United States of America is also known for its joyful and amazing festivals like Thanksgiving. Thanksgiving is a great time to connect with loved ones, and to give yourself a good sweet gifts also. Its an invite for true cherish and for great abundance in our lives, and to be thankful to all the good things we have in our lives.
Get a Health Insurance on this Thanksgiving
Health Insurance is one of the best gift you can give to yourself this Thanksgiving, For those who don’t have any coverage for their health care expenses should have it on time. The affordable care act (ACA) marketplace allows you to sign up for a health insurance with lower monthly premiums and good customer satisfaction rate.
Here a list of best Health insurance companies in the US
Blue Cross Blue Shield is one of the largest health insurance compony of the US, it is well known for for its good and high customer satisfaction rate. Moreover, it has a federation of 36 independent companies offering affordable health insurance products to millions of American. The Blue Corss concept is originated form 1920s, which makes it one of the oldest and best insurance comapany of the US.
| Companies | Average Annual Premium | Average Deductible for a Silver Plan |
| Kaiser Permanente | $570 | $4,218 |
| Aetna | $594 | $7,231 |
| Oscar | $610 | $4,760 |
| Blue Cross Blue Shield | $665 | $4,618 |
How to choose the best health insurance
An affordable or cheap premium may be attractive, but you should also consider other factors while choosing a health insurance plan for you and your family, this thanksgiving is going to give you more than you expected, because there are a lot of discounts that companies are offering this week. Try to find a company with good yearly premiums, with 24×7 customer care service. Try to consider companies offering clinical coverages, even for non-affiliated clinics.
What are the types of Health Insurance Plans?
(PPO) Preferred Provider Organization: PPO plans provides flexibility in plans, but it comes with higher premium. A PPO allows you to get treatments from non-affiliated clinics.
(HMO) Health Maintenance Organization: HMO plans are usually cheaper than PPO plans, but the restrictions are low as compared to PPO. Referrals are mandatory to see the specialists, and it only pays in-network care.
(EPO) Exclusive Provider Organization: EPO plans are similar in terms of pricing to HMOs. They don’t offers reimbursement for out-of-network care, so you have to visit clinics within a specific area.
(POS) Point of Service: This plan covers both the qualities of HMO and PPO. It also might covers care centers out of its reach, just like an IPO you usually need a primary care provider who writes a referral for you, so that you can see specialist.
Health Insurance Metal Categories
Bronze: Pays 60% of health care costs after deductibles.
Silver: Pays 70% of health care costs
Gold: Pays 80% of health care bills while you pay the rest 20%
Platinum: 90% of health care bill is paid by the insurance company and rest 10% is paid by you.
Conclusion
Give a yourself a gift of health insurance on this Thanksgiving, all the companies are offering something better than the other, while providing special thanksgiving discounts to all the customers.
Also Read:
