You can get $0 virtual care with most plans and up to $75 in Amazon gift cards for meeting your annual step goals. It also offers a wide range of medical management programs, including ones for asthma, diabetes, depression, pain management, heart disease, high blood pressure and cholesterol, low back pain, pregnancy, and weight loss. In particular, its bronze and silver plans offer particularly low out-of-pocket costs. Oscar has the lowest physician copays ($0) and offers the lowest cost plans across age groups (25, 35, 45, and 60 years old). However, we found that in some states, physician copays were relatively high.īlue Cross Blue Shield is also an excellent choice for small business health insurance plans and is our top pick in that category. Some BCBS companies also offer additional benefits, like $0 virtual care and medical management programs for depression, pain management, heart disease, asthma, diabetes, and high blood pressure. This makes it a good option for people who prefer robust coverage. Notably, it offers the best-value Gold plans (meaning overall costs, including premiums and deductibles, are relatively low). Plans are available nationwide but vary by region, and Marketplace plans are not available in all areas.īCBS offers four metal levels (Bronze, Silver, Gold, Platinum) and catastrophic coverage through the Health Insurance Marketplace. In addition to HMO plans, BCBS offers PPO, EPO, and POS plans, which is great if you don’t want to be restricted to in-network providers. Here is a list of our partners who offer products that we have affiliate links for.Blue Cross Blue Shield has an average NCQA rating of 3.7 out of 5 stars, the second highest of the insurers we reviewed.
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To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. While the prime plan costs more, you’ll get higher coverage amounts and more expenses covered. We analyzed sample policies for Hartvill’s basic preventative care plan and prime preventative care plan. Hartville Pet Insurance Basic Preventative Care vs. Prime Preventative care costs more, but it provides higher coverage amounts and covers more types of expenses. You’ll have two options: Basic Preventative Care and Prime Preventative Care. You can add a Preventative Care package to help pay for expenses such as annual wellness exams, vaccinations and other vet expenses. It can be a good option for pet owners who only want coverage for accident-related emergencies. This type of plan does not cover any illness-related veterinary expenses, such as cancer treatment.Īccident-only plans are less expensive than accident and illness plans because they cover fewer problems. Hartville Pet Insurance also offers an accident-only plan, which covers accident-related veterinary expenses such as swallowing foreign objects, broken bones and torn cruciate ligaments.
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