Tuesday, October 25, 2016

Choices for health care depends on where you live

Best health insurance services and facilities in your city (Health)
How do you know which one to choose? In the northeast of America there are a number of health Insurance companies to choose from. Here they are from worst to best. Blue Cross  & Blue Shield of Rhode Island,
AultCare Insurance Company
 Anthem Health Plans, Inc. dba Anthem Blue Cross & Blue Shield-Connecticut
 Anthem Health  Plans of New Hampshire, Inc. d/b/a Anthem Blue Cross and Blue Shield in New Hampshire
 Anthem Health Plans of Maine, Inc. dba Anthem Blue Cross and Blue Shield in Maine
 UPMC Health Plan, Inc.
 UPMC Health Coverage, Inc.
 UPMC Benefit Management Services, Inc.
 Tufts Benefit Administrators Inc.
 Tufts Associated Health Maintenance Organization, Inc.
Martin’s Point US Family Health Plan (ME)
Kaiser Foundation Health Plan Inc. Northern California
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Johns Hopkins US Family Health Plan
Capital Health Plan, Inc.
Capital District Physician’s Healthcare Network, Inc. (CDPHN)
Capital District Physician’s Health Plan Inc. (CDPHP)
Blue Cross and Blue Shield of Massachusetts HMO Blue Inc.
What determines a good health care plan from a not so good one is your individual health needs and if any company can provide you with your wishes. Perhaps you want a plan that starts at 0$ premiums. Some policies are under $50 per month. Everyone’s needs vary so much that there is no best plan for everyone. How much choice you have in picking one of these providers can vary just because you do or don’t live in a geographical area.
Generally, if you live in a big city there will be many providers competing for your business. If you live in a rural area there might be just one health care provider to get any insurance.  If you wish to spend the time in comparing all sorts of plans, J.D. Power and Associates offer a 2015 New Member Health Plan Study. Thy rank several providers by United States region. Blue Cross and Blue Shield ranked at the top of the ratings. Another good source to compare plans by your region and needs is to look at Consumer Reports.  The publication obtains Data from the National Committee for   Quality Assurance. You can search for plans in your area by selecting plan type such as HMO, PPO, Medicare or Medicaid and your state.
HMO is a Health Management Organization that has a network of doctors and specialists that are all part of the organization. It is a good provider but if   you wish to go to your own doctor or specialist that is not part of the HMO, you will probably have to pay all costs out of your pocket and that can be very expensive. Cost management is the main goal with going with an HMO.  
PPO is a Preferred Provider Organization that gives you more choices if you decide to pick a doctor or specialist out of your PPO. At least half of your costs for your hand  picked  professional will be paid for.

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