Top 8 Health Insurance Carriers in Texas

If you live in Texas and are looking for health insurance, you'll be dealing with the problem of plenty. That is because there is no dearth of health insurers in this state. So, how are you going to zero in on any one of them? You first have to identify your requirements and see which health insurance provider is going to fulfill a majority and if possible all of them. After this, if an insurance carrier has certain features that are hard to overlook and if they are tending to most of your health needs, opting for such a health insurance company will not be ill-advised.

Below, we have shed light on the top 8 health insurance carriers in Texas. Towards the end of the blog there is an interesting infographic as well, don't forget to give a look at it

Cigna

Cigna is one of the biggest and oldest health insurers in the country. The company is presently offering 24/7 telehealth facility to its policyholders who can consult doctors anytime.

To its credit, Cigna has plenty of special needs plans, offering dual-eligible Special Needs Plans to those who are eligible for Medicare and Medicaid. And unlike many other insurers, it also has Chronic Special Needs Plans and Institutional Special Needs Plans.

This health insurance carrier offers solid support to those with complex needs and many of Cigna's member services can be found online or on the app that the organization owns. You can use either to find ID cards, claim-related information, policy details, etc.

Amerigroup

Amerigroup will seem like a better option if you are looking for a health insurer with more plan options. Also, Amerigroup has the backing of one of the biggest health insurers in the country, which adds to its financial strength although on its own too, it has managed to get high financial ratings.

The coverage limit, deductible, maximum annual benefit, and waiting period will depend on the plan that you choose. In these COVID times, Amerigroup is readily offering the telehealth facility and you can manage your policy online or over the phone.

The company is focused on public insurance programs such as Medicare and Medicaid and those that states launch themselves. Amerigroup's specialization in public programs makes it an experienced insurer and highlights its concern for those who are eligible for public insurance.

Humana

Humana along with Aetna is a leading provider of Medicare Advantage, Medicare Part D prescription drug, and Medicare Supplement Insurance plans (also known as Medigap). Both the health insurers can provide you with the two most popular Medicare Advantage plans viz. PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization). Both Aetna and Humana deal in Medicare Advantage Special Needs Plans (SNP) but it's only Humana that has Special Needs Plans for those with serious health problems.

The two health insurers have three separate Medicare Part D plans that allow buyers to pay premiums and deductibles as per their means and the options are low, medium, and high. And both the companies are tied up with renowned pharmacy chains such as Walmart, Walgreens, etc.

In Texas, you'll find 10 standardized Medicare Supplement Insurance plans out of which seven belong to Aetna and eight to Humana.

Aetna

If you qualify for Medicare, Aetna shall be an apt health insurance provider for you. Aetna is not associated with private plans. This health insurer is more renowned for government-funded Medicaid and Medicare plans and group, student, and international insurance.

If you are eligible for Medicare, you can get free coverage for Medicare Part A from Aetna that may also exempt you from paying anything as deductible in some of the plans. However, you will have to bear the cost of Medicare Part B that includes things such as ambulance ride and preventative care.

The coverage limit will depend on the specific policy that you choose. For instance, the annual maximum benefit is $15000 and $25000 respectively for Level 1 and Level 2 PPO plan of Aetna. And for different services and treatments, there are individual limits too.

Blue Cross Blue Shield of Texas

If a private health plan is what you want, Blue Cross Blue Shield of Texas may prove to be the right choice. This health insurance carrier has an assortment of policies whose deductibles and coverage limits vary. You can easily get dental and vision insurance from Blue Cross.

In the case of dental plans in particular, Blue Cross offers more alternatives to policy seekers and while the deductibles are lower, the annual maximum benefits are higher. The plans are categorized as gold, silver, and bronze.

On a Blue Cross app, you can search for doctors, download your ID cards, view your policy information, access your claims, etc. Enrollment in a plan is allowed during the annual open enrollment period and exceptional cases include child birth, marriage, job loss, divorce, or relocation.

United Health Care

UnitedHealthcare is considered the market leader where health insurance in the United States is concerned and has the biggest network of physicians and medical experts. The Medicare offerings of the company are really impressive characterized as they are by an extensive range of options. UnitedHealthcare allows its policyholders to benefit from its app, online tools, and telehealth options and has extra benefit programs too.

As you approach this health insurer, chances are you will be recommended plan options that may perfectly serve your needs. House calls and virtual visits happen to be the complementary features of some of the plans.

UnitedHealthcare enjoys the distinction of being the only health insurer to have a tie-up with AARP and its plans are highly rated.

GPM

GPM Health and Life Insurance Company is keen on providing individuals and families with the right coverage. The company believes in letting policyholders attain their goals through its quality products, proper counseling, and useful customer service.

GPM takes note of the unique needs of a prospective policyholder and recommends a plan accordingly. You can certainly expect to get the right healthcare coverage from this health insurance carrier.

Mutual of Omaha

You'll probably choose Mutual of Omaha if you are looking for a health insurance provider whose information is easy to follow. You will be allowed to get your coverage and quotes online, over the phone, or via an agent. One of the specialties of Mutual of Omaha medical policies is that tobacco consumption, which is known to have a bearing on term plan rates, may not impact your entire life coverage.

The health plans of Mutual of Omaha are rife with benefits and riders such as accelerated death, accidental death, disability income, premium waiver, etc. Also, there are plenty of options for seniors. For instance, term life coverage ends at the age of 95 and can be renewed every year.

Conclusion

So now that you have come to know about the best insurance carriers in Texas, you can make an informed choice. If you have little time and need to decide fast, old and established names such as Cigna and UnitedHealthcare can be counted on. Or else, as we mentioned earlier, you can do a proper comparison, consider your specific requirements as well as the USPs of the various insurers, and then select any one company that will anyway be one of the best insurance service providers in San Antonio, Texas.