哪些是最好的健康保險提供者？
哪些是最好的健康保險提供者？
 Unfortunately, as a 30 year veteran of the health insurance industry I have to tell you there is no objective measure or rating that the consumer can refer to in attempting to answer the question "Which Are The Best Health Insurance Providers?". The herd has been thinned out considerably amongst health insurance carriers over the last 20 years and so you have your big national players life AETNA, Assurant, CIGNA, Humana, United Healthcare, WellPoint, state based Blue Cross/BlueShield plans and then more regionally based carriers like Kaiser. To be blunt, insurance carriers have become more of a commodity (some might argue public utility) these days than they would ever want to admit to. They are all copying each other and often using the same health care providers in their networks. So, while it would be incorrect to say they are all identical, the quality of care and customer service levels from the consumer's perspective are very similar from one health insurance carrier to the next. From the health care provider's perspective some health insurance carriers have reputations for being more aggressive in negotiating discounts and being easy or complicated to get paid by than other health insurance company's do. But, even this can vary from state to state and change over time as health insurance carriers continually adjust to the changing environment.
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