Top 5 Best Health Insurance Plans in NC – 2021 Review Guide
Picking the right health insurance plan is the first step towards ensuring adequate medical coverage for you and your loved ones. However, with an array of options available, choosing the ideal plan among the best health insurance plans in NC may seem overwhelming.
To simplify the process, we have compiled a list of the top 5 best health insurance plans in NC for 2021. In this review guide, we will discuss the key features, benefits, limitations, and costs of each plan to help you make an informed decision.
1. Blue Cross and Blue Shield of North Carolina (BCBSNC)
BCBSNC is one of the most popular health insurance providers in North Carolina, with a range of plans to choose from. They offer both individual and family policies, providing coverage for inpatient and outpatient hospital care, laboratory tests, prescription medications, emergency and urgent care, preventive services, and mental health services.
The rates for BCBSNC health insurance plans vary depending on various factors, including age, health status, and location.
2. Aetna Health Insurance
Aetna Health Insurance offers a range of individual and family policies, including health maintenance organizations (HMOs), preferred provider organizations (PPOs), and exclusive provider organizations (EPOs). They cover a wide array of services, including hospitalization, emergency care, diagnostic tests, and prescription medications.
One of the significant benefits of Aetna’s health insurance plans is their broad network of healthcare providers. Additionally, they offer wellness programs and discounts on alternative health services.
3. Cigna Health Insurance
Cigna Health Insurance provides a range of health insurance policies for individuals, families, and employers. They offer HMOs, PPOs, and high-deductible health plans (HDHPs) with health savings accounts (HSAs).
Cigna health insurance covers inpatient and outpatient hospital care, specialist visits, and preventive services. Moreover, they offer telemedicine services, enabling members to consult with a doctor online.
4. United Healthcare
United Healthcare is a well-known health insurance provider that offers individual and family policies, as well as employer-sponsored plans. They offer HMOs, PPOs, and EPOs, with coverage for inpatient and outpatient hospital care, preventive services, prescription medications, and mental health services.
The unique feature of United Healthcare’s health insurance plans is their wellness program, which rewards members for engaging in healthy behaviors.
5. Ambetter
Ambetter is a health insurance provider that offers individual and family policies in North Carolina. They offer multiple plans, such as HMOs and PPOs, with coverage for hospitalization, prescription medications, laboratory tests, and preventive services.
One of the significant benefits of Ambetter’s health insurance plans is their emphasis on preventive care. They offer preventive services at no additional cost and provide incentives for members who complete wellness programs.
Conclusion
Choosing the right health insurance plan can be a daunting task, but with this review guide, we hope that we have made the process easier for you. The top 5 best health insurance plans in NC for 2021 are BCBSNC, Aetna Health Insurance, Cigna Health Insurance, United Healthcare, and Ambetter.
Each of these health insurance providers offers unique features, benefits, and limitations. Therefore, it’s crucial to compare and contrast the plans’ features and costs to select the best health insurance plan that meets your specific needs.
