Health insurance is an insurance which covers the cost incurred on the medical and surgical expenses of an insured person. There are two ways of utilizing an insurance coverage – in first case, the insurance company makes the payment directly to the provider or the person insured bears the cost incurred on his medical or surgical expenses and then has it reimbursed from the insurance company by producing the original bills.
A provider is a doctor, hospital, clinic, practitioner, laboratory, health care or a pharmacy in the language of health insurance.
United States of America has a policy of universal health care coverage which means that the employee provides all his employees with a health insurance. It is one of the perks of employment. The Obama Administration has mandated that every citizen of US has insurance with the exemption of some people such as disabled, veterans, elderly and a few others.
There are several insurance companies that boast to offer good service but there are few that keep their word. For those staying in California, health insurance companies are many but there are some that give good service. Here is a list of some of the best ones for 2017.
Best Health Insurance Providers in California 2017
Anthem Blue Cross
The health insurance company has been around for about seventy years and covers millions of Californians, which happens to be more than any other insurance company in the state. They offer both health and financial security. Anthem Blue Cross products comprise of insurance deals for a single person and small or big groups. They offer easy online services and are a reliable company to have your health insurance done from.
Blue Shield of California
This is yet another one of the best California health insurance companies 2017 which have been around for over seven decades. Since its inception in 1939, Blue Shield has offered different types of health insurance to the Californians. It happens to be the first health insurance company of the nation that provided coverage for pre-existing illnesses in group health programs. They were also the first to offer online enrollment information and benefits and upholding their reputation of being the first always Blue Shield also became the first health insurance company to offer state-wide universal coverage.
Kaiser Permanente of CA
Kaiser Permanente comprises of Kaiser Foundation Hospitals which is non-profit, Kaiser Foundation Health Plans is also non-profit and Permanente Medical Groups which is for profit.
Kaiser Permanente specializes in developing a personalized health insurance plan after discussing with one’s physician, so they can provide you with the best possible coverage. They boast of having an integrated model of health care delivery so they can offer as well as organize the complete range of care for their members which include – immunizations, preventive care, pharmacy services, screening diagnostics, well-baby and prenatal care, hospital and medical services and emergency care. They are a complete health system from pharmacists to doctors you have everything that Kaiser Permanente provides you.
Western Health Advantage
Western Health Advantage is increasingly becoming one of the leading health insurance companies in California for 2017. The company is known to provide reasonable and receptive health coverage packages to its members. They provide local services in California only, which is why they are also known to provide quality services. They handle claims efficiently and offer hassle-free services. They try to better their quality of service everyday and develop new plans and solutions for everyone residing California.
Oscar Health Plan in California
Oscar Health Plan is quite new among the 2017 California health insurance companies but is a high-technology based company that will have your medical history in a tailored timeline, so it can assist you in finding the best doctors in your area. They have excellent plans that give you complete health coverage at affordable prices. They also offer medical and customer care services over the phone. You can speak to a doctor who has been certified by the board and take medical guidance. Oscar is a great company to buy your health coverage from.
Having a health coverage will not only get you the treatment when required by you on time but will also save your money. The above lists of companies are great options to buy health coverage’s for you and your entire family or your employees.