year and the plan also included home health care for those people that need it.

As you can see Celtic specializes on individual plans and they have managed to put together some of the best plans for people within the state of Arizona. If you decide that Celtic Health Insurance is the right one for you, then you can call your local Celtic Sales Office or speak to a licensed Celtic Arizona health insurance agent.