The last thing you need when you’ve been sick is to have trouble paying your medical bills, especially when you’re insured. A good insurance company will have representative and policies that help you get well and fee better faster.

The People

The top ten health insurance companies will have employees who are courteous and efficient. No one wants to get a representative that is in some foreign country with a heavy accent and an even heavier attitude. The top 10 health insurance companies in the United States are Aetna, American Association of Retired Persons (AARP), American Family Insurance, American National Insurance, Anthem Blue Cross and Blue Shield, Cigna, Humana Inc, Kaiser Permanente, Medical Mutual of Omaha, and UnitedHealth Group. These companies’ employee U.S. workers, provide superior customer service, and have a long history of providing the best insurance plans in America.

The Plans

The top 10 health insurance companies in the U.S. provide plans that are affordable and comprehensive. They have low deductibles, low co-pays, and low co-insurance fees. Most of them offer some sort of group plans that cover individuals who even have pre-existing conditions. They all have 800 numbers and an online presence. Their agents are easy to contact and their rates are reasonable. They pay claims within a reasonable time frame and are responsive to question from doctors, patients, and their families.

The Premiums

A premium is the amount an insured pays to be covered by a health plan. The top ten health insurance companies are competitive and aim to keep their rates affordable. Even though health insurance costs consume a considerable portion of an individual’s income, they are still more affordable than trying to pay for medical bills out-of-pocket. The top ten health insurance companies will try to keep out-of-pocket expenses to a minimum so a catastrophic illness will not undermine an individual’s financial security.