There is a difference between who the top rated health insurance companies are, and the health insurance company that you should use. Why? Well, simply put, if an insurance company is not licensed to sell insurance in the state where you live, even if it is one of the top rated health insurance companies in the US, you are not going to be able to use them. As such, while how an insurance company ranks on lists such as World News and the NCQA is important, it is also important that an insurance company has what you need in order to make it a success for you (and your family).
Some of the top rated companies often include large companies like CIGNA, Blue Cross Blue Shield, Tufts and Harvard Pilgrim. Now you need to evaluate those providers, and others, in terms of your lifestyle and needs. One of the things that you should do to determine which insurance company that you should use is to use a third party quote tool. Quote tools give you free access to multiple quotes, which will save you time and money.
However, you should not just jump in and purchase the cheapest insurance you can find. Once you receive a quote, make a visit to your states Department of Insurance site and check out the company. Each state keeps a list of complaints (much like the BBB) made against each company and the steps they have taken to resolve it. This will go a long way towards helping you to determine if a health insurance company is right for you.Top Rated Health Insurance Companies