What are the differences between health insurance carriers?

February 15, 2016

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Lauren
Lead Copywriter

 

 

This is a tough question. There are several carriers in America and the services and plans they offer vary from state to state.

So, in an attempt at keeping this blog post concise, we’re going to focus on the health insurance carriers we offer, which are several of the big players.

Aetna: Aetna offers Teladoc, 24/7 access to a doctor, free of charge. Aetna also doesn’t require you to designate a primary care physician upon applying for a plan. This means you don’t have to get a referral from your PCP in order to see a specialist. Aetna is only offering EPO plans in 2016 (this could change next year).

Fact: Aetna was founded in 1853. Happy 163rd birthday, Aetna!

UnitedHealthCare: UnitedHealthCare has the largest network of doctors. A plan with UHC requires that you designate a primary care physician upon applying, and you need a referral from your PCP to see a specialist. UHC is only offering EPO plans in 2016 (this could change next year).

Fact: UHC is the largest health insurance carrier in the U.S.

Blue Cross Blue Shield: Blue Cross Blue Shield is only offering HMO plans for 2016 (this could change next year). With an HMO plan, you will need to designate a primary care physician and get a referral from you PCP to see a specialist.

Fact: One in three Americans use Blue Cross Blue Shield. 

Humana: Humana primarily offers HMO plans for the year of 2016. They also have one Bronze PPO plan. With an HMO plan, you will need to designate a primary care physician and get a referral from you PCP to see a specialist.

Fact: Humana began as a nursing home company

Scott and White: Scott and White has both HMO and PPO plans available in 2016, however, their network is localized to Central Texas.

Fact: Scott & White is available in 77 counties across Texas

If you need help understanding the different health insurance carriers, give us a ring. We can help.