Category: Health Insurance

Today, we begin with these questions. what do know about Health insurance in Hawaii? or When you say, you have your life all sorted out and everything in place, do you include your health and health-related unforeseen circumstances? Before you give your honest answer, let us talk about a few things.

Oftentimes, we see people put aside money for a new car, vacation, a new house, or for whatever item that catches their fancy.

Yet, the majority of these populations do not remember to put aside money for their health for just-in-case purposes.

Again, in developed places like Hawaii, where they have good health insurance companies, you also get to see people who consciously or unconsciously skip the health part.

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Overview of health insurance in Hawaii

You see, health care insurance is a fine big sentence for having a company cater for your medical needs.

Apparently, these needs might come in form of illness, ambulance service, doctor’s visits, hospitalizations, or during health emergencies like accidents. So, these company helps you put little money aside for these events.

However, in Hawaii, there are health care insurance companies that will serve you better than others. You only have to search them out and let them serve you.

Therefore, finding that befitting health insurance in Hawaii can do you and your family a world of good. So that in times of health issues or health emergencies, you do not have to go penniless.

We have put together some real-life findings for you, as regards health insurance in Hawaii. So, if you want to relocate to Hawaii or reside there already, you can begin to work towards the goal of getting your health insured.

In Hawaii, you can find private health insurance plans or health insurance plans for small businesses and groups.

Though there are no specific laws that bound you to have health insurance coverage in Hawaii, however, it is only good to do the right thing at the right time.

Besides that, the government of Hawaii has always promoted health insurance with the Hawaiian Prepaid Health Care Act. Most times, employers are required to offer their employees’ group health insurance.

Interestingly, health insurance in Hawaii has been so diversified that you can get your health insured in different ways.

Either as an employee, the government-sponsored way, private health insurance companies, or through the federal exchange.

Early this year, there was a slight increase in the health plan in Hawaii, nevertheless, Hawaii Medical Service Association still offers one of the lowest and most affordable health insurance plans. It is only important that you choose the health plan tier that suits your need.

However, before you finally make your choice on health insurance in Hawaii, the two things you should thoroughly consider are your age and the metal tier.

As you get older, your monthly premium increases, whether you have any health issues or not. When your plan tier goes higher, your coverage increases.

For example, a healthy twenty-one-year-old would pay the sum of $245 per month if he was using the Bronze tier plan.

While on the other hand, a forty-year-old on the same plan pays $68 more for the same coverage. This only shows that, the higher your age, the increase in your monthly health plan coverage. Below is a breakdown of the average monthly cost of health insurance in Hawaii.

Cost of health insurance in Hawaii

Tier Age21 Age40 Age60

Catastrophic: $154 $197 $418

Bronze: $245 $313 $664

Expanded Bronze: $281 $359 $763

Silver: $348 $490 $1,042

Gold: $376 $480 $1,020

Platinum: $436 $558 $1,184

For better understanding, “metal tier level” means the category of health plans in the health care coverage. It is always talked about in metals. Bronze, silver, gold, and platinum.

So, if you are looking for the best plan to go for as an elderly person, it is advisable to go for the platinum plan.

This is because platinum covers 90% of your health. In contrast, the catastrophe coverage which is the minimum level does not have any extra benefit except three primary care visits in a year.

Health insurance companies in Hawaii

There are health insurance companies in Hawaii that have the best and most affordable plans. These companies, though in Hawaii, provides health care plan for millions of individuals all over the world.

Therefore, it is safe to say that health insurance companies in Hawaii can be trusted enough to help insure your health and that of your loved ones.

1. Kaiser Permanente

If you belong to the category of people that loves going extra on things they do, then you’ve met your match in this company.

Kaiser Permanente is one of the largest and very highly rated health insurance companies in Hawaii.

This company has a network of over six hundred doctors and specialists across Hawaii. For a good ten years, the company has received massive rankings from the National Committee for Quality Assurance.

Not only that, its network of specialists and doctors has won for themselves the Women’s Choice Award for obstetric and cancer care in 2018. Kaiser offers different health coverage plans for their clients across Hawaii.

2. UnitedHealthcare

This is another giant in the health insurance industry in Hawaii. Though their plans are mostly short-term, they provide top-notch health care coverage which includes dental and vision plans. UnitedHealthcare is equally linked with the Medicare supplemental plan and offers everything approved by the ACA.

3. Hawaii Medical Service Association

The Hawaii Medical Service Association (HMSA) can proudly stand up as one of the best health care insurance providers in Hawaii.

Their services speak for them as one that provides one of the best health insurance plans in Hawaii. When it comes to pricing, the Hawaii Medical Service Association offers very affordable plans better than most health insurance companies in Hawaii. Unlike most health insurance companies, HMSA offers vision coverage plans.

4. Ameritas

Ameritas is affordable and reliable. Also, they know how to do their job when it comes to health insurance.

Ameritas also provides dental and vision coverage plans at a very low cost. So, if you want if affordable yet quality, with dental and vision plans in Hawaii, Ameritas should be your go-to.

Cost of health insurance for families

Obviously, a family of three will not spend an equal amount on health insurance in Hawaii. The size and age of your family members will greatly affect the cost of your monthly health insurance plans.

Take, for example, children below the age of 15 need the minimum amount of money to maintain their health when insured. This is not so for a family of four adults.

This table is based on silver health plan in Hawaii.

Health insurance marketplace in Hawaii

Most adult Hawaiians get their insurance from their employers and others that are not covered by their jobs or family plans get their health coverage through the marketplace in Hawaii.

Formerly, Hawaiians enrolled in the government health insurance through HealthCare.gov but that was changed in 2016. From then, the health insurance marketplace was taken over by the federal government.

Health insurance requirements for employers in Hawaii

In Hawaii, employers are required to provide health insurance coverage to all their employees. That is if they’re not already covered before their employment.

It does not matter if they work part-time or full-time, temporary or permanent. As an employer, you are bound by the law to do the needful by your employees.

Children’s health insurance program in Hawaii

Children are quite expensive to take care of and they are solely dependent on their parents for everything.

Thank goodness, the Hawaiian government set up a Children’s health insurance program (CHIP) in Hawaii that provides health coverage for children and most times, pregnant women.

The families of the children qualified for CHIP must meet certain health care insurance requirements.

This program provides very high coverage which covers the children for almost all the medical care services. Furthermore, that health care insurance for children includes services like immunizations, dental care, routine medical checkups.

Moving on, Parents are advised to enroll all their children in Hawaii Children’s insurance program to save them the expensive cost of taking care of their medical needs.

Hawaii Quest

Hawaii has another kind of health assistance program which is called the Hawaii Quest and Medicaid Fee-For-Service.

This medical assistance is for low-income earners that reside in Hawaii. The Medicaid Fee-For-Service covers the dental plan of the insured while the Quest provides coverage for the medical and mental health of the insured.

Pregnant women get quick attention and are easily eligible for health insurance coverage once it is certified that she is truly pregnant.

The Med-Quest is financed through the state of Hawaii and the federal Centres for Medicaid and Medicare services.

Now, to be eligible for the Quest program:

1. You must live in Hawaii
2. Must be uninsured
3. Be 18 or below this age
4. You must be a U.S citizen or legally admitted into the U.S

Benefits of health insurance

In case you still need a little more push to get yourself good health insurance in Hawaii, here you have it. Let’s talk about the benefits.

1. Coverage against critical illness

Most times, these illnesses do not come knocking to give you a heads up first. These insurance companies provide you with a plan that helps you treat critical illnesses like stroke, loss of limb, heart failure without going broke.

With them, you will receive an amount of money that will cover your hospital expenses while you concentrate on getting better.

2. Medical expense covered

Some people make hospital trips lots of times in a month and round the year. Another set of people needs their prescribed drugs in constant supply.

Yet, some other people need to be in constant communication with either their doctors, nurses, or assigned health caregivers.

Whichever it is for you, your insurance covers all these medical expenses even to your dental health. Luckily, you do not have to worry about where the funds for your next health care will come from.

3. Cashless claim benefit

Your health care company most times, work with hospitals. So, to benefit from this, you have to fill out a form and register in such hospitals.

When the need arises, you only get to bring out your insurance health card and instantly get the quality health care you need.

4. Tax benefits

Health insurance companies provide tax benefits for your plan. With your health care plan, you become eligible for tax deductions.

5. Protection over employee cover

The majority of employers have a group health insurance plan for their employees. However, those covers do not have a personal touch to them.

Therefore, this is the more reason why you should get your own health insurance and tailor it down to your specific medical needs.

Conclusion

Finally, Hawaii has its fun and beauties, both the locals and the foreigners take advantage of its wonderful nature. On the other hand, the health maintenance part is shifted to the corner without a single thought to it.

A wise decision requires putting your health and your family’s well-being first, before the fun part. When you settle your health by enrolling in an insurance plan.

You can go ahead and sleep with both eyes closed and also enjoy life’s beauties on a clearer head with no health worries.

It is important to mention that low Income should not be the barrier to your excellent health care in time of need. Also, being out of a job is still not an excuse.

When you ask the proper questions, and meet the right people, you can get health care insurance coverage that can serve you well.

Remember, everyone deserves good health care, regardless of age or gender. What is that your answer to the question we asked earlier in this article?

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The Health insurance companies in Los Angeles alongside other essential things you need to know about Los Angeles health insurance are unveiled.

In the past, many Californians chose not to get health insurance. However, failing to obtain health insurance can result in complications.

You can now be punished if you do not have health coverage that fulfills the minimum essential standards, in addition to the fear of encountering a serious health crisis without the resources to pay for it.

Fortunately, there are several health insurance companies in Los Angeles that can assist you in finding affordable health coverage.

What exactly is health insurance?

Health insurance is a contract in which an insurer agrees to pay some or all of a person’s medical expenses in exchange for a premium.

More specifically, health insurance often covers the insured’s medical, surgical, prescription drug, and occasionally dental expenses.

Health insurance can either repay the insured for medical expenses incurred as a result of illness or accident, or it can pay the care provider directly.

It is frequently included in employer benefit packages to entice quality employees, with premiums partially funded by the employer but frequently withheld from employee paychecks.

With limited exclusions for S company employees, the cost of health insurance premiums is deductible to the payer, and the benefits received are tax-free.

Health insurance companies in Los Angeles

Below are the outstanding health insurance companies in Los Angeles;

1. Brystra Insurance Services

Brystra Insurance Services is a Los Angeles-based insurance brokerage. Their team focuses in employee benefits and human resources.

It entirely digitally enrolls its clients and supports a paperless atmosphere. It is one of the most reputable health insurance companies in Los Angeles.

2. Ez Center Insurance Services

For more than three decades, EZ Center Insurance Services has been serving consumers in and around Los Angeles as a locally owned and independent insurance firm.

It helps clients obtain health insurance policies, including dental and vision coverage, as well as key person insurance policies.

Personal insurance options include auto, valuable item, condominium, earthquake, flood, and umbrella insurance.

It provides investment property, medical malpractice, special event, and general liability insurance solutions to businesses. It is one of the best Health insurance companies in Los Angeles.

3. Harmony Health Insurance Services

Harmony Health Insurance Services serves the citizens of Los Angeles and the surrounding areas’ health insurance needs.

Susan Fujimoto, the company’s owner and primary insurance agent, has over 20 years of expertise in the sector.

The company assists people and families in obtaining insurance policies that meet their personal needs, backed by their knowledge and competence.

They also assist people in obtaining dental insurance, healthcare sharing ministry plans, and Medicare supplement insurance. It is one of the more reputable Health insurance companies in Los Angeles.

4. Health Insurance Brokers LLC

Health Insurance Brokers LLC, founded in 2004, is a collection of independent health insurance brokers based in Los Angeles.

It provides healthcare solutions that are both ACA and non-ACA compliant, such as short-term coverage plans, indemnity plans, association-sponsored health plans, and healthcare sharing ministry plans.

Also, it also offers Medicare Supplement plans and Medicare Advantage plans. It also provides services for group health insurance.

LifeSecure Insurance Company, ManhattanLife Insurance Company, and National General Insurance are just a few of the insurance firms that Health Insurance Brokers represent.

5. Kamkar Insurance

Kamkar Insurance is a full-service insurance agency that serves Los Angeles residents and companies.

It provides a wide range of personal and business insurance products to its customers, including health, life, auto, liability, workers’ compensation, and homeowners’ insurance.

The firm works with insurance firms such as AIG, Safeco Insurance, Progressive, Travelers, and MetLife to locate the coverage that best meets the needs of its clients.

Since 1988, Kamkar Insurance has been serving the community. It is one of the best Health insurance companies in Los Angeles.

6. Roxbury Insurance Services

Roxbury Insurance Services, founded in 2007, is a Los Angeles-based independent insurance agency that provides health insurance.

It offers Medicare Supplement, Medicare Advantage, Medigap, Medicare Prescription, and Medicare Rx Part D insurance.

In addition, it provides group health insurance. Roxbury Insurance also offers life insurance, auto insurance, homeowners insurance, rental property insurance, business insurance, and flood insurance.

Roxbury Insurance is a member of the Western Insurance Agents Association and Professional Insurance Agents Western Alliance. It is one of the more reputable Health insurance companies in Los Angeles.

7. Solid Health Insurance Services

Solid Health Insurance Services, one of the more reputable Health insurance companies in Los Angeles is a health insurance service in Los Angeles that serves consumers throughout the city.

It provides individual and group health insurance, as well as dental and vision care and hospital indemnities.

Barbara Kempen, the company’s owner, and her team work with each client to customize their coverage needs. Barbara, who has over 25 years of business management expertise, also advises her clients on their business insurance needs.

Other services offered by the company include travel, disability, and long-term care insurance.

8. Health Net

Health Net, based in Los Angeles, was started in 1977 and presently serves 5.9 million people throughout all 50 states.

They provide HMO, HCSP, EPO, and PPO plans and are available in the majority of California counties.

9. L.A. Care Health Plan

L.A. Care, as a non-profit health plan, believes in offering high-quality health care at a reasonable cost. With 1.6 million members, they are the nation’s largest publicly operated health plan. L.A. Care provides HMO plans.

How does Health Insurance Work

Health insurance might be difficult to understand. For the highest level of coverage, managed care insurance plans require policyholders to seek care from a network of certified healthcare providers. Patients must pay a higher percentage of the cost if they seek care outside of the network. In rare situations, the insurance company may even refuse to pay for services obtained outside of the network.

Many managed care plans, such as health maintenance organizations (HMOs) and point-of-service plans (POS), require patients to select a primary care physician who oversees the patient’s care, makes treatment recommendations, and refers patients to medical specialists.

In contrast, preferred provider organizations (PPOs) do not require referrals but do have lower rates for using in-network practitioners and services.

Insurance companies may also refuse coverage for services provided without prior authorization. Furthermore, insurers may refuse to pay for name-brand pharmaceuticals if a generic version or comparable prescription is available for a cheaper cost.

All of these criteria should be specified in the insurance company’s documentation and thoroughly evaluated. Before spending a large expense, it’s a good idea to verify with your employer or the company directly.

Copays, which are set fees that plan subscribers must pay for services such as doctor visits and prescription drugs; deductibles, which must be met before medical insurance will cover or pay for a claim; and coinsurance, a percentage of healthcare costs that the insured must pay even after they’ve met their deductible (and before they reach their out-of-pocket maximum for a given period), are becoming more common in medical insurance plans.

Insurance policies with greater deductibles typically have lower monthly premiums than plans with lower deductibles.

Individuals must consider the benefits of decreased monthly payments against the potential danger of big out-of-pocket spending in the event of a serious illness or accident when looking for coverage.

Benefits of medical insurance companies

You can get medical insurance policies for each family member based on their personal needs. The following are the primary advantages of having medical insurance:

Financial security

Within a certain extent, you are financially protected against the costs of treating a wide range of ailments.

The cashless claim procedure

If you are hospitalized to a network hospital, your insurer will settle the cost directly with the hospital, with no payment required from you.

Types of health insurance

There are two main types of health insurance: private and public, or government-provided. There are a couple more particular types as well. Each of these will be examined in greater depth in the sections that follow.

Private medical insurance

According to the Centers for Disease Control and Prevention (CDC), the United States’ healthcare system is highly reliant on private health insurance. According to the National Health Interview Survey, 63.7 percent of adults under the age of 65 in the United States have some form of private health insurance coverage.

Public medical insurance

In exchange for a premium, the state subsidizes healthcare under this type of insurance.

In the United States, examples of public health insurance include Medicare, Medicaid, the Veterans Health Administration, and the Indian Health Service.

Other kinds of medical insurance

Some individuals describe an insurer based on how it runs its programs and interacts with providers. Here are some samples of the various types of plans that are accessible.

Plans for managed care

The insurer will have contracts with a network of providers to provide lower-cost medical treatment to its policyholders under this type of plan. Out-of-network hospitals and clinics will face penalties and increased expenses, although they will still provide some treatment.

The more expensive the coverage, the more likely it is to be flexible with the hospital network.

Plans based on indemnity or fee-for-service

A Fee-for-Service plan pays for treatment equally across all providers, allowing the insured to choose their preferred location of care. On an indemnity plan, the insurer will normally pay 80 percent of the costs, with the individual paying the remaining costs as coinsurance.

Plans for a Health Maintenance Organization

These are organizations that give direct medical care to the insured. A dedicated primary care physician will normally be assigned to the policy to coordinate all essential care.

Health Maintenance Organization (HMO) plans typically only cover services referred by a primary care physician and have negotiated prices for each medical service to reduce costs. This is typically the least expensive sort of package.

Plans for Preferred Provider Organizations

A Preferred Provider Organization (PPO) plan, like an indemnity plan, lets the insured to see any doctor they want. In addition, the PPO plan has a network of recognized providers with whom it has negotiated rates.

Treatment from out-of-network providers will be reimbursed at a lower rate by the insurance. People with a PPO plan, on the other hand, can self-refer to specialists without visiting a primary care physician.

Plans for Point-of-Service

A Point-of-Service plan combines the benefits of an HMO with a PPO plan. The insured has the option of organizing all treatment through a primary care physician, receiving treatment through the insurer’s provider network, or using non-network doctors. The therapy progress will be determined by the type of plan they have.

Medical Expenses Coverage

You never know when a chronic illness problem will strike you or a loved one. If you have a family floater or individual health policy, your insurer will take care of the medical expenditures, allowing you to focus on the treatment process. The following are the advantages of having health insurance:

The option of going cashless or reimbursing expenditures

If you choose adequate coverage, you won’t have to spend anything out of pocket if you use cashless treatment facilities.

Take the patient to any of the network hospitals that your insurer has a relationship with, and notify the TPA (third-party administration) and the insurer as soon as possible.

The insurer would directly settle the bill with the hospital. Alternatively, you can seek treatment at any hospital or healthcare provider of your choosing and make a reimbursement claim with the insurer by producing original bills and appropriate paperwork.

Aside from hospitalization costs, there are other advantages.

Ambulance services up to a specific sum are also provided by insurers, as is coverage for online or e-consultations, expenses for harvesting a major organ from a donor, lifelong renewability choices, free preventative health check-ups, and other services.

Treatment options

Some insurance pay the costs of alternative treatments such as AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) and Naturopathy.

Other services include cashless daycare treatments, home treatment under doctor’s orders, and pre and post-hospitalization charges up to a specified limit.

Alternative treatments and maternity benefits

Several insurers include maternity costs in their health insurance policies. This is especially advantageous for young couples who are planning or expecting a child.

Conclusion

Health insurance contributes to the cost of an insured person’s medical and surgical bills. There are several types of plans, and they differ in terms of what they cover and how a person can obtain therapy.

An individual in the United States is currently required to have some type of health insurance coverage. Anyone who does not have insurance may be fined.

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Here are top Health insurance companies in Florida everyone ought to know. When it comes to health and its maintenance, every other aspect of our lives as humans takes a seat and pays attention.

Daily, we deal with issues that in one way or the other, affect our health directly or indirectly but most times, we do not stop to find out until it takes its toll on our health.

However, it is a known fact that health-related issues and health maintenance can be quite expensive and pocket-cleaning, especially in places like Florida.

It is for this reason that people seek out health insurance companies to help ease the expensive process of health maintenance.

Whether you are coming across a topic like this for the first time or you have an idea but do not know how health insurance operates, kindly stay reading and find out all you have to know about health insurance companies in Florida and how they operate.

Generally, health insurance is a type of medical coverage that takes care of your medical expenses when you are sick.

It is an easy way to pay for your medications, doctor’s consultation fees, or the case of ambulance charges and hospitalization.

In line with this, everyone should have their health insured because, everyone, no matter the age and health status, is entitled to quality and excellent medical care.

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Health insurance companies in Florida

In Florida, it is very possible to spend almost your income on healthcare more than in other states in the United States of America.

And this is according to a verified report. So, this shows that a non-health-insured individual could go very broke if illness decides to come knocking.

Types of healthcare insurance plans in Florida

Furthermore, Florida is among the leading states with a high number of residents and therefore are required by the FEDERAL AFFORDABLE CARE ACT (ACA) to have their health insured.

Again, there are types of healthcare insurance plan options available for Floridians. These includes:

• Short term health insurance plan:

This is a temporary medical insurance plan which covers your health insurance temporarily until you get another that is suitable and longer. The short-term health insurance company may provide budget-friendly monthly payments.

• TriTerm medical insurance:

TriTerm medical insurance is another short-term health insurance that covers preventive care, doctor office visits, and also prescriptions. After 12months on this plan, the expenses of any eligible preexisting illness will be covered.

• Hospital and Doctor insurance plan:

This offers the kind of coverage that pays cash for eligible medical services like surgical procedures, doctor’s visits, and any emergency medical care. There are no deductibles or co-pays to pay first.

• Accident and critical illness insurance plan:

The insurance gets you covered at the time of unforeseen circumstances like accidents and critical illness.

Instead of wiping off your funds, it saves you the financial headache by paying cash to cover the illness or injuries sustained from the accident. Preexisting conditions may be covered with this plan.

• Florida dental and vision plan:

Covers the dental and visual needs of the people involved. It has no age limitations.

Best health insurance in Florida

For your peace of mind and well-being, it is very wise to always opt for the best healthcare available for yourself and your loved ones.

For you to achieve this feat, the right thing to do is to look around for the best health insurance in Florida and get your health insured.

Here, we have compiled a comprehensive list of the best health insurance companies in Florida. These companies rank high in the state for their excellent services in the health insurance industry. Therefore, this list will help you make an informed decision about your health insurance plan. In no order of preference, they include:

• Aetna Health Insurance Company

Aetna has proved over time to be qualified to stand side by side with other great health insurance companies in Florida.

The company is licensed with the Florida Department of Insurance that offers its clients protection if at any time the company is not able to pay a claim.

Aetna has a wide variety of health insurance packages which includes big and small businesses, individual and public health coverage.

• Avalon Healthcare Company

Avalon healthcare company is another insurance company that strives for excellence. They give you the option of a 24 hours call-in nurse for your medical concerns. Not only that, they make it easier for their clients to choose for either:

Health savings account plan that offers you coverage of the medical expenses with a yearly calendar with pre-tax dollars.

1. Co-pay plan which gives you the most coverage plan available
2. A high deductible plan has the highest deductible pay

• Blue Cross and Blue Shield of Florida (BCBSFL)

This healthcare company is a well-known brand in the state of Florida. Their services cuts across the globe with at least a hundred million people using their healthcare plan.

Blue Cross and Blue Shield have a supplement insurance plan for older people from sixty-five years and above who reside in Florida.

Aside from that, they are licensed with the Florida Department of Insurance. Also, they provide group, individual, and reduced health insurance plans.

• UnitedHealthcare

Founded in 1977, it is among the biggest health insurance provider in the United States. The company is known for its approach to technology for the proper output of its services. UnitedHealthcare also has facilities for virtual mental health services which is among the biggest in the country.

Their healthcare plan prices are different in each state, and dependent on your health habit (smoker or none smoker), age, family size, and also according to the plan type you selected.

UnitedHealthcare offers other services ranging from health insurance, Medicaid, short-term insurance, Medicare, supplement coverage, dental, and vision. UnitedHealthcare is a subsidiary of UnitedHealthcare Group.

• Cigna

Cigna has over the years built a solid reputation for itself as a health care insurance company. Dated back to 1792, this company has earned high ratings with AM Best and rankings from NCQA for its quality services.

Cigna offers health coverage to about one hundred and eighty million customers in thirty countries. It works with over five hundred hospitals and more than sixty-seven thousand pharmacies in the United States.

More so, Cigna works alongside over one hundred and seventy-five thousand mental and behavioral health providers in the country.

The company also has a delivery system that offers 90-day home delivery of prescribed drugs for a user. Recently it added digital therapy to its many services.

• Oscar

Established in 2012, although it doesn’t have any ratings yet Oscar is a technology and innovation-driven healthcare company.

One of its unique services is a 24hour unlimited free call option to the company’s doctor. A dedicated team of nurses to guide and answer all your healthcare questions like lab results, records, deductibles, and more.

Cheap healthcare insurance in Florida

There has been a major increase in health insurance prices in Florida over the years. Recently, a report showed that the average cost of health insurance for a person in the state of Florida is $7,389.

Though insurance costs vary based on the cost of care. Still, this has become a concern for Floridians who want to get their health insured.

Luckily for the low-income earners, there are still lots of good but cheap health insurance in Florida. Though, they may be hard to find because of the buzz from the expensive health insurance companies.

Again, there are things to consider when thinking about health care insurance. Factors like your income level, health care needs, county, and the age of the person looking to be insured. This means that prices of insurance differ from county to county in the state of Florida.

Also, a younger person gets a cheaper health insurance price than an older person. That is, the older the person, the higher the price of health care insurance.

However, if you aim to secure a cheap health insurance plan in Florida, those factors mentioned should guide your decision.

According to research, the AMBETTER Company has the cheapest health insurance in most counties in Florida.

Other cheap health insurance by metal tier

Free health insurance in Florida

Free health insurance in Florida still exists because some residents can not afford even cheap health insurance.

This was made possible so that even the lowest income earner can be able to access medical care when necessary.

Therefore, you do not have to go through the health insurance companies for you to be able to access free health care. Instead, you will have to apply for Medicaid or Medicare programs.

Medicaid is a health care insurance avenue through which the federal government in partnership with the state government provides good medical care for low-income Floridians.

You have to be eligible before you can be covered. First, be a resident of the state of Florida, an income earner, a United States citizen, and in need of health care assistance.

Other criteria that help you qualify for Medicaid are the following:

1. Disability or a disabled family member
2. Pregnancy
3. Have a child that is 18 years or below
4. Blindness
5. Be 65 years or older

The Medicaid program has three parts:

• The Managed Medical Assistance (MMA) covers medical services like mental health care, prescribed drugs, doctor’s visits, hospital care, and transportation for these services.
• Long-term care provides nursing facilities, assisted living. To be qualified for Long Term Care, you must be 18 years and above and meet nursing home or hospital level of care
• Dental provides all the Medicaid dental services for both children and adults. Everyone on Medicaid must be on the dental plan.

On the other hand, Medicare is a federal program that provides health coverage for persons who are both under 65 years or above and have a disability, regardless of their income.

You can qualify for both Medicaid and Medicare programs if you meet all the requirements.

For your children below the age of 19 years, you can enroll them in Florida’s KidCare program called MediKids. MediKids is a free health insurance program for children.

Enrolling your child or children in this program will help you save costs in case of any health challenge or health emergency.

Things you should know before picking up any health insurance plan

While it is a wise decision to have your health insurance in place, it is also important that you consider some things so that you won’t have to regret your decision later.

• Know the total cost for your intended health care plan: Your income allows you to decide what type of insurance you should go for. Remember, you pay a monthly amount to your insurance company. It does not matter if you need their services or not for that month.
• Type of health care plan and provider: Some plan or health care insurance packages gives you access to doctors, prescribed drugs, and health care facilities of your choice but others limit your choices or charge you extra for that.
• The Metal tier categories:

The metal tier helps you to see how you share the cost with your plan. There are Bronze, Silver, Gold, and Platinum tiers.

Benefits of health care insurance in Florida

We already know that it is good to have our health and that of our family insured but there are other perks added to it.

• Financial security: It feels very comforting to know that you do not have to break your bank in case of accidents, illness, or health emergencies.
• Pre-Existing illness coverage: In the case of pre-existing illness, your health care insurance makes sure you do not go broke from managing what was not your fault in the first place.
• Peace of mind: Finally, you get to worry less about your health or emergencies and focus more on other important things that you need to do.

In conclusion, the state of Florida has a good and well vast ideology of health maintenance. It is always beautiful to see people who take care of their health needs by themselves and a government that runs an inclusive society where the poor get to enjoy good health care just like the wealthy ones.

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Health Insurance Companies in Alaska: All You Need to Know About Health Insurance in the USA.

Getting sick in the USA is not a cheap pleasure. The healthcare system in the United States is the most expensive in the world.

For each inhabitant of the country, the government spends about $15,000 a year, and the annual turnover of the amount to pay for medical programs costs the state $3 trillion.

The state pays health insurance only for poor citizens, the disabled, the elderly, and other needy.

In this material, we will consider the health insurance system in the United States: what is its cost, and what are the ways to apply for it?

What Is Health Insurance and Who Needs It?

Health insurance in the United States is a contract with an insurance company, under which you pay a certain amount to the insurance company every month, and it, in turn, takes on part of the medical expenses in case of your illness.

Medicine in America is very expensive, so insurance cannot be neglected. Another strong argument in favor of running away and entering into a contract is that according to the Affordable Care Act, health insurance is mandatory for all legal residents of the country. For its absence, even a fine is provided (on average, $350-400).

For reference: US citizens, green card holders, refugees, persons who have received political or humanitarian asylum, as well as holders of non-immigrant visas (including work and student visas) are considered legal residents.

How to Get Health Insurance?

Depending on your life circumstances and income level, health insurance in the USA you can:

• Purchase it independently;
• Part of the costs is borne by the state;
• The state pays the insurance in full;
• The employer pays insurance, fully or partially.

What Are the Types of Health Insurance?

HMO – health maintenance organizations. The cost of health insurance in the United States of this type is the lowest. All because of the very limited number of doctors and medical institutions that you can visit.

You will need to be treated in the same network and you will have a primary physician who will make referrals to other specialists. Coverage does not include out-of-network services, except for emergency medical care.

PPO – preferred provider organizations. The network of institutions is still present, but it is much wider. You can be treated both in the institutions of the network and outside it (but the conditions in the network will be much more favorable).

In addition, you do not need to take a referral to specialists; they will accept you with and without insurance. Buying health insurance in the US of this type will cost much more than all the others.

There are also other, less popular types of insurance. Point-of-service (POS) means that by using the services of doctors and hospitals from the network, you will pay less. An Exclusive Provider Organization (EPO) is the same as an HMO, only without the primary doctor and mandatory referrals to specialists.

Insurance coverage can be obtained in one of the following ways:

• An employer-sponsored health insurance program.
• A health insurance program paid for by the spouse’s employer.
• A health insurance plan paid for by the parent’s employer, provided the insured is under 26 years of age.
• Paid insurance program. Individual health insurance may cover spouse and children. This program is also available through the Affordable Care Marketplace (ACA).
• Renewal of COBRA insurance. COBRA is a law that gives people the right to renew coverage under an employer’s insurance program after a job loss, death of a spouse, divorce, or loss of dependency coverage. COBRA lasts up to 18 months.
• Public health programs such as Medicaid or Medicare, provided the subject is eligible if they fall into a certain category. Medicaid is a state and federal insurance program for low-income individuals and families. Medicare is a program for people aged 65 and over and for young people with certain disabilities. Moreover, the Children’s Health Insurance Program (CHIP) covers children from low-income families.
• Short-term health insurance program. Most Americans now have access to these kinds of programs. They have limited benefits, but a low insurance premium. The duration of such a plan is one year (participants can request an extension twice).
• Association health insurance program. Small companies and individual entrepreneurs, when combined, can purchase general health insurance. This program is not expensive and offers some benefits.

From 2016, employers with at least 50 employees must provide medical benefits to 95 percent of their full-time employees (those who work more than 30 hours a week) or pay a fine. Coverage is for employees and their dependents, but not spouses.

What Are Insurance Plans and How Much Does it Cost?

Depending on the percentage of coverage of medical expenses, there are five basic insurance plans:

• Platinum – about 90% is paid by the insurance company;
• Gold – the insurance company pays about 80%;
• Silver – the insurance company pays about 70%;
• Bronze – the insurance company pays about 60%;
• The minimum insurance – designed for emergencies only and is available only to persons under 30 years of age or to those who can confirm that they are in a difficult financial situation.

It is also worth remembering that insurance plans differ in many important points. There are:

• Co-pay (a fixed amount that you pay for each medical service, and the rest is covered by the insurance company);
• Deductible (the amount that you need to spend before the insurance coverage);
• Co-insurance (you pay a certain percentage of the cost, the rest is the insurance company);
• Out-of-pocket maximum (the maximum amount, after spending which during the year you begin to receive 100% coverage from the insurance company).

Dental and eye insurance are traditionally purchased separately. Dental services include only children’s medical insurance in the United States.

The cost of insurance for the most part will depend on your income, region, and chosen insurance plan. For example, Kaiser Permanente HMO insurance in 2016 for a family of one will cost from $160 (minimum insurance plan) to $315 (platinum plan) per month. To calculate the cost directly for you, use the special Shop and Compare Tool calculator on the official Covered California website.

Where to Buy Insurance?

You can buy health insurance in the US through the Health Insurance MarketPlace. This is such an insurance market. There is a national resource, but some states have their own websites.

Some states operate their own exchanges, while the rest of the states operate their own exchanges through the HeathCare.gov website.

You can go to HeathCare.gov and find a link to a state-specific market, or call 1-800-318-2596 for information.

The state exchange can be contacted for:

• Requesting financial assistance,
• Comparing health insurance programs in a particular area,
• Purchasing a policy.

Although the exchanges are government-run, they also offer private health insurance programs. In addition, the exchange can be used to find out if a person is eligible for Medicaid or the Children’s Health Insurance Program.

When to Buy A Health Insurance?

insurance in the US A health policy is purchased or modified during open enrollment. Most Americans get a policy through their employer.

Different companies have different periods of open registration, so the exact dates of registration are clarified directly with employers.

Medicare open enrollment runs from October 15 to December 7. The Medicaid program does not have a specific period, so enrollment is possible all year long, unless, of course, the insured is eligible for the policy.

The annual open enrollment period for individual and market health insurance programs in most states run from November 1 to December 15.

If the policyholder misses the policy purchase deadline without special circumstances, then he will have to wait for the next open enrollment period next year.

Special circumstances that allow enrollment outside a certain period include; marriage, loss of health insurance policy, the birth or adoption of a child, moving to an area with other health insurance programs, or other unforeseen circumstances that affect eligibility for financial assistance to purchase insurance coverage.

Health insurance companies in Alaska

Speaking of Health Insurance Companies of Alaska, there are a number of health insurance companies in Alaska, which can be divided on:

• Individual and Family Health Insurances (HS – Moda Health, HS – Premera Blue Cross Blue Shield of Alaska);
• Dental Insurances (Golden Rule Insurance Company, HS – BEST Life, Standart Life and Accident Insurance Company);
• Medicaid

Anyone who is interested in purchase of health insurance can buy it via health insurance marketplace, like HealthCare.gov.

However, the availability of some health insurance plans depends on your location within Alaska.

For instance, there are 11 plans available now for residents of Anchorage, Anchorage Borough, while only 7 plans are available for residents of Adak, Aleutians West Census Area.

Health insurance plans in Alaska are usually divided into 3 tier levels: Bronze (Bronze Extended), Silver, and Golden. Speaking of them, the cost of each plan depends on its tier lever and the age of insured persons.

For instance, Bronze Expanded plan costs about $370 for a 21-years-old person while for the 60-years-old person it will cost almost $1000.

Price list of most common health insurance companies in Alaska

Here is a price list of the most common health insurances in Alaska offered to a middle-aged person from Moda Health and Premera Blue Cross Blue Shield of Alaska Health Insurance Companies:

• Moda Pioneer Bronze 6500: estimated monthly premium – $398; deductible – $6,500 individual total; out-of-pocket maximum – $8,000 individual total;
• Moda Pioneer Silver 4500: estimated monthly premium – $624; deductible – $4,500 individual total; out-of-pocket maximum – $7,350 individual total;
• Moda Pioneer Gold 1500: estimated monthly premium – $570; deductible – $1,500 individual total; out-of-pocket maximum – $6,000 individual total;
• Premera Blue Cross Preferred Bronze 5800 HSA: estimated monthly premium – $451.11; deductible – $5,800 individual total; out-of-pocket maximum – $7,000 individual total;
• Premera Blue Cross Preferred Silver 3000 HSA: estimated monthly premium – $695.16; deductible – $3,000 individual total; out-of-pocket maximum – $7,000 individual total;
• Premera Blue Cross Preferred Gold 1500: estimated monthly premium – $594.96; deductible – $1,500 individual total; out-of-pocket maximum – $6,300 individual total.

To Conclude

In America, insurance medicine with its voluntary health insurance guards the health of its clients, guaranteeing not only to pay for the provided medical service but also high-quality treatment with traditional medicines.

In the article, we discussed all the perks of the health insurance system in America and in Alaska particularly, what health insurance possibilities are available for residents and what plans are available now as well. However, which plan to choose and which company is up to you!

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There are many health insurance companies in Texas that are devoted to making sure Texans enjoy the ideal health they deserve.

Among the cardinal things to look out for is ones’ health. There is a saying that good health is better than wealth, which is to clarify how important having ideal health is.

Most people know of this fact but the cost of health maintenance most times could be out of range and beyond the reach of most thus, one of the essences of the health insurance companies in Texas.

On average, about $6,000 is spent individually in Texas which confirms the high cost of health maintenance.

Health insurance is a contract that requires an insurer to pay some or all of a person’s healthcare costs in exchange for a premium.

It is a type of insurance that helps cover the cost of an insured person’s medical and surgical expenses, prescription drugs, and sometimes dental expenses incurred by the insured.

Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

Understanding how these health insurance companies in Texas operate is the right step in the right direction.

Some plans require policyholders to receive care from a network of designated healthcare providers for the highest level of coverage.

If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network which is one of the reasons you have to know about a particular health firm before working with them.

Let’s learn about the top health insurance firms in Texas everyone ought to know. Meanwhile, it is essential to note that this list is in no order of ranking.

Top health insurance companies in Texas

Below is a comprehensive list of the health insurance companies in Texas that are popularly known for their outstanding healthcare services;

• Aetna Health and Life Insurance Company

Address: 151 Farmington Avenue Hartford, CT 06156 USA

Telephone: 1-800-US-AETNA (1-800-872-3862)

Website: click here

Founded: May 28, 1853

Founder: Eliphalet Adams Bulkeley

Headquarters: Hartford, Connecticut, U.S.

Area served: United States and expatriates

• All Savers Insurance Company

Phone:  1-866-405-7174

Email: [email protected]

Address: United HealthCare Services, Inc. 3100 AMS Boulevard P.O. Box 19032 Green Bay, WI 54307-9032

Website: click here

• Ambetter from Superior Health Plan

Address: 3900 N 10th St, McAllen, TX 78501, USA

Phone: +1 877-687-1196

Website: click here

• Amerigroup Insurance Company

INCORPORATED: 06/19/1995 ;

ADDRESS: 4425 Corporation Lane Virginia Beach, VA 23462 United States

Website: visit here

• Ameritas Life Insurance Corporation

Address: 5250 Prue Rd Ste 445 San Antonio, TX, 78240-1757 United States

P.O. Box: 81889

Phone: 800-311-7871

Fax: 402-325-4190

• BCBSTX, A Division of Health Care Service Corporation

Address: Blue Cross and Blue Shield of Texas P.O. Box 660044 Dallas, TX 75266-0044

Phone: 800-259-3668

Headquarters location: Richardson, Texas, United States

Founded: 1929

Ceo: James G. Springfield

Revenue: $1.10 billion

• Bright HealthCare

English: 844-926-4524

Español:  844-926-4523

Website: visit here

• Celtic Insurance Company

Phone: 1-800-477-7870

Website: click here

• CHRISTUS Health Plan

Address: 5825 Old Bullard Rd #500, Tyler, TX 75703, United States

Phone: +1 903-607-7526

Website: visit here

• Cigna Health and Life Insurance Company

Address: 2208 Hwy 121 #210, Bedford, TX 76021, United States

Phone: +1 800-826-6762

• Community Health Choice

Address: 2636 S Loop W #125, Houston, TX 77054, United States

Phone: +1 713-295-2222

Website: click here

• FirstCare Health Plans

Address: 1901 W Loop 289 UNIT 9, Lubbock, TX 79407, United States

Phone: +1 806-784-4300

Website: visit

• Freedom Life Insurance Company of America

Address: 300 Burnett St, Fort Worth, TX 76102, United States

Phone: +1 817-878-3303

Website: visit here

• Hartford Life and Accident Insurance Company

ADDRESS: 1 Hartford Plaza Hartford, CT 06155 United States

PHONE: 1-860-547-5000

INCORPORATED: 09/09/1993

• HCSC Insurance Services Company

Address: 1001 E Lookout Dr, Richardson, TX 75082, United States

Phone: +1 469-804-5752

• Life Insurance Company of North America

Address: 2500 Legacy Dr # 130, Frisco, TX 75034, United States

Phone: +1 888-362-1214

Website: visit

• Lincoln Life Assurance Company of Boston

Address: 1227 W Magnolia Ave #202, Fort Worth, TX 76104, United States

Phone: +1 817-926-9757

• Metropolitan Life Insurance Company

Address: 2615 Calder Ave STE 420, Beaumont, TX 77702, United States

Phone: +1 409-832-6344

• Moda Health, Inc.

Address: 601 SW 2nd Ave, Portland, OR 97204, United States

Phone: +1 877-605-3229

Website: click here

• Molina Healthcare

Address: 5605 N MacArthur Blvd Ste 400, Irving, TX 75038, United States

Phone: +1 877-665-4622

Website: click here

• Oscar Insurance Company

Address: 5921 S Gessner Rd, Houston, TX 77036, United States

Phone: +1 713-271-8889

Website: visit here

• Principal Life Insurance Company

Address: 5080 Spectrum Dr #1200e, Addison, TX 75001, United States

Phone: +1 972-980-9990

Website: click here

• Sun Life Assurance Company

Address: 500 Linden Oaks # 310, Rochester, NY 14625, United States

Phone: +1 585-383-8330

Website: click here

• Superior Healthplan Network

Address: 5900 E. Ben White Blvd. Austin, TX 78741

Phone: 1-877-687-1196

Website: click here

• Wellcare Prescription Insurance, Inc.

Address: 742 Northwest Loop 410 #117, San Antonio, TX 78216, United States

Phone: +1 210-796-5519

Health insurance in Texas

Texas state insurance industry is regulated by the Texas Department of Insurance which oversees the administration of the Texas workers’ compensation system, and performs the duties of the State Fire Marshal’s Office, alongside other important wonderful actions.

The Texas Department of Insurance can help with issues involving insurance companies and health plans and people we regulate. We don’t regulate most health plans.

The insurance commissioner is the agency’s chief executive and administrative officer. The commissioner administers and enforces state insurance laws and applicable laws that grant jurisdiction to the commissioner.

The Division of Workers’ Compensation, under the direction of the division’s appointed commissioner, oversees the administration and operation of the Texas workers’ compensation system.

Some small employers in Texas offer health insurance to their employees. Texas insurance law defines a small employer as a business with two to 50 persons. If you provide health insurance, you must offer it to all your employees who work 30 hours or more each week. You must also offer coverage for their dependents. Business owners can enroll in their small-employer health plan if at least one of their employees also enrolls.

Top Factors that determine the cost of health insurance in Texas

1. Policy
2. Household income
3. Family size
4. Age
5. Insurance plan(Bronze, Silver, and Gold)

• Steps to get affordable health insurance in Texas

If you are interested in knowing how to get the right health insurance package for you, these steps are essential for you to follow;

• Check for plans that are suitable for you

Understanding a plan you want to go for is a clever approach to follow as mentioned earlier because every Health Insurance plan in Texas has its unique benefits although they all aim at providing quality healthcare service.  It is equally essential you consider the plan that covers your health needs.

• Stay Connected

Provider networks are associations of physicians, hospitals, and other health providers who have agreed to collaborate on the health plan.

• Check for the companies review

There are different health insurance companies in Texas that have different modes of operations. Checking for what people say and feel about a particular company will assist you in choice-making.

• Save on the coverage of your prescription

Take a quick look at the package to see how you get coupons for the use of some drug or mail-order pharmacy facilities.

Best health insurance in Texas

Below is the list of top 10 health insurance companies in Texas everyone ought to know;

1. All Savers Insurance Company
2. Amerigroup Insurance Company
3. BCBSTX, A Division of Health Care Service Corporation
4. CHRISTUS Health Plan
5. Cigna Health and Life Insurance Company
6. Freedom Life Insurance Company of America
7. HCSC Insurance Services Company
8. Moda Health, Inc.
9. Oscar Insurance Company
10. Principal Life Insurance Company

Frequently asked questions about health insurance companies in Texas

Does Texas require you to have health insurance? Texas residents are not required to have health insurance under state law. However, the Affordable Care Act does mandate a health insurance requirement on a federal level that includes Texans.

Texas utilizes the federal exchange for health plans and has one of the highest enrollment rates in the country.

What are the approaches to get health insurance in Texas? Health insurance Plans are available to residents through the federal exchange and private insurance companies.

What is the cheapest health insurance in Texas? The cost of health insurance in Texas is determined by different factors as mention above. On an average, the cheapest health insurance in Texas starts for as low as $153 per person for major medical plans.

The list of health insurance companies in Nigeria is worthwhile, although most Nigerians don’t consider health insurance to be of utmost importance because of the irresponsibility of some health insurance companies and also their ignorance.

In all your plans for a better life never neglect your health or put anything before your health. In the decapitated state of the health system in Nigeria, everyone is expected to have health insurance at all times and levels. Health insurance comes with many benefits that cannot be over-emphasized.

However, the curiosity of some Nigerians to know the list of health insurance companies prompted this write-up. In all things, your health should be taken care of and insured at all costs for emergency cases.

Getting your health and that of your loved ones insured will prepare you for unforeseen circumstances.

Overview of the list of health insurance companies in Nigeria

Health insurance helps individuals and families safeguard health against potential risks that could cost them their lives.

There are the best insurance companies among the list of health insurance companies in Nigeria that help individuals looking to secure their lives from such misfortune.

However, you have to know what you are looking for to pick the right one. In order to do that, there are factors to take into consideration before choosing any health insurance company in Nigeria depending on your plans.

List of health insurance companies in Nigeria

• Avon Healthcare Limited
• Total Health Trust Limited
• Integrated Healthcare Limited
• Prepaid Medical Services Limited
• Mediplan healthcare limited
• Zuma Health Trust
• Hygeia HMO Limited
• Metrohealth HMO Limited
• Axa Mansard Health Insurance
• Clearline International Limited

Avon Healthcare Limited in the list of health insurance companies in Nigeria

Avon is one of the best on the list of health insurance companies in Nigeria. They were duly registered by the regulatory authority (NHIS) to operate as a national HMO in October 2012 but commenced operations in 2013.

This health insurance company is a subsidiary of the Heirs Holdings Group, an investment company committed to the economic transformation of Africa.

Whether you’re an Individual, a Family, an Association, or a Corporate Organisation, their health plans have been created to give you access to quality healthcare services whenever you need them.

They also offer on-site health risk assessment, occupational health management, and employee well-being services, which go a long way in maintaining a healthy and productive workforce.

Total Health Trust Limited 

This is also a renowned health insurance company in Nigeria that offers quality medical insurance services to individuals and public and private corporate bodies.

However, their services are relatively more expensive than most Health Management Organizations (HMO) in the country.

Integrated Healthcare Limited 

This health insurance company makes our list of health insurance companies in Nigeria. It offers medical insurance cover to individuals, families, and public and private corporations across the country.

They also offer emergency services and counseling to their customers. Integrated Health Care Limited is a limited liability company incorporated to carry out the business of health management services. The company was incorporated in 2000.

They have over 21 years of experience and a skilled workforce has positioned them as HMO of choice as we have consistently delivered quality health care services to our clients all over the Country.

Prepaid Medical Services Limited in the  list of health insurance companies in Nigeria

Prepaid Medicare Services Limited is a National HMO duly registered to underwrite health insurance as stipulated in the law establishing the National Health Insurance Scheme in 1999.

over the years it has been one of Nigeria’s most trusted HMOs since 2007

Mediplan healthcare

This is an outstanding health insurance company in Nigeria incorporated in May 2000 to carry on the business of providing healthcare services to corporate organizations and members of the public, under a prepaid arrangement, utilizing a network of primary, secondary, and specialist healthcare providers nationwide.

Zuma Health Trust in the list of health insurance companies in Nigeria

Zuma makes our list of health insurance companies in Nigeria and is in no doubt among the best insurance companies in Nigeria. It is an indigenous registered Health Maintenance Organization.

In 2014, they increased and fully paid up their share capital to the tune of four hundred and five million Naira) N405,000,000 and have since been re-accredited as a National HMO by NHIS to provide Health Insurance Services in Nigeria. They are a major player in the social health insurance industry.

Zuma plays a prominent role in servicing Public Sector clients through various NHIS schemes.

Hygeia HMO Limited in the list of health insurance companies in Nigeria

They offer comprehensive health insurance services to individuals and families as well as SMEs and large corporate organizations.

Hygeia makes the list of health insurance companies in Nigeria and therefore, is an outstanding company to work with. They have variable packages that will suit your health needs.

Metrohealth HMO Limited in the list of health insurance companies in Nigeria

MetroHealth HMO is one of the Nigerian leading health management organizations with an aim to render unparalleled technology-based and comprehensive primary, secondary, and tertiary health care services across the country.

It was registered by the regulatory authority, the National Health Insurance Scheme (NHIS) to operate as a national HMO in 2013.

With over 650 partner hospitals, they are committed to rendering world-class preventive and curative health care services to their clients in the easiest and stress-free method.

Axa Mansard Health Insurance 

AXA Mansard is a member of the AXA Group, the worldwide leader in insurance and asset management with 166,000 employees serving 107 million clients in 64 countries.

It is rated B+ by A.M. Best (2016) for Financial Strength. The Company is an understanding one therefore, made the list of health insurance companies in Nigeria.

Clearline International Limited in the list of health insurance companies in Nigeria

Clearline International Limited is one of the largest health management and medical insurance organizations in Nigeria.

They have been registered for over 20 years of service with effective service delivery hence, they made our list of health insurance companies in Nigeria.

They offer medical insurance services to individuals, families, groups, and corporate bodies.

Among the list of health insurance companies in Nigeria, all listed companies are well researched and their effectiveness in service through review brought about our list of health insurance companies in Nigeria.

However, there are other accredited health insurance companies in Nigeria, we handpick the best of them. Is essential to note that the list of the health insurance companies in Nigeria is in no order of rating. All listed companies are worthwhile and worth visiting.

You are recommended to make your individual research through the links provided on each of the companies to know more about them with the various insurance plan that suits your health and that of your loved ones.

Types of health insurance

One may wonder what the different types of health insurance are. Below is the list of the different types of health insurance;

• Health maintenance organizations (HMOs)
• Exclusive provider organizations (EPOs)
• Point-of-service (POS) plans
• Preferred provider organizations (PPOs)

Health maintenance organizations (HMOs)

This is the most popular health insurance plan in Nigeria. HMOs, give you a local network of participating doctors, hospitals, and other health care professionals and facilities that you are required to choose from.

These types of health insurance plans also require you to choose a primary care provider (PCP) from the network. Your PCP is your home base for medical care.

Exclusive provider organizations (EPOs)

EPO offers you a network of participating providers to choose from. Most EPO plans do not include coverage for out-of-network care except in the case of an emergency.

Point-of-service (POS) plans

Point of service plans combine features of HMO and PPO plans.

Preferred provider organizations (PPOs)

PPOs typically offer you a large network of participating providers so you have a lot of doctors, hospitals, and other health care professionals and facilities to choose from.

You may also choose to see providers from outside of the plan’s network, but you will pay more out of pocket.

Factors to consider before choosing among the list of health insurance companies in Nigeria

• Financial strength
• Validation and accreditation
• A company’s motive
• Coverage
• Cost of insurance

Financial strength

Choosing among the list of health insurance companies in Nigeria, the financial strength of the health insurance company should be considered first and foremost. This is very essential because no insurance company can stand without a strong financial backup.

Check for the company’s affiliates and organizations in partnership with the health insurance company.

Validation and accreditation

Check also if the health insurance companies have legal standing in Nigeria if not, run from such companies. Make proper research before choosing any health insurance company because many scammers are hiding under the umbrella of an insurance company.

A company’s motive

Different companies with different motives, check why a health insurance company is in existence. Companies do better on their driving force which is their motive of existence.

Coverage

Also, consider the area an insurance company covers if your health need is inclusive. Such a decision will help you better in choosing from the list of health insurance companies in Nigeria.

Cost of Insurance

Some health insurance companies are unnecessarily expensive. Consider your financial grounds and that of a chosen company before choosing from the list of health insurance companies in Nigeria.

Company policy

Every health insurance company in Nigeria has a policy guiding them. Check if a health insurance policy is favorable before choosing from the list of health insurance companies in Nigeria.

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Is there anything like Free Emergency Medical Insurance? let’s learn more.

The concept of free emergency medical insurance is not too clear to those who even claim to know it.

If by peradventure you get into any hospital with an emergency status, the doctors and nurses on duty would do what’s required of them to save your life even if you don’t own insurance.

The Emergency Medical Treatment and Labor Act requires that any person with an emergency medical status isn’t denied essential lifesaving medical attention, irrespective of the individual’s insurance coverage.

Normally, you may be required to pay a ton of dollars to see a doctor in a developed country such as the US, but the emergency scenario is a different case; more so, if you have insurance, it makes it easier.

In the post, we will be discussing how emergency medical insurance works and how to access it even if you are an expat working in a foreign country.

Ready to learn more? Let’s jump right into the details!

But before we talk about how emergency medical insurance works generally, let’s quickly take a look at some of the things you need to get right before making a decision on which plan is best for you.

Factors to Consider before Choosing an Emergency Medical Insurance 

Here are some of the key factors you should take time to consider before going for any insurance plan:

Location of my health provider 

You must consider where you plan to get the healthcare before jumping right into medical insurance for emergency purposes.

This is because health insurance controls the cost of taking an audit of your access to the healthcare provider.

Say the insurance company has partnered with some hospitals within your environment. Still, for one reason or the other, you chose not to visit the particular healthcare provider with your emergency status and get into another clinic. You would be required to pay a large amount of money to sort yourself.

The reason is not far-fetched; the insurance company normally contracts a network of healthcare providers, including hospitals, laboratories, physicians, and other key entities, to offer free healthcare access to their enrollees. This means that you need to be within that reach to access this or pay elsewhere.

What does the medical insurance cover?  

All thanks to the standardizations many countries around the world have now embraced that make insurance benefits more robust.

Before this, there used to be plans that were dependent on what you chose to have when contacting the insurance company. In fact, some plans included only the prescription or treatment devoid of all other essential medical benefits.

Nowadays, you’ve got access to essential medical benefits such as free hospitalization, emergency services, mental health treatment, laboratory tests, prescription drugs, rehabilitation services, and many more.

Cost 

You also want to consider the cost of the medical insurance you are opting for beforehand. Though complicated in some cases, but you must pay a decent amount to access a premium service when the need arises.

There are a lot of amounts associated with the healthcare you are going to receive, especially during an emergency case. There are deductibles, coinsurance, and copays that represent the amount you pay out of your pocket in contribution to the healthcare you receive.

So your best shot is to pay a decent amount upfront as insurance to avoid paying money when accessing the healthcare services.

How does emergency medical health insurance work?  

Emergency medical insurance assists in lowering or canceling the amount you would otherwise have to incur for high-cost medical bills.

Though this varies depending on the plan, you choose, but they all work the same way.

First things first, you’ve got to pay a premium every month as a subscription fee for the insurance, but in the case of free emergency medical insurance, which is not so common, you don’t have to pay a dime.

Then there’s the deductible, which is the amount you have to pay out of your pockets for a healthcare provider right before the plan you opted for comes in to cover your treatment cost.

For the shareable health insurance, you have to reach the deductible before the plan comes in to take over your payment.

A simple example of this is if your plan covers 90% of the treatment, you have to make the remaining 10% available, which is called coinsurance.

Another thing with how medical healthcare insurance is that preventive care is always covered in totality.

It covers treatments such as a flu shot, annual check-ups, vaccinations for kids, and whatnot. This is one of the best things about choosing a premium package for your healthcare insurance.

Final thoughts on free emergency medical insurance

The availability of free emergency medical insurance is real, and many insurance companies are not keying into the lifesaving plan for people.

But be informed that you may pay a certain amount when the treatment is ongoing, so the victims’ families must get ready for this beforehand to avoid unnecessary scenarios at any healthcare facility.

Hope I am able to clear the air? let’s take a look at some of the FAQs below.

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Wondering what the emergency medical insurance for visitors to the USA is like? Don’t worry you are among the fortunate ones to come across this article.

Emergency medical coverage is always an integral part of any insurance plan when making plans for your journey.

You sure don’t want to focus your attention only on checklists such as shopping, food, and places of visitation when making plans for your trips; it’s equally important to consider health insurance in case of an emergency.

This is because your normal health insurance may not provide medical coverage when you are overseas.

Looking for a policy that helps in an unexpected illness or injury is one of the best courses of action for an intending traveler. Consider all of the options available critically before going into the states, and you will never regret doing that.

In this post, we will shed more light on travel medical insurance and some of the emergency medical insurance you may opt for as a visitor to the USA.

Ready to learn more? Let’s get right into the details!

Travel Medical Insurance

Travel medical insurance is crucial as it provides reimbursement for expenses incurred in an emergency situation while traveling. This is different from routine medical expenses as it’s only applicable to a traveling person in an unexpected health care need. There are different travel medical insurance to look out for if you intend to go abroad.

Say you have an accident while traveling that resulted in a broken leg, travel medical insurance will take care of the expenses of treating and getting you back in shape.

But in a situation where you just feel like having a routine mouthwash with a dentist, there’s no coverage for this type of normal healthcare.

If you are a traveler, say an expat, or an individual who goes into the States more often than not, you want to ensure you purchase a comprehensive travel health insurance policy. But there’s a real difference between travel health insurance policies and travel medical insurance.

What does Emergency Medical Insurance Cover?

If you experience unexpected, sudden, and unforeseen injuries and accidents, emergency medical insurance will cover the condition’s expenses.

The insurance will also cover necessary costs such as expenses for surgery, x-rays, labs, CT scans, MRI, local ambulance, and prescription drugs.

Does Emergency Medical Insurance take care of Dental Fees?

Another important part of healthcare that emergency insurance handles is the cost of emergency dental treatment due to sound and natural teeth injury. If you have an infection with your tooth, it might disburse money and cover for it.

How to Use Insurance in the US

You want to prepare ahead against a medical emergency that might occur while in the United States by having travel insurance that can always get you covered.

Without a doubt, getting medical care in a foreign country will always be different from whatever system you are used to. Some hospitals do provide direct billing to your insurance company in the states, and there are ones that don’t.

You should be aware that some clinics won’t even commence treatment in case of any emergency if there is no upfront being paid. In an unfortunate situation of getting injured while in America, it’s in your best interest that your loved ones arrange an upfront payment, so the treatment can commence as soon as possible.

Nevertheless, many insurance companies today are always willing to provide a guarantee of payment if the hospital requires it. It would be best if you searched for a nearby healthcare provider that bills directly.

Important Insurance Policies in the US

In the United States, visitors’ insurance always comprises travel medical plans that focus on protection against accidents that might occur while in the country.

Medical care in America is always costly, and you sure don’t want to prepare for any unexpected circumstances that might require you to have some urgent medical attention.

There’s the visitor coverage, which comes in two kinds and costs less upfront. However, it requires that you absorb more of the healthcare provision expense later if you want to claim. The thing with a scheduled benefit is that it emphasizes more each provision you might require.

Also, there is a comprehensive plan that doesn’t contain any fixed payment limit for every single treatment you receive. With this plan, you have to select the maximum medical amount of coverage; then, any covered expenses are paid off after you have paid your deductible and the coinsurance.

Final Thoughts on Emergency Medical Insurance for Visitors to the USA

You sure don’t want to entertain the thought of not needing emergency medical insurance when you visit the US. Yes, nobody wishes to go that path, but it’s only reasonable and thoughtful to have yourself covered in case of any unfortunate situation while in the States.

This emergency medical insurance will come in handy for you in case of an accident and ensure you get the best of treatments as soon as possible.

FAQs on Emergency Medical Insurance for Visitors to the USA

Here are some of the frequently asked questions with regard to emergency medical provision for visitors in the states.

I am having an emergency. What should I do first?

If you are in an emergency, you should first locate a nearby hospital to receive urgent medical attention.

The insurance company won’t require you to seek approval before seeking out emergency treatment from a healthcare provider.

Will I be responsible for paying any amount incurred with regards to treatment?

You might have to pay a certain amount if the insurance plan doesn’t cover everything. The care may be subject to deductible, which means different hospitals with different rules in place.

I am a tourist. Can I get health insurance in the US?

Yes, you can get a visitor visa or medical insurance for the USA. The type of insurance known as trip insurance will provide coverage for your healthcare in case of an emergency while in the states.

I would like to get temporary health insurance in the US. Is this possible?   

You can get short-term health insurance if you so wish. However, the short-term plan isn’t ACA-compliant, so it is pretty dicey and not always recommended.

Due to the use of medical underwriting with this type of insurance, it doesn’t provide full coverage.

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There are different health insurance companies in Brazil ranging from private to public health insurance companies.

Health insurance covers about 16% of the total insurance in Brazil. Health insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is a risk among many individuals.

That’s why many people are embracing these health insurance companies in Brazil.

Introduction to health insurance companies in Brazil

The health insurance companies in Brazil are working vehemently to bring the people to the light of health insurance.

Different companies have different modes of operation which in the end is to reach a common goal which is to get people insured without living in fear. The health insurance companies in Brazil have no exemptions.

As we all know Brazil’s health care system is known as a unified health system that functions as universal healthcare. This implies that there will be free healthcare for the citizens and permanent resident holders.

Such a healthcare system comes with some challenges thus the essence of these health insurance companies in Brazil.

Health insurance companies in Brazil

Below is the list of outstanding best health insurance companies in Brazil;

• Bradesco Saúde
• Hapvida Sistema de Saúde
• Amil Assistencia Medica
• SulAmerica
• Notredame Intermédica
• Pacific prime health insurance
• Caixa segurazora

Bradesco Saúde among the health insurance companies in Brazil

Bradesco Saude was founded in 1964 and has created a series of products capable of protecting you and your family in various circumstances and in different segments, such as Auto Insurance, Health plans, Dental, Capitalization, and Life Insurance among others.

They have millions of customers throughout Brazil that rely on a modern service structure, made up of telephone call centers, and digital and internet channels, in addition to their own branches, active brokers, and a network of Banco Bradesco branches.

Also, they follow the strictest quality standards so that you, the insured, always have a pleasant experience.

What You Need to Know to Claim a Refund

Bradesco Saúde provides reimbursement for medical and hospital procedures covered by the insurance contracted and carried out outside the referenced network.

The beneficiary chooses the provider of interest and pays for the service used. Then, it asks the person who provided the medical care for the necessary documentation and presents it to the Insurer for reimbursement, which will be done in accordance with the limits established by the insurance.

Hapvida Sistema de Saúde among the health insurance companies in Brazil

It was founded in 1979 by Candido Pinheiro Koren de Lima, has more than 7.1 million customers; the Hapvida System is currently positioned as one of the largest supplementary health systems in Brazil present in all regions of the country, generating employment and income for society.

It works with more than 37 thousand direct employees involved in the operation, more than 15 thousand doctors, and more than 15 thousand dentists.

Amil Assistencia Medica 

Amil Assistencia Medica was founded in 1978 by Edson Bueno it is a subsidiary of Amil Participacoes S.A., which in turn is a subsidiary of UnitedHealth Group Inc, which is a management healthcare company.

It offers a range of medical and healthcare services to individuals and corporate customers and stands to be among the health insurance companies in Brazil.

Their product portfolio includes medical plans such as Linha Blue, Linha Medial, and Linha Dix. The company also offers various dental products across Brazil and is headquartered in Sao Paulo, Brazil.

SulAmerica among the health insurance companies in Brazil

SulAmérica operations are focused on people protection, with a leading position in the health and dental insurance segments and in wealth.

SulAmérica has a leading position in the Brazilian private healthcare market, being among the best and largest health insurance companies in Brazil in terms of revenues, according to data from ANS (National Supplementary Health Agency), in addition to an important presence in the offer of dental plans.

The Company is renowned for its presence in the private healthcare segment offering a product with high-quality assistance in partnership with its broad and qualified network of medical providers, with nationwide coverage.

In life and personal accident insurance, the Company has a broad portfolio, offering group, and individual coverage plans, as well as credit life and travel insurance.

Notredame Intermédica among the health insurance companies in Brazil

The NotreDame Group Intermédica (GNDI) was founded in 1968 and is recognized as a pioneer in preventive medicine for its diversity of products and intelligent and efficient management tools that offer one of the best solutions in health and dentistry to the corporate market throughout Brazil.

The Group is among the largest health insurance companies in Brazil. It employs about 9,000 employees and has more than 3.2 million members and 5,000 corporate customers.

The GNDI has extensive Private Networks and Accredited Clinical centers, hospitals, emergency rooms, and hospitals, as well as dental clinics with qualified professionals to promote a service based on the best care and patient safety.

Pacific prime health insurance 

Although Pacific Prime is not Brazilian-based, it is an insurance intermediary that works for people all over the world to find the insurance they need.

Brazil health insurance plans that Pacific Prime offers will provide you and your loved ones with the quality treatment that you deserve in Brazil.

These plans are also globally portable and guaranteed renewable for life, so should your situation change and you need to relocate to a different country your plan will travel with you, even if you have developed a chronic condition.

Pacific Prime is an insurance advisor that offers local insurance solutions and a wide range of health plans and cover for individuals and families, therefore; we choose them among the health insurance companies in Brazil.

Caixa segurazora 

Caixa Seguradora was founded in 1967 with the union between CNP Assurances and Caixa Econômica Federal.

Everything that it does follows a vision to be the insurance company for Brazilians. Caixa contributes with its credibility so that the company takes its products to the homes of more and more Brazilians.

Corporate transparency is maintained by a management structure and internal controls and departments related to ethics, fraud prevention, and protection of human rights. Therefore, it is among the best health insurance companies in Brazil.

The governance model is based on the best management practices: all decisions are submitted to a vote and their financial statements are supervised by the Fiscal Council.

Conclusion on the health insurance companies in Brazil

In the list of health insurance companies in Brazil, there are different health insurance packages to meet your health care needs.

Brazil is one of the biggest and most influential nations in South America. From the pristine coastal beaches to the undiscovered mysteries of the Amazon, Brazil has something to offer everyone.

By estimating the overall risk of health risk and health system expenses over the risk pool, a company can develop a framework of payment that would be convenient and effective and with the raging health issues, the need for health insurance is essential.

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Does Medicare cover hospice? This question is a big concern to many, however, clarification on does medicare cover hospice is made for better understanding.

Hospice care costs are covered by Medicare and most private insurance programs. This is one of the benefits patients are offered by medicare.

This lifts financial burdens and gives patients an amazing and comfortable end of life.

This care also stands to affirm life and make one live as long as possible. I am confident you understand what hospice is although more light will be thrown to give you a better view. Hospice is mostly on a home base however, there are equally health facilities to promote this care.

Introduction to does medicare cover hospice

This question on does medicare cover hospice had been answered however, it is of utmost importance you understand the things involved in hospice and medicare and how they operate.

Hospice is special care that provides compassionate care for people in the last phases of incurable disease so that they may live as fully and comfortably as possible.

This care focuses on the improvement of the quality of life of the patients and their caregivers.

Medicare is a US government-funded health insurance program that provides medical coverage for people over the age of 65.

Some requirements are to be met in order to be eligible for hospice care coverage by Medicare. Let’s take look at some of the requirements below.

Medicare hospice eligibility criteria 2021

Requirements in does medicare cover hospice

There should be certification by your doctor and a hospice medical director indicating that a patient has limited time to live usually 6 months or less.

The patient must sign a document that indicates he or she chooses hospice over curative treatment for the terminal disease however, one can stop hospice and return to curative treatment at any time.

The patient receives care from a Medicare-approved hospice program.

A patient must be eligible for medicare type A. Medicare Part A always covers hospice services, even for patients with a Medicare Advantage (Part C) plan. Hospice services for patients and their families are covered by medicare.

You are strongly advised in this article on does medicare cover hospice to visit your health care provider and know the right thing to do and also check what the medicare program covers in your locality and their benefits.

On a general view hospice services are not limited to the one below:

• Home medical equipment and personal supplies
• Around-the-clock access to care
• Management of complex pain and other symptoms
• Hospice aide for personal care and light homemaking
• Medical social services
• Spiritual care and support
• Physical, occupational, dietary, and speech therapies
• Support from volunteers
• Short-term inpatient respite care (relief) for family caregivers
• Ongoing Grief counseling for the patient, family, and friends

Important things to note on does medicare cover hospice?

Hospice care is usually given in your home but may also be covered in a hospice inpatient facility.

When you choose hospice care, you decide you no longer want care to cure your terminal illness, and/or your doctor determines that efforts to cure your illness aren’t working.

Hospice benefits will usually cover everything you need

It does not cover expenses associated with room and board.

Does medicare pay for hospice in a skilled nursing facility?

Does medicare pay for hospice in a skilled nursing facility is another question of concern, just as earlier stated medicare covers everything you need in hospice care provided the patient is eligible to receive such services.

Yes, Medicare pays for hospice in a skilled nursing facility. In a nursing facility, a hospice helps patients, families, and nursing home staff by providing end-of-life resources and support.

The Medicare Hospice Benefit covers services, medications, supplies, and equipment that are related to terminal illness.

These skilled nursing facility room-and-board expenses are often covered by Medicaid when the patient meets the state’s financial eligibility requirements.

How much does hospice cost?

If you are interested in knowing how much hospice costs the value provided below will guide you however, it is important you note that are variations depending on different factors like the state of the patients, type of illness, and other economic determinants of cost.

Medicare covers hospice care costs once a patient reaches all the criteria. These costs might be up to $10,000 per month, depending on the nature of the disease and the level of care required.

However, on average, it is usually around $200 for home care and up to $1000 for general inpatient care per day.

According to the HOA, the average costs for Hospice Care as of October 1, 2010, were $147/day for routine home care, $856/day for the continuous care of 24 hours, or $36/hour if a nurse is in the homeless than 24 hours; and $152/day for respite care.

Who pays for hospice care at home?

If you are interested in knowing who pays for hospice, below are some of the programs or ways to get financial relief for hospice care.

• Individuals
• Medicare or Medicaid
• Veteran’s Benefits
• Health Insurance Coverage

Conclusion on does medicare cover hospice

A lot has been said on does medicare cover hospice, to which the answer is given as “YES” however, this article is not to interfere in any way, with any health insurance policy or determine the cost of healthcare. Kindly make your individual research to know what works for you and your family and the appropriate step to take. This article is for reference purposes.

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There are different health insurance companies in Sri Lanka that you should consider since health is one of the things everyone should strive to care for at all costs.

Your health is your wealth, so it is important you get it insured with these companies so that even in times when you are not capable to finance your medical bills you can have where to cling.

Every family deserves to have their health and that of their loved ones insured, for the rainy days. All health insurance companies in Sri Lanka have different amazing packages that you can subscribe to.

Introduction to the health insurance companies in Sri Lanka

The health insurance companies in Sri Lanka cover a range of health insurance needs at varying prices. Therefore, you don’t have to be intimidated because is always a package that would match your needs.

In most cases, depending on the package you subscribe to, the health insurance coverage pays for a medical, surgical, prescription drug, and sometimes dental expenses incurred by the insured.

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Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly which is dependent on the mode of operation of the different health insurance companies in Sri Lanka.

To some, it might be very difficult to choose among the best health insurance companies in Sri Lanka, thus this article.

You don’t have to bore yourself with the stress of thinking about a package that suits you, these health insurance companies in Sri Lanka are open to giving you the proper guidance you need to make the right choice.

You only need to provide them with the authentic information they need for the evaluation.

Health insurance companies in Sri Lanka

Below are some of the health insurance companies in Sri Lanka;

• Softlogic Life Insurance PLC
• Fairfirst insurance limited
• Ceylinco house
• LOLC life assurance limited
• Janashakthi Insurance PLC
• Allianz Insurance Lanka Ltd.
• Sri Lanka insurance

Softlogic Life Insurance PLC

Softlogic is one of the amazing health insurance companies in Sri Lanka with the backing of Softlogic Holdings, they are today one of Sri Lanka’s leading life insurers.

They strive to revolutionize insurance in Sri Lanka through world-class innovations and deliver extraordinary stakeholder value.

Also, with their diverse portfolio of products, you have an ample taste of world-class life insurance products that give you the freedom and the opportunity to live life to the fullest.

Address: 95/1, Colombo Road, Gampaha Sri Lanka

Fairfirst insurance limited

This journey can be traced back to 1988, however, in 2016 Fairfirst Insurance was born with the combined strengths of Union Assurance General Insurance and Asian Alliance General Insurance.

In 2017, Union Assurance General completes the 100% share acquisition of Asian Alliance General Insurance, and AAGI accordingly becomes a member of the Fairfax group.

Address: Access Towers II (14th Floor), 278/4, Union Place, Colombo 02, Sri Lanka.

Ceylinco house

Ceylinco Insurance PLC started its operation on the 14th of January 1988 and has since grown and flourished in the spheres of Life and General Insurance.

Today, they are one of the leading health insurance companies in Sri Lanka, with the largest network of branches and agents in the insurance industry.

They also strive to contribute to the economic development of Sri Lanka and enhance the quality of life of its people.

Address: 69 Janadhipathi Mawatha, Colombo, Sri Lanka

LOLC life assurance limited

LOLC Life Assurance Ltd is a fully owned subsidiary of LOLC Holdings which is one of Sri Lanka’s largest, most diversified conglomerates.

LOLC Life offers a range of tailor-made solutions that will help you face the unplanned and unforeseen changes in life. We can help protect what matters to you most and effectively prepare you for the unexpected by understanding what you need.

Address: 481 T. B. Jayah Mawatha, Colombo 01000, Sri Lanka

Janashakthi Insurance PLC

Janashakthi Insurance PLC was founded in 1994 and has progressed from a small Life Insurance company, to become one of the leading Insurers in Sri Lanka.

They focus to deliver on a greater calling to ensure that they uplift the lives and empower the dreams of the millions of Sri Lankans who we reach directly as customers, or touch indirectly by providing the warmth of protection to their families and loved ones.

Address: 75 Kumaran Ratnam Rd, Colombo, Sri Lanka

Allianz Insurance Lanka Ltd.

It started out as a greenfield operation in 2005, Allianz Lanka has emerged as one of the fastest-growing insurance service providers in Sri Lanka.

Allianz Insurance Lanka Ltd. and Allianz Life Insurance Lanka Ltd., known together as Allianz Lanka, are fully-owned subsidiaries of Allianz SE, a global financial services provider with services predominantly in the insurance and asset management business, headquartered in Munich, Germany.

Address: No. 675, Dr. Danister de Silva Mawatha, Colombo 09

Sri Lanka insurance

This was established in 1962 as a state-owned corporation and the pioneer insurer in Sri lanka.

Its financial backup makes it one of the most secure and reliable insurance solutions providers in the country.

Also, Sri Lanka insurance still stands as the only insurance company to be awarded AA (Ika) fitch rating.

Address: Rakshana Mandiraya, No.21, Vauxhall Street, Colombo 02, Sri Lanka

Conclusion on the health insurance companies in Sri Lanka

Do not allow the lack of finances to prevent you from living your life to the fullest. Every insurance company listed above has different packages to get your health insured.

Don’t wait till it’s too late, make haste while the sun shines, the merits of having your health insured cannot be over-emphasized.

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Health insurance companies in Bahrain are worthwhile since health must be cared for at all costs.

Is no doubt that many get stuck in confusion because of the inability to carter for their medical bills.

What a clever approach to get this confusion off your neck and live your life without fear by getting your health insured with one of these health insurance companies in Bahrain.

There are many effective and efficient companies in Bahrain that can help ensure your health at affordable rates. Wait no more to avoid the fear of uncertainty.

Visit anyone on our list of health insurance companies in Bahrain and get started. These companies on our list have an outstanding rate of client satisfaction.

Overview of health insurance companies in Bahrain

If you are in Bahrain and are reading this article, you are among the lucky to get this amazing list of the health insurance companies in Bahrain.

If you have fear of missing out on your health, why not try any of these companies because you are about to do yourself and loved a lifetime favor.

These companies come with varying packages that will perfectly suit your health desires and yearning.

Don’t be left out, at one point or the other in our lives, we feel sick, or we are faced with one health challenge or the other, do we intend to bear this burden of health issues alone?

That’s why these health insurance companies in Bahrain are here to help give you the rest of your health burden. Don’t get it twisted that sounds great. Let’s take a look at some of the amazing health insurance companies in Bahrain that you must know.

Health insurance companies in Bahrain

Below is the list of the outstanding health insurance companies in Bahrain;

• Medgulf Takaful
• Al Hilal life
• Metlife Alico Gulf
• The New India assurance company limited
• Bahrain National Life Assurance Company B.S.C.
• Gulf Union Insurance & Reinsurance Company B.S.C
• Bahrain National Insurance Company
• Solidarity Insurance

Medgulf Takaful

Among the best health insurance companies in Bahrain is Medgulf Takaful. It was founded in 2007.

The company was launched to meet the significant demand for Takaful products in the region. It is 75% owned by The Mediterranean and Gulf Insurance and Reinsurance Company, which is a leading regional insurer, and 25% by Allianz Europe Ltd.

Among Medgulf Takaful’s packages is a range of life/family takaful and non-life/general takaful products to protect you and your interests.

General Takaful offers a wide range of takaful products such as motor, household, marine, and engineering for both retail and corporate customers, in addition to health takaful.

They adopt innovative solutions delivered by a highly skilled team of professionals, who are passionate about the products and eager to provide the best possible solution for everyone.

Address: Rd No 408, Salmabad, Bahrain

Al Hilal life

In just a matter of a few years, Al Hilal Life / Al Hilal Takaful has moved from being a startup company with a limited customer base to become one of the best health insurance companies in Bahrain.

They offer both Life and Medical insurance services to thousands of customers in the markets where we operate.

They continuously strive to provide their customers with refreshed and innovative insurance solutions aligned with their needs and ambitions.

Their missions include but are not limited to; making sure children are taken care of in case their parents are no longer around, making sure individuals properly plan for their golden years, and making sure every person finds financial support in case of sickness or disability.

Address: Road No 1010 Sanabis, 410, Bahrain

Metlife Alico Gulf

Metlife has been in existence for 65 years, finding smart financial solutions to life’s everyday needs.

Their experience means they have watched the world change, and have adapted to it, but the promise remains.

They have their headquarter in Dubai but support businesses in the UAE, Bahrain, Kuwait, Oman, and Qatar.

It is among the leading health insurance companies in Bahrain working tirelessly in making sure that indeed people’s health is insured.

Address: No. 452a, Road No. 1010, Block 410, Sanabis, P.O. Box 20281 Manama, Bahrain

The New India assurance company limited

NEW INDIA ASSURANCE CO. LTD, was founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries including Bahrain, and is headquartered in Mumbai, India.

Among their achievements, they have been rated AAA/Stable by CRISIL since 2014, indicating that the Company has the highest degree of Financial Strength to honor its Policyholder’s obligations.

In 1920, within one year of the incorporation of the Company, New India opened an office in London in the United Kingdom.

Address: No. 4017, Lane 482, Block 304, Al- Wazzan Building, Al-Khalifa Avenue, Manama, Bahrain

Bahrain National Life Assurance Company B.S.C.

Bahrain National Life Assurance Company B.S.C. (c) is a 75% owned subsidiary of Bahrain National Holding, established in 2000, and is the only local company specializing exclusively in providing a wide range of life and medical insurance products and services for businesses & individuals.

Bnl is a separately capitalized Life & Medical Insurance Company; providing a wide range of corporate and individual products under Life and medical, including Mortgage Insurance, Child Education, Future Security; and various medical products ranging from Local Essential to International Comprehensive plans.

With its vast expertise in Life & Medical underwriting and claims, it aims to surpass its clients’ expectations with local and international medical insurance coverage, as well as providing them with long term prosperity and security through their life assurance and investment products

This company stands among the best health insurance companies in Bahrain.

Address: Building 2491 Road 2832 Block 428 BNH

Gulf Union Insurance & Reinsurance Company B.S.C

Gulf Union Insurance & Reinsurance Company BSC was incorporated in 1995 according to a Cabinet decision of the Kingdom of Bahrain on 8th May 1994.

The company is licensed to underwrite all types of insurance business and to accept reinsurance inwards business.

Gulf Union Insurance & Reinsurance Company BSC(c) holds 35% shares of Gulf Union Automotive Repair Centre WLL, an associate which undertakes repairs of motor vehicles arising out of motor claims of the company. The company also holds 15% shares of Gulf Electronic Management Systems WLL, an associate which undertakes administration of the medical & motor claims of the company.

Address: Salihiya, Bahrain

Bahrain National Insurance Company

Bahrain National Insurance Company B.S.C (c) is a wholly-owned subsidiary of Bahrain National Holding Company and the General Insurance arm of the Group, offering a full range of products for businesses and individuals.

It has over 50 years of experience in handling individual and commercial insurances. The company has an authorized capital of BD 10 million (US$ 26.5 million) and a paid-up capital of BD 6.5 million (US$ 17.2 million).

Also, it has been striving to continuously provide superior services along with innovative products and solutions to its clients, which makes it make our list of the best health insurance companies in Bahrain.

Address: Zinj, Bahrain

Solidarity Insurance

This is a subsidiary of Solidarity Group Holding B.S.C (closed) incorporated under the laws and regulations of the Kingdom of Bahrain.

Its existence started back in 1976, with the establishment of one of the Kingdom’s earliest locally domiciled composite insurance companies.

The Company is distinguished by its ethical business approach, extensive range of products and solutions, and highly experienced and well-qualified team of professionals.

Solidarity Bahrain is also noted for its innovative customer service initiatives, making it one of Bahrain’s best health insurance companies.

Address: Building 1405، Rd No 426, Salmabad, Bahrain

Conclusion on the health insurance companies in Bahrain

The health insurance companies on our list are worth visiting for your health insurance needs.

Also, is important you note that the list of the health insurance companies in Bahrain is in no order of rating.

Kindly follow the links provided on the body of each of the companies for a better view of the amazing health packages they have in stock for you.

We are open to suggestions and if you feel left out, do not hesitate to reach out to us.

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