Best Health Quotes

Blue Cross/Blue Shield of Illinois, Humana, Aetna, Assurant Health, Golden Rule

Here are the categories we use to rate our companies:

• Premium Cost
• Customer Service
• Size of Provider Network
• Claims Paying Ability
• Level of Benefits
• A. M. Best Ratings
• Annual Renewal Premiums

** Be advised that the paragraphs below do not represent our carriers in any form of rank order as far as what company is the best. All of our companies do a great job and we consider them to be equal in performance and value to our clients.

Humana- The Humana Insurance Company has been one of our favorite companies to use for quite a few years now. They always excel in offering excellent plans designs with some of the most competitive rates backed up by very good customer service. They have the fastest turnaround time in the underwriting department also. Many of times we will see an approval in less than 24 hours. Humana just had a 9% rate decrease in October of 2009. Humana is also the fastest at paying claims http://www.besthealthquotes.com/news.html.

Aetna- The Aetna Insurance Company is an excellent choice for a number of different reasons. They have a very large provider network, low renewal increases and best of all, their plans have no exclusion riders what so ever. If you are issued a policy through Aetna and you have any pre-existing conditions, they will all be covered.

Assurant Health- Assurant Health has been in business since 1892 and they have more than $25 billion in assets and 8 billion in annual revenue. They offer exclusive benefits to their policies such as the “One “Decreasing Deductible”, Suite Solutions and 3 year rate guarantees. They also offer exclusive plans for college students named the “Student Select” plans and they offer some of the very best lines of short term policies also. They give their applicants several provider networks to choose from so there are no problems not staying “in network”. Last but not least, they are more liberal in the underwriting department than most other companies.

UnitedHealthOne – The UnitedHealthOne Insurance Company is one of the United HealthCare companies and they have been around for many years offering a great line of plan designs and competitive premiums. UnitedHealthOne has been insuring Americans for more than 60 years. Their plans go by the trade name of UnitedHealthOne and their original name Golden Rule. In 1993, Golden Rule designed and sold the very first MSA type plan which is known today as the HSA Health Savings Accounts

Blue Cross/Blue Shield- Blue Cross/Blue Shield is one of the largest and most well known of all insurance companies. Most people have had them as their health insurance carrier from one time or another especially as a group health insurance company with their employer. Blue Cross offers a complete line of individual and group health insurance plans with a very large provider network of doctors and hospitals.