Even some of the best health insurance companies don't have all of the following five things. Be a careful buyer of health insurance and make sure that the company you choose gets a passing grade in all 5 of the following areas:
- Ability to pay claims (financial strength) Why does it make sense to rely on one of the "Big 3" health insurance companies, United Healthcare, Aetna, or Humana, if you want to be fully prepared? Don't there exist any other good companies?
- Prices that are fair [There is a lot of competition between the "Big 3," and many other companies might have trouble keeping up unless they give up ground on one or more of these other 4 things.
- Great Service to Customers [This should be obvious].
- Large, stable networks. [If you've never heard of them, it's possible that neither has your doctor.]
- All-inclusive policies [no annual caps or limits; no indemnity policies or health discount plans unless all other options have been used up; TIP: Look up Discount Health Plan Warning on any major search engine and take a look].
The answer is "Yes, there are many good health insurance companies with great people working for them." But in reality, almost everyone will find the best health insurance plan through one of the "Big 3" companies: United Healthcare, Aetna, or Humana. All three of the "Big 3" are very strong in all five of these areas.
Again, there are many other good companies out there, but a health insurance company that your family can depend on for many years must be strong in each of these 5 areas.
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