When looking for health insurance policies, it is advisable to shop from the best health insurance companies in New York. Such companies offer competitive rates, comprehensive coverage benefits, more provider choices, and have higher customer ratings, thanks to their first-class quality services.
But it can be hard to determine the best company because we all have unique health insurance needs. As such, the ideal insurance company will depend on your health insurance needs and budget, among other factors. To help you select the right company for your needs, we’ve highlighted some of the best health insurers in New York below;
1. Capital District Physicians Health Plan, Inc.
CDPHP is a non-profit insurance company created in 1984 to help members lead a healthy lifestyle. Capital District Physicians Health Plan, Inc. is based in Albany, NY, and has an extended network with its members enjoying access to over 10,000 providers and some top physicians throughout the country.
Members have diverse health insurance plans to choose from, including HMO, PPO, EPO, and POS. In addition, the company offers its plans to individuals and groups and covers medicare, child health, and Medicaid.
2. Independent Health Association, Inc.
Founded in 1980 in New York, Independent Health remains to be one of the best health insurance companies in New York and beyond. Initially, Independent Health provided insurance products to Western New York residents only. Today, however, the company serves customers from over 35 states, with approximately 356, 000 members countrywide.
Independent Health provides its members with a wide variety of health insurance plans, including HMO, EPO, PPO, and POS. The company also offers indemnity, dental, Medicaid, and Medicare Advantage plans.
Unlike most health insurance companies, Independent Health has several special programs for its members, including; Nutrition benefit, Health Extras benefit, Health Educations Programs, and Weight Loss Programs.
3. Excellus Blue Cross Blue Shield
Excellus Blue Cross Blue Shield is believed to be the largest non-profit health insurance company in New York. Founded in 1996, the company has over 1.6 million members in over 30 counties in upstate New York.
The company offers various insurance plans to its members, including PPO, HMO, and other low-cost health plans for businesses, families, and individuals. Additionally, the insurance firm has Medicare, managed care, and dental health plans for its members.
Mohawk Valley Physicians (MVP) is a health insurance company established in 1986. The company is situated in Schenectady NY and offers insurance plans to residents of New York, New Hampshire, and Vermont.
The company has an extensive network of about 500, 000 doctors spread throughout New York. The majority of these providers are based in Northern New York, but the company has been growing its networks to the southern part of New York, such as Rockland, Putnam, and Westchester counties.
MVP offers several plan options, including HMO, EPO, PPO, and high deductible health plans to individuals, groups, and small businesses. The good thing about MVP is that it has no minimum requirements to enroll. Besides, subscribers who become sick while outside of New York can still access its national MVP services through Cigna PPO.
5. Univera Healthcare
Univera Healthcare is a non-profit health insurance firm based in Western New York. The company offers health insurance coverage to businesses, families, and individuals from the eight counties of Western New York.
Univera Healthcare has various health plans for its 200,000+ members, including HMO, and PPO.
The health insurance firm treats its members with uttermost care, giving them various incentives, rewards, and healthy lifestyle programs, including; exercise rewards, smoking cessation programs, nutrition programs and dental Rewards.
EmblemHealth is a merger of 2 top New York insurance companies namely Group Health Incorporated and Health Insurance Plan of New York that came together in 2005. The company has plans that cater to big business with over 100 employees as well as small groups of less than 100 members.
The company boasts of highly competitive prices, which makes it an attractive option even for small income earners. Besides, it has several network plans that cover areas beyond New York.
Some of the networks include the Prime Network for employees in New York ,which offers access to not less than 130, 000 providers in the tri-state region. ConnectiCare Network for members which is based in Connecticut, and the QualCare Network that caters to members in New Jersey.
EmblemHealth health plans consist of EPO and PPO plans that members can access nationally through FirstHealth.
Aetna is among the best health insurance companies in New York, with its headquarters in Hartford, CT, which is part of the metropolitan New York City. The company was founded in 1853 and has an extensive network of health care providers nationally.
With more than 1 million health care professionals, and at least 5, 700 facilities, Aetna is ranked the second biggest health care network just behind United Health care. Its large network of healthcare providers and facilities enables it to serve about 22 million members across the country.
The company is popular for a number of health plans such as PPO, POS, EPO, HMO, and HDHP plans. Aetna also provides Accident, Critical illness, Medicare, and Hospital Indemnity plan.
8. Empire Blue Cross Blue Shield
Empire blue state is among the leading and best health insurance companies in New York with a network of over 85,000 doctors and about 160 hospitals. The company was created in 1934 and provides services to individuals and businesses of all sizes. This firm offers insurance services such as dental, group disability, Medicare, and dental, among others.
Individuals based outside New York can still benefit from the Empire blue state doctors and hospitals based across the country, thanks to its BlueCard. BlueCard electronic network is one of the leading PPO networks in the country with access to over 96% of member doctors and 95% physicians.
Some of the health plans provided by Empire blue state are CDHP, EPO, PPO, HMO, and HAS plans. One main benefit of these plans is that subscribers can use them anywhere in the country without referrals.
Cigna came into existence in 1982 after the merging of two insurance companies; Insurance Company of North America and the Connecticut General Life Insurance Company.
Thanks to its extensive network of doctors and medical centers, Cigna is regarded as one of the best health insurance companies in New York alongside Oxford and Aetna. Its subscribers stand at over 90 million and are distributed in more than 30 countries worldwide.
The company’s headquarters is based in Philadelphia and offers PPO, HMO, and HAS plans to individuals and organizations in the US and the world over. Besides, it provides insurance services like group disability, dental and vision care, and group life insurance.
Cigna provides group benefits to businesses of all sizes. However, to be eligible for these benefits, a business must have at least 51 eligible employees while those based in New York require a minimum of 100.
10. Oxford Health Plans
Oxford is a constituent of the UnitedHealthcare Company. It offers health plans to small businesses having at least two employees and big businesses with more than 100 employees.
The company provides 3 plans based on its networks. They include; The Liberty Network, The Freedom Network, and the Oxford Metro Network plan. Under these networks, the company offers various health plans such as EPO, PPO, HMO, and HAS. There are also additional health plans for small businesses, with the most common being the ‘Zero Deductible Plans’
Subscribers get access to doctors and hospitals situated in the downstate region of New York.
With the choices above, finding the best health insurer in New York should not be a hassle. The above list contains top-rated insurance companies with some of the best health plans and extensive coverage of doctors and hospitals in New York.