We all want the best healthcare possible, but as basic as it sounds, making sure you have coverage is a lot more complicated.
When there’s a mix-up with your insurance company and they make an egregious error—say, for example, they say you don’t have coverage at all when you actually do—it can be really difficult to get a straight answer from them about what went wrong and how to fix it.
As if this wasn’t bad enough already, having an incorrect address on your insurance card will also cause issues with payments that the company sends out.
Insurance company sends bills to the address on your card. If they can’t find you at this address, you’ll essentially get double the headaches.
Some people think that covering up their name on their insurance card will help make it harder for someone to steal their identity, but this is not the case.
If you don’t want them seeing your name on these documents, then use a blank card instead—or even better, get a copy of your card that has no identifying information on it at all.
Insurance cards are generally one of two types: paper or plastic (resembling a credit card).
The paper version is generally used when you buy insurance through a website, and the plastic version is used when you buy it from a company or agent.
These cards both work the same way: they have a barcode on them, which can be scanned by a machine to verify your identity.
If you get the plastic card, there are two things you should do to make sure it works correctly. The first is to make sure it’s in order with all of your other paperwork.
Fill everything out in your health care records so that they can verify everything about you when they send out your bill for payment or administrative services.
Here Advantage Biz Marketing is the list of some of the best healthcare insurance companies :
Click for Aetna’s page on ConsumerAffairs
This one is not your typical health insurance company, but it is an excellent choice. Aetna is one of the biggest names in the business, having expanded significantly since 1985.
The company has its headquarters in Hartford, Connecticut and works with many other states where it also holds multiple offices.
This fact has led some to criticize Aetna’s business practices, but despite these accusations of poor customer service, Aetna still ranks high in customer satisfaction.
As of this writing, a national average of a very low 4.9/5 stars on a scale of five-stars from customers who had used the company in the past year. It also has a very low amount of complaints on ConsumerAffairs.
2. Blue Cross and Blue Shield of Georgia
Click for BCS Georgia’s page on ConsumerAffairs
If you’re wondering if health insurance is all it’s cracked up to be, Blue Cross and Blue Shield of Georgia is a great place to start.
The company has been around since 1911, and it has a solid reputation for supporting people who need medical care. It also provides a wide variety of services, covering not only medical expenses but also prescription drugs.
The problem with this company is that its structure has recently changed from a nonprofit group to a for-profit one, which brings with it some controversy behind the scenes.
3. Blue Cross and Blue Shield of Indiana
Click for the BCS of Indiana’s page on ConsumerAffairs
A national company, Blue Cross and Blue Shield of Indiana is active in some thirty-seven states where it offers health insurance plans for those who don’t qualify for government programs.
It also offers a large variety of products including Medicare supplement insurance, individual and group life insurance plans as well as dental coverage for children and adults.
While its customer satisfaction rating has been very high on ConsumerAffairs over the years, there have been some complaints about the company’s customer service processes and slow response times which can delay payments to customers.
4. Blue Shield of California
Click for BSC’s page on ConsumerAffairs
Blue Shield of California is one of the biggest insurance companies in the country, with branch offices spread across twenty-four states.
It offers some great options like some specialty plans like some great family health care plans and medical transportation services.
Unfortunately, it has received some complaints about taking too long to reimburse customers after paying out benefits; but the company claims that over 90 percent of all payments are made within thirty to ninety days after they receive bills from doctors or other healthcare providers.