Optima Health Insurance Review & Ratings (2023)
This Optima Health Insurance Review will cover Optima Health Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 1, 2023
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Optima Health Insurance is a Virginia-based health insurance company that provides a comprehensive range of products and services to individuals, families, and employers.
With a strong focus on customer satisfaction, Optima Health Insurance has gained a reputation for providing high-quality healthcare coverage at competitive prices.
- Provides a wide range of health insurance products and services
- Offers competitive pricing and flexible plan options
- Has a strong network of healthcare providers across the US
In this review, we will examine the company’s history, products and services, pricing, and customer reviews to help you make an informed decision.
History and Mission: Optima Health Insurance
Optima Health Insurance was originally founded in 1984 as Sentara Health Plans, a subsidiary of Sentara Healthcare, which is based in Norfolk, Virginia. Sentara Healthcare is a not-for-profit health system that operates hospitals, medical centers, and healthcare clinics throughout Virginia and North Carolina.
Today, Optima Health Insurance provides a range of health insurance products and services to individuals, families, and employers across Virginia, North Carolina, and Maryland. The company’s mission is to provide affordable and accessible healthcare coverage to all individuals and families.
Optima Health Insurance strives to achieve its mission through innovation, collaboration, and a strong focus on customer satisfaction. The company is committed to working closely with healthcare providers to ensure that its customers receive high-quality care at an affordable cost.
Additionally, Optima Health Insurance is dedicated to promoting health and wellness among its customers through a variety of wellness programs and initiatives.
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States Where Optima Health Offers Insurance
Optima Health Insurance is a health insurance company that primarily operates in the states of Virginia, North Carolina, and Maryland. Here is a brief overview of the states where Optima Health Insurance offers insurance:
- Virginia: Optima Health Insurance is based in Virginia and offers a range of health insurance products and services to individuals, families, and employers throughout the state. This includes plans for medical, dental, and vision coverage, as well as Medicare Advantage and Medicare Supplement plans.
- North Carolina: Optima Health Insurance also offers health insurance products and services to customers in North Carolina. This includes plans for medical, dental, and vision coverage, as well as Medicaid plans for eligible individuals and families.
- Maryland: Optima Health Insurance provides health insurance coverage to customers in Maryland, with a focus on the Baltimore area. This includes individual and family plans, as well as Medicare Advantage plans, and employer-sponsored plans.
Overall, Optima Health Insurance has a strong presence in the Mid-Atlantic region of the United States, with a focus on providing high-quality, affordable healthcare coverage to customers in Virginia, North Carolina, and Maryland. Customers in these states can explore the company’s products and services to find a plan that meets their unique healthcare needs.
Products and Services Offered by Optima Health Insurance
Optima Health Insurance offers a wide range of health insurance products and services to individuals, families, and employers across Virginia, North Carolina, and Maryland. Here is a brief overview of the company’s main products and services:
Individual and family plans: Optima Health Insurance offers a range of individual and family health insurance plans that provide comprehensive coverage for medical, dental, and vision benefits. These plans include options for both low and high-deductible plans, as well as Health Savings Account (HSA) compatible plans.
Medicare plans: Optima Health Insurance offers a variety of Medicare plans, including Medicare Advantage plans and Medicare Supplement plans. These plans provide additional coverage and benefits beyond traditional Medicare.
Employer-sponsored plans: Optima Health Insurance works with employers to provide customized healthcare coverage to their employees. These plans can be tailored to meet the unique needs of each employer and can include options for medical, dental, and vision benefits.
Medicaid plans: Optima Health Insurance offers Medicaid plans in Virginia and North Carolina. These plans provide comprehensive coverage for eligible individuals and families.
In addition to these core products, Optima Health Insurance offers a variety of additional services and benefits to its customers. These include:
- Wellness programs: Optima Health Insurance provides a range of wellness programs and services to help customers stay healthy and prevent illness. These programs may include weight loss programs, smoking cessation programs, and fitness programs.
- Telehealth services: Optima Health Insurance offers telehealth services that allow customers to connect with healthcare providers via phone or video chat. This can be especially helpful for customers who live in remote areas or have difficulty traveling to a healthcare provider.
- Prescription drug coverage: Optima Health Insurance provides coverage for prescription drugs, including both generic and brand-name drugs.
Overall, Optima Health Insurance offers a comprehensive range of health insurance products and services that can meet the needs of individuals, families, and employers. With a focus on customer satisfaction and affordable pricing, Optima Health Insurance is a strong option for anyone looking for high-quality healthcare coverage.
Cost of Insurance With Optima Health
The cost of Optima Health Insurance’s products and services can vary depending on a variety of factors, including the type of plan, the level of coverage, and the location of the customer. Here is a brief overview of some of the factors that can affect the cost of insurance with Optima Health Insurance:
- Type of plan: The cost of insurance can vary depending on the type of plan that a customer selects. For example, a high-deductible plan may have lower monthly premiums but higher out-of-pocket costs, while a low-deductible plan may have higher monthly premiums but lower out-of-pocket costs.
- Level of coverage: The level of coverage that a customer selects can also impact the cost of insurance. Plans with more comprehensive coverage, such as those that include dental and vision benefits, may be more expensive than plans with more limited coverage.
- Location: The cost of insurance can also vary depending on the location of the customer. Optima Health Insurance’s products and services are available in Virginia, North Carolina, and Maryland, and the cost of insurance can vary depending on the healthcare market in each of these states.
Overall, Optima Health Insurance strives to offer affordable and competitive pricing for its products and services. The company is committed to working closely with customers to help them find a plan that meets their needs and fits within their budget.
Customers can contact Optima Health Insurance directly or work with a licensed insurance agent to learn more about the cost of insurance and explore their options.
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Coverage Discounts at Optima Health Insurance
Optima Health Insurance offers several discounts to help customers save money on their health insurance premiums. Here is an overview of the different types of discounts available to customers:
- Healthy living discounts: Optima Health Insurance offers discounts to customers who participate in healthy living activities, such as completing an annual wellness exam or participating in a fitness program. These discounts can vary depending on the plan and the activity.
- Multi-policy discounts: Customers who have multiple insurance policies with Optima Health Insurance, such as a health insurance plan and a dental insurance plan, may be eligible for a multi-policy discount. This discount can help customers save money on their premiums.
- Family discounts: Optima Health Insurance also offers discounts for families who enroll multiple members in a health insurance plan. These discounts can vary depending on the number of family members enrolled.
- Employer-sponsored discounts: Customers who receive health insurance coverage through their employer may be eligible for discounts or other cost-sharing arrangements. These discounts can vary depending on the employer and the specific plan.
- Government program discounts: Optima Health Insurance offers discounts for customers who qualify for certain government programs, such as Medicaid or the Children’s Health Insurance Program (CHIP).
Overall, Optima Health Insurance offers a range of discounts to help customers save money on their health insurance premiums. Customers can contact the company directly or work with a licensed insurance agent to learn more about the discounts that may be available to them and how they can qualify.
Customer Feedback for Optima Health Insurance
Optima Health Insurance has received mixed reviews from customers. Here is an overview of some of the customer reviews for Optima Health Insurance:
Positive Reviews:
- Quality of care: Many customers have praised Optima Health Insurance for its quality of care. Some customers have noted that they have been able to access a wide range of healthcare services and have received high-quality care from healthcare providers in their network.
- Customer service: Optima Health Insurance has also received positive reviews for its customer service. Customers have noted that representatives have been responsive and helpful in resolving issues or answering questions about their policies.
Negative Reviews:
- Cost of premiums: Some customers have expressed frustration with the cost of premiums for Optima Health Insurance. Some customers have noted that premiums have increased significantly from year to year, making it difficult to afford coverage.
- Complexity of plans: Optima Health Insurance has also received negative reviews for the complexity of its plans. Some customers have noted that it can be difficult to understand the terms and conditions of their policies and that they have had difficulty navigating the company’s website and customer service system.
Overall, Optima Health Insurance has received mixed reviews from customers. While the company has received praise for its quality of care and customer service, some customers have expressed frustration with the cost of premiums and the complexity of the company’s plans.
Customers who are considering Optima Health Insurance should carefully review the company’s products and services and consider their options carefully before enrolling.
In Summary: Optima Health Insurance
In conclusion, Optima Health Insurance is a health insurance company that offers a range of products and services to customers in Virginia, North Carolina, and Maryland.
The company has a strong reputation for the quality of care and customer service but has received mixed reviews from customers in terms of cost and plan complexity.
Optima Health Insurance offers a range of discounts to help customers save money on their premiums, and customers in the Mid-Atlantic region of the United States can explore the company’s products and services to find a plan that meets their unique healthcare needs.
Overall, customers should carefully review Optima Health Insurance’s products, services, and customer reviews before enrolling in a plan.