Kaiser Permanente is only available in eight states and the District of Columbia and the insurer generally offers HMO plans, which restrict care to in-network providers. Most plans include 24/7 virtual care at no cost, but coverage options are limited, as is state availability. Not surprisingly, Kaiser Permanente received far fewer complaints than expected according to the National Association of Insurance Commissioners (NAIC). Plus, the company came in first across multiple regions in the J.D. Kaiser’s plans have an average 4.3-star rating from the NCQA and all are rated 5 stars by. Kaiser Permanente’s plans have the highest member experience ratings of any of the providers we reviewed. These ratings indicate relatively poor member experiences compared to other companies. Note that Oscar's plans only received a 2-star rating from and an average 2.75-star rating from the NCQA. But Oscar has limited state availability so isn’t an option for everyone. Though not all plan types are available everywhere, Oscar has PPOs, HMOs, and EPOs, and offers four different metal tiers. We also love that Oscar’s plan documents are easy to understand, and the company offers a variety of plan options, including high-deductible and $0 deductible plans to meet different needs. Oscar’s convenient mobile app lets you sync your steps or request virtual care. You can get $0 virtual care with most plans and up to $75 in Amazon gift cards for meeting your annual step goals. It also offers a wide range of medical management programs, including ones for asthma, diabetes, depression, pain management, heart disease, high blood pressure and cholesterol, low back pain, pregnancy, and weight loss. In particular, its bronze and silver plans offer particularly low out-of-pocket costs. Oscar has the lowest physician copays ($0) and offers the lowest cost plans across age groups (25, 35, 45, and 60 years old). However, we found that in some states, physician copays were relatively high.īlue Cross Blue Shield is also an excellent choice for small business health insurance plans and is our top pick in that category. Some BCBS companies also offer additional benefits, like $0 virtual care and medical management programs for depression, pain management, heart disease, asthma, diabetes, and high blood pressure. This makes it a good option for people who prefer robust coverage. Notably, it offers the best-value Gold plans (meaning overall costs, including premiums and deductibles, are relatively low). Plans are available nationwide but vary by region, and Marketplace plans are not available in all areas.īCBS offers four metal levels (Bronze, Silver, Gold, Platinum) and catastrophic coverage through the Health Insurance Marketplace. In addition to HMO plans, BCBS offers PPO, EPO, and POS plans, which is great if you don’t want to be restricted to in-network providers. Blue Cross Blue Shield has an average NCQA rating of 3.7 out of 5 stars, the second highest of the insurers we reviewed.
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