Health insurance is a way to pay for health care. It helps to protect you from paying the entire fees for hospital services if you are injured or ill.
Just like auto insurance, car insurance or home insurance you can select one of the plans and consent to pay a particular rate or high-quality plan each month. In return for this your health insurance provider is agreed to pay your future medical costs.
When your treatment will be done by a private medical, health insurance agency will pay the full or a portion of your medical bills. Thus you will keep yourself always free of tension for your future treatment.
The total medical cost will be definitely lower than regular fees. Because health insurance companies bargain with hospitals and doctors.
And hospitals and doctors are also friendly and helpful to those companies. Thus both health insurer and hospitals make a win-win situation
Your insurer will take you quickly to a hospital which is convenient for you. Diagnosis and treatment will be started shortly because their management is pre-arranged.
The higher satisfaction of the customer of any health insurance company definitely will ensure the fame of those company.
Health insurance is the insurance in which the insurance company will compensate or pay for the expense of health reason due to illness or accidental injury. It is synonymously said illness insurance or medical insurance.
Types of Health Insurance
All over the world, it is now wanted and risk-free. People are getting involved in it. Health insurance is based on the body of insurance holder as the subject for insurance and is contracted as if the insurance holder has an event of illness or accidental injury and thereby the medical expenses or losses of property are compensated on paid insurance.
In other word, health insurance is generally may be called as hospitalization insurance.
It is commonly said “Health is wealth” Health will be a wealth when it is sound and safe. In every walk of life, we are at risk of having a hazard to health which can cause disease or injury. No one can tell whether he/she is safe completely.
So, I think everyone should have a health insurance plan. You know what! Healthcare facilities nowadays become very expensive. Accidental or sudden serious health problems can cause a watchful amount of loss.
Govt. hospitals are less expensive but private medical and hospitals are too much. There is difficulty in getting affordable health care in private medicals and hospitals to general people.
Health insurance companies provide a better insurance policy for this victim. Several companies have family health insurance.
Some best private health insurance US-based companies are seen who are providing services for many years. Employers and other organizations mostly offer private health insurance. Some organization provides only one kind of plan.
There are many companies who have more than one health insurance plan. Their customer can choose the best plan from the available option.
These companies are more popular with their customers because the customer can choose the plan which is bearable and easy to continue for them.
If you buy health insurance by yourself without taking the plan by an employer, generally costs more. Because you have to pay for the plan by yourself and you will not share the cost with an employer.
Best Health Insurance Providers
Being a large company does not prove that they are the best in their services. Many small companies can provide you the best service than the large one. To choose a health insurer depends on which region you live in and of what you can have access.
For example – if you live in New York, an insurer from New Jersey may not come fast to help you. So, it is wise to buy insurance from the region you are available in.
The best insurance providers in the USA that I have found from my research are –
- Aetna Group
- Highmark Group
- Humana Group
- HIP Insurance Group
- Health Net of California, Inc
- HCSC Group
- UnitedHealth Group
- Blue Cross Blue Shield of New Jersey Group
- Wellpoint Inc. Group
- Cigna Health Group
Here I have made a shortlist of the 10 best health insurance providers. Besides these companies, you may find many more companies who are also better at their services. It is my personal recommendation that these 10 insurers are really good at their side.