The Best Comprehensive Healthcare Providers (2022)

Comprehensive healthcare providers not only help cover the medical bills and costs but also offer additional benefits for their policyholders and their respective families.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 23, 2022

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The Rundown

  • Emergency medical procedures can cost a fortune if you are uninsured
  • Healthcare insurance companies provide comprehensive policies that can help cover the medical costs in situations like an unexpected illness or any medical emergency
  • There are several popular comprehensive healthcare companies that offer policies for medical coverage, along with additional benefits to the policyholder and their family

Working hard to achieve your goals is more feasible when you are physically and mentally fit. However, though you may take efforts to maintain your health, you cannot always account for unexpected situations and emergencies. And it can be difficult to arrange for hefty healthcare expenses in such cases. This is when comprehensive healthcare companies can provide the help you need.

Health insurance companies offer a high level of coverage in case you are diagnosed with an unexpected illness and their comprehensive policies help defray medical costs to a great extent. There are several reputable comprehensive healthcare service companies throughout the country, although the availability and access of health insurance and  coverage options differs from state to state.

Here, we examine the most popular healthcare providers in 2022, the policies they offer, as well as their pros and cons, and their additional features.

Understanding Comprehensive Healthcare Insurance

In the event of a medical emergency, health insurance allows you to budget your medical expenses so that you do not have to cover the entire amount out of pocket. When you purchase a comprehensive health insurance policy, you are expected to pay a fixed monthly/annual amount for the duration of the policy to claim insurance coverage for which the insurer pays for your medical expenses.

What does health insurance cover?

Typically, health insurance covers the cost of prescription, medical, and surgical services. Health insurance also pays for preventative care, such as vaccines and wellness checkups. The cost of prescription drugs and medical devices can also be covered under health insurance. However, health insurance does not cover beauty treatments or elective surgical procedures.

How much does health insurance cost?

Health insurance plan costs can vary depending on various factors including, but not limited to, your health, the geographical region in which you live, the deductible amount, and your coverage requirements. You are required to pay a fixed rate each month or year, whether or not you visit the doctor.

Policies that provide lower deductibles require you to pay a higher rate but, in turn, let you pay less up front. Some policies require you to pay more every month, rather than paying for a high deductible all at once.

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Best Comprehensive Healthcare Providers in 2022

Now that you have an idea about health insurance, its coverage, and its cost, let us consider some of the best comprehensive healthcare insurance companies nationwide.

Best Health Savings Plan Options – Kaiser Permanente

Kaiser Permanente is one of the most popular and trusted names in the comprehensive health insurance sector. Their network includes more than 23,000 participating physicians. Private health insurance through Kaiser Permanente is available for residents of the following states:

  • California
  • Colorado
  • Georgia
  • Hawaii
  • Maryland
  • Oregon
  • Virginia
  • Washington
  • Washington, D.C.

Pros

Kaiser Permanente offers centralized collaboration among medical professionals of all specialties, which in turn speeds up the diagnosis and coordination of treatment. They also have a remote monitoring technology that allows the doctors to track diabetes and hypertension among the patients year round. And adult members gain free access to mental health and emotional wellness apps, including Calm and myStrength.

Kaiser also offers a variety of health savings account options and health plans and is known to have high quality customer service.

Cons

The company’s coverage area is limited throughout the state. And members must select medical care through doctors and specialists that are a part of the Kaiser Permanente network.

Additional Features

Members residing in any of the coverage areas have access to several plan options like bronze, silver, gold, and platinum. Some of these plans also have an option to add a health savings account (HSA). The high deductible plans have the HSA option.

The tax-free contributions can be used to cover expenses like prescriptions, primary and specialty care visits, doctor and hospital visits, lab tests, X-rays, ambulance, emergency care services, occupational and physical therapy, and vision and dental care. The HSA balance is transferable, and the account comes with a debit card.

Best Employee-Based Plans – Aetna

As a life insurance company, Aetna was founded in 1853 and is one of the country’s largest healthcare insurers today. Aetna is known for offering group plans like employer, Medicare, Medicaid, and student plans. The coverage is available in all 50 states.

Pros

There are several benefits to having an Aetna insurance plan, including the ability for patients to have their healthcare needs met at walk-in clinics in some states. This company also offers numerous wellness programs, including Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and several other plans with HSA and stop-loss.

Some plans also offer a discount of 20% on CVS brand healthcare products.

Cons

Unfortunately, there are some disadvantages of an Aetna plan as well. For instance, its claims process requires a referral letter from the practitioner for certain services, and some plans do not cover healthcare service companies outside of their network.

In addition, individual Affordable Care Act (ACA) plans are only available in four states.

Additional Features

Members have access to HSA plans, which are available for high deductible plans. Aetna has a large network that allows members to find company-approved agents in every part of the country. The network plan option allows its members to visit an in-network doctor that provides additional savings or even a licensed physician. The wellness programs include gym memberships, weight-loss programs, health coaching, and several other options.

Best Tele-Healthcare – Cigna

Cigna is a global health insurance company, insuring 17 million medical customers globally. It offers private health insurance in 13 states, including:

  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Kansas
  • Mississippi
  • Missouri
  • North Carolina
  • Pennsylvania
  • Tennessee
  • Utah
  • Virginia

This company is popular for providing excellent telehealth services to its members.

Pros

Fortunately, there are some excellent advantages to owning a Cigna insurance plan. For example, it has more than 67,000 contracted pharmacies and more than 1,75,000 mental and behavioral healthcare providers in its network. 

Cigna also offers over 1.5 million relationships with global healthcare service providers, facilities, and clinics. And the company provides out-of-network care without the need for referrals.

Cons

Despite the company’s benefits, there are also some disadvantages to consider. For instance, its coverage area is limited as its individual and family health care insurance plans are only available in 13 states. In addition, virtual and telehealth care is not available for all plans.

Additional Features

The plan options, deductibles, and co-pay options vary from state to state. Policyholders can keep track of and search for plan network doctors, estimate costs, and claims status. They can also obtain their insurance IDs online. There are several other benefits for members like access to a home delivery pharmacy, a health information helpline, flu shot information, and rewards programs. The Cigna Telehealth Connection program allows access to board certified telehealth providers like Amwell and MDLIVE.

Best Large Provider Network – Blue Cross Blue Shield Association

Blue Cross Blue Shield (BCBS) provides private health insurance in the United States and in over 170 countries. BCBS has 35 independent locally operated health insurance companies in the U.S., which include some of the largest health care insurers.

Pros

Blue Cross Blue Shield offers coverage in all 50 states, including Washington, D.C. and Puerto Rico with healthcare companies in every state that accept its plans. And they have several policy options and plans irrespective of how much coverage you want.

In addition, their network includes over 1.7 million doctors and hospitals.

Cons

Despite this company’s perks, the 35 independent companies of BCBS have different policies and procedures. Furthermore, the BCBS insurer can change if you move from one state to another.

Additional Features

The Blue Cross Blue Shield plans offer access to HSA and flexible spending accounts (FSAs). The FSA plan allows you to save money tax-free for health insurers’ deductibles and other health-related expenses. The HSA plan is similar but is only for high deductible plans. In contrast, the HMO plan offers great savings but restricts the doctors’ choices to only inside the HMO.

Best Online Care – UnitedHealthcare, Inc.

UnitedHealthcare (UHC) offers individual insurance that meets the requirements of the Affordable Care Act (ACA) for essential care. UHC is known for its online health care services.

Pros

This company has a network of more than 1.1 million physicians and healthcare workers and over 3,000 hospitals. Their wellness programs include online weight loss support with rewards to reach your goals.

In addition, their global services offer health coverage for expatriates.

Cons

Certain wellness programs are only offered for employer-sponsored plans. In some cases, the claims may have to be submitted by the patient.

Additional Features

UHC members have access to online care, including ordering prescriptions online, speaking with a nurse via hotline, and online wellness information. The online services are available for members 24/7. They also have a mobile app to use on the go. Members can avail of discounts for various health-related products and services like hearing aids, vision services, and smoking cessation programs.

Choosing the Best Comprehensive Healthcare Insurance Company

Comprehensive healthcare insurance provides you with a more extensive service than regular health insurance. Many companies offer comprehensive insurance. While choosing one, remember to select a plan that is available in the area where you reside.

Have a clear idea of your priorities and needs, and then choose an insurance company accordingly. Take your time and do your research to find a plan that will cater to your needs. To procure an expert’s opinion, compare comprehensive life insurance quotes on our website.

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