Health Insurance – Tips on Finding the Best Health Plan for Your Family


Health insurance has always been a tough topic on families. And the topic has always been associated with towering costs, especially with unemployment threatening every sphere of the employment world. The families that used to have health coverage are no longer as fortunate as some companies shut down or cut costs and start cutting employee incentives. In the face of such a challenge, how can families ensure their health without driving their savings down?

This is just one example of just how important health insurance is, and how endangered it is for a lot of families in the US. Fortunately, there are some good health plans that offer favourable packages at prices that most families can afford. Are you looking for health plans for the family? And wondering what type you need – an individual health insurance plan or maybe a full coverage family plan ?

At healthinsuranceandlife.com we do just that : We help you sort the options out there.

For you to find the best plans to fit your insurance needs.

Here are some of what are considered as the best commercial health plans offered in the country.

Top Commercial Health Insurance Plans in the Country

  • CIGNA HealthCare
  • Capital Health Plan HMO
  • Harvard Pilgrim Health Care

1. CIGNA HealthCare

CIGNA HealthCare is doing particularly well, offering families an easy and quick access to medical care, with focus on preventive care, when they need it. Such care is provided by accommodating physicians that perform well and communicate closely with patients – a trademark of the CIGNA network. All processes, such as processing claims and seeking customer support, are all smooth.

CIGNA also offers benefits for both the prevention and treatment of medical conditions to give members a total health and wellness advantage. The company offers well-child and well-care visits for kids and adolescents. Mothers can enjoy prenatal checkups and postpartum care as part of the package. Family members also get cancer screening and early immunizations. Special benefits for the treatment of certain acute medical conditions such as asthma, diabetes, heart diseases, mental and behavioural health conditions, and so on are all covered.

2. Capital Health Plan HMO

Capital Health Plan is really one of the best you can find in the industry. The NCQA-accredited health plan provider gets pretty good ratings and reviews. Capital Health makes sure it is by your side every step of the way by providing a package consisting of diverse medical procedures that can meet various needs. The company offers health coverage as well as health education classes to cover both treatment and prevention of health problems. There are also special programs for those who are expecting a new addition to the family as well as checkup plans for children. Seniors over the age of 65 can also ensure their brain fitness with Capital Health’s special brain fitness program, made possible by a partnership with Posit Science.

The Capital Health Plan has been ranked as one of the country’s top 5 commercial and medical health plans, according to US News and World Report. The CHP was also rated as the top health plan in Florida, according to actual members who benefit greatly from the excellent offers of the plan.

3. Harvard Pilgrim Health Care

Another excellent source of high-quality PPO plans, HMO plans, and POS plans is Harvard Pilgrim Health Care. The company offers plans for individuals and employers. They offer HMOs that are available to anyone in Massachusetts, Maine, and New Hampshire plus a special HealthFirst HMO for smaller companies. Aside from the traditional PPO and POS plans, Harvard Pilgrim also offers special benefits Best Buy plans.

Harvard Pilgrim Health Care also provides several other beneficial and unique products, such as the Best Buy HSA PPO or Health Savings account, the Pulse Plan or a special plan for those between 18 and 26 years old, the First Seniority Freedom 2010 or a private fee for service health plan for people on Medicare plans, and the student insurance plans that can be availed of from universities and colleges.

Picking the Right Health Insurance Plan

If you don’t have a single clue as to how to choose the right health insurance plan, there are many simple steps you need to take. First, make a survey of what is being offered in the field. Basically you’ll end up with a list of HMOs, PPOs, and POS plans. Determine which plans are most attuned to your needs. Next, calculate the amount of coverage you think you need based on your current condition and other factors. Consider how this translates to final costs. It is important to compare the coverage to the cost to make sure you are paying right for the right health insurance coverage.

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