Who has the best rates for California medical insurance? This question gets asked all the time! While you should never buy insurance based on price alone this article will break down who has the most completive rates in California.
First of all let’s start off with the lowest rates. Anthem Blue Cross by far has the cheapest priced plans in California. But they also have some of the most expensive. Anthem offers more plans to California residents that any other insurance company. HMO’s, PPO’s and HSA plans are all available from Anthem. With a wide variety of plans and coverage Anthem has something for every budget.
Next on the list is Blue Shield of California. Blue Shield also has some great rates. They also offer HMO’s, PPO’s and HSA plans with a wide variety of deductibles, co-insurances, office visits options, preventive care coverage and prescription benefits. While Shield offers great benefits on most plans the co-insurance clause on some plans are slightly lower that other carriers, because of this difference their rates are pretty competitive.
Aetna also offers great rates and coverage all together. While typically Aetna’s rates are slightly higher than the Blue’s companies they definitely offer the best coverage of the three. All of Aetna’s plans come with first dollar preventive care benefits. They also have a number of deductibles, co-insurances, office visits options, preventive care coverage and prescription benefits. Aetna a nationwide company offering only PPO and HSA’s on the individual market gives you the most bang for your buck!
Rounding out are list would be Health Net, Kaiser and PacifiCare. While all of these companies offer great coverage and number of different plans option’s their rates tend to be much higher. When seeking new coverage the easiest way to find out what company fits your need best is by contacting an independent broker from California who specializes in California Medical Insurance. They can help you narrow your search down and verify what plans are accepted by the hospitals and doctors in your area.
