1. Best Best Insurance Company yeKugutsikana Kwazvo- Kaiser Permanente
Kaiser Permanente akakunda JD Power award muna 2017 Medicare Advantage Study, kuverenga 5 kubva pa 5 nyenyezi mumarudzi ose; kugutsikana kwehuwandu, ruzivo nekukurukurirana, kupa mupiro, kushandiswa kwevatengi, mari uye kugoverwa.
Nekuwanda kwekuenda kwaKaiser Permanente, zviri nyore kuona kuti sei kambani ino inofanira kunge yakakwikwidza kana ichiuya pakusarudza wehutano wehutano. Kuti ugone kuparidzirwa kubva kuna Kaiser Permanente, unofanira kurarama kana kushanda kune imwe yenzvimbo dzebasa: Northern Northern California, Southern California, Colorado, Georgia, Hawaii, Mid-Atlantic States (District of Columbia, Maryland neVirginia) uye Northwest (Oregon neWashington ).
2. Inishuwarenzi yehutano yakanakisisa yeVasarudza Zvokupa- BlueCross / BlueShield
Bhuku reBlue Cross / Blue Shield rakagamuchirawo 95 kubva muzana zana muhutengi hwevashandi uye yakanga iri yepamusoro yakaronga insurer mukugutsikana kwekambani kwevanhu kubva kuIndure.com rankings. Blue Cross Blue Shield (BCBSA) ine masangano ehutano ehutano anopfuura makumi matatu ehutano anowanikwa muUnited States uye zviri nyore kuwana vanopa utano hwehutano vanogamuchira Blue Cross uye vanoita sevanosarudza mupi wekusarudza pasinei nokuti muno muU.S. .
3. Inishuwarenzi yehutano yakanakisisa yekutora kushambadzira-Highmark
JD Power & Associates akapa Highmark 4 kubva kune 5 nyeredzi kuitira kugutsikana kwevatengi mumakambani ekugadzirisa. Insure.com yakapawo Highmark chikamu che4,5 kubva pa5 nyota inotarisirwa kushandiswa. Highmark inoshanda sechikamu chemhuri yeBlue Cross / Blue Shield uye inofanana nehutano hwehutano hwehutano muEastern United States.
Iyo kambani ine "A +" rating neBusiness Business Bureau. Zvirongwa zvehutano zvinopiwa muPennsylvania, Delaware uye West Virginia zvinoshumira vanopfuura mamiriyoni mashanu nhengo.
4. Best Inishuwarenzi yehutano yeDzimba- Humana
Humana Insurance Company yakagamuchira 4.5 kubva kune 5 nyeredzi muIndure.com rankings mumutengo wezvikamu zvichienderana nemigumisiro yekugutsikana kwevatengi kutsvaga. Humana anokorawo 4.5 kubva kune 5 nyeredzi kubva kuIndure.com muzvikamu zvekukosha kwekutengesa uye mabasa ekutaura. Humana inopa zvirongwa zvehutano munyika yose yeUnited uye ine "A +" rating neBusiness Business Bureau. Humana inopa sarudzo yakawanda yekusarudzwa kwematongerwo emitambo yekukwikwidzana kwehutano hwehutano zvinhu zvinosanganisira zvirongwa zvehutano zvega, Medicare supplement zvirongwa uye boka remishonga yehutano yehutano.
Ndechipi Chine Utano Hwehutano Unoda?
Kuchengeta premium yako yehutano inshumo yepamusoro kunokosha, asi haufaniri kunge iwe chete chinhu chaunofunga paunotarisira kutenga utano hwehutano inshuwarisi. Iwe unoda kutarisa hutano hwehuwandu hwaunowana nokuda kwemari yako. Mune mamwe mazwi, ingano iyo yauri kutenga inokwana yakavhara mari yezvemari iwe unogona kupinda? Kana uine nhengo yemhuri ine dambudziko rezvoutano kana chirwere chisingaperi, unofanirwa kutarisa mutemo wekambani pamusoro pemamiriro akambovapo.
Iwe unofanirwa kuzivawo kuti iwe uchakwanisa kushandisa mushandi wekusarudza kwako kana kana iwe uchafanira kushandisa chiremba chekuchengetedza hutano kana chiremba mukati memakambani anonyanya kugovera network. Izvi zvingangodaro zvichienderana nemutemo unosarudza. Neimwe mitemo, iwe unogona kusarudza mutengi wako, asi miriyamisi iyi inowanzoshambadza. Kana iwe ukatenga chirongwa uchishandisa HMO kana PPO, premium yako inokubhadhara zvishoma.
Tarisa mumatongerwo emitemo kana kuti bvunza mujeri wenyu wehushuwarisi kana pane dzimwe nzira dzoutano dzisina kuvharwa kana dzakaputirwa nemari shoma. Iva nechokwadi kuti zvikwereti zvekuchengetedzwa kwekenza, zvirongedzo zvekuporesa, zvirwere zvekushaya rubatsiro uye mishonga yemishonga inenge iri chikamu chemishonga yemishonga haifaniri kuvharwa muhutano hwehutano inshuwarheni. Nguva dzakawanda pane mazano ekuwedzera ayo unogona kutenga kuti uvhare mhaka idzi.
Kumbira mumiririri wako weinishuwarenzi kuti apinde mune imwe tsanangudzo kana iwe usina mubvunzo pamusoro pekuti kana mutero uchazovharwa.
Mari Yako Ndeipi?
Kunyange iwe uchida kuti hutano hwakanaka huve hutano hwakakwanisika, iwe unodawo hutano hwehutano inshumo huchakodzera mukati mebhajheji yako. Tsvaga kambani inopa vashandi vayo mitemo yakawanda yakasiyana-siyana. Iwe unogona kazhinji kuwana hutano hwehutano inshuwarheni kuti ufukidze zvidikanwi zvekurapa zvakakosha kunyange iwe uri pane bhajeti shoma. Kuchengetedza zvakanyanya deductible kunogonawo kuderedza purogiramu yako yehutano yehutano. Sezvo bhajheji yako ichiwedzerwa, unogona kuwedzera zvaunogona kuita kana kuchinja sarudzo yako kuvhara mari yako yehutano inshuwarheni. Iwe unogona kuita izvi nekushandura hurongwa hwako kana nekusarudza kuderedza pasi. Makambani ehutano ehutano hwehutano anopa zvirongwa zvakasiyana-siyana kuti zvikwanise mhando dzose dzemamiriro emhuri nemari.
Kuenzanisa Tools
Kune huwandu hwehutano hwehutano huenzanisa zviitiko zvinogona kukubatsira iwe kuwana inshuwarisi yehutano iyo inonyatsowanikwa uye inopa hutano huri nani hwehutano inshuwarano zvichienderana nezvido zvehutano hwako uye bhajeti. Zviri nyore kuenzanisa "maapuro nemaapuro" kana iwe uchigona kutarisa kune rumwe rutivi. Hezvino zvimwe zvishandiso zvekuita kuti utange: Ronga Tsvaga kubva kuHealthcare.gov, yeEHealth comparison tool, QuoteWizard kana Insurance.com.