NCQA ratings and report card for 2021 on health insurance plans were canceled this year due to COVID. However, the 2020 ratings are available. Compare quality ratings for HMOs and PPO health insurance plans. Aetna, Anthem Blue Cross, Cigna, Humana, Kaiser, United Healthcare – they’re all here, as are many non-profit regional plans. Star ratings and number of enrollees shown for accredited commercial, Medicare and Medicaid plans. Five private commercial plans received the highest possible 5-point star rating: two Capital District Physicians’ plans (CDPHP and CDPHN), Kaiser Foundation Mid-Atlantic States, and two Tufts plans (Tufts Associated HMO and Tufts Benefit Administrators). Thirty-three (33) plans received ratings of 4.5 stars. NCQA (National Committee for Quality Assurance) is a private nonprofit organization that sets standards for quality of care and service that health plans provide to their members. NCQA Accreditation is a nationally recognized seal of approval. Presumably, the ratings will be updated next in 2021.
Best health insurance plans for 2020, according to a survey by insure.com. The survey of 15 health plans put Healthcare Service Corporation (HCSC) on the bottom (score 79.55 of 100 points possible). HCSC operates the Blue Cross Blue Shielf plans in IL, MT, NM, OK and TX. Other lower-scoring plans were Highmark (based in Pittsburgh, an affiliate of Blue Cross Blue Shield, score 80.93), and United Healthcare (score 81.10). Centene (score 89.32) was the highest rated health plan. Customer service, claims processing, value for price, website/apps, and those who would recommend and would renew were evaluated. Small survey sample, December 2019 by insure.com.
J.D. Power and Associates selected Highmark and Kaiser Foundation Health Plan as their top 2 Medicare Advantage plans for 2020. Humana came in third; UnitedHealthcare came in 4th. Other Medicare Advantage plans compared (in order of preference) were Aetna, Cigna HealthSpring, Anthem, BlueCross BlueShield of Michigan, Centene, and WellCare. Medicare Advantage plans were evaluated on six factors (in order of importance): coverage and benefits (29%); provider choice (17%); cost (15%); customer service (14%); information and communication (13%); and billing and payment (12%). Commercial plan ratings are listed by state, for selected states only. Ratings factors were Overall member satisfaction (consumer opinions), Billing and payment, Communication, Costs, Coverage and benefits, Provider choice and Customer service.
What are the best Medicare Advantage Health Insurance companies for 2021, according to usnews.com? Medicare Advantage health insurance companies are shown by state if their plans – together, across the state – have achieved an average of 4.5 of 5 stars by Medicare. Rankings use Medicare’s 2021 Star Ratings. Advantage plans combine Part A and Part B. Not every state has a highly rated company. For example, there is no top Medicare Advantage company in Arizona…where 18% of the population is age 65+. Announcement made in October 2020 by U.S. News & World Report.
USnews.com lists Best Medicare Part D (drug) health plan rankings for 2021. Just 11 companies had plans that earned on average, 4.5 or 5 stars from Medicare for Part D (drug) coverage. Additionally, these companies’ individual plans had to rate at least 3 stars. All companies were some form of Blue Cross drug plan. Uses the CMS Star Ratings.
Find individual health insurance plan options and prices at healthcare.gov. This is the ONLY health insurance site to use if you want (and qualify for) the federal subsidies for affordable health insurance AND your state participates in the federal marketplace exchange. Compare plans on monthly premium prices, deductibles, plan features and star quality ratings. The federal marketplace exchange shows Bronze, Silver, Gold and Platinum metal levels. It first opened for 2014. People who don’t get subsidies can also choose a plan and enroll at healthcare.gov. Open enrollment for everybody (except Medicare) between November 1 and December 15, 2020 for 2021. Select Preview Now if you just want to scan the plans before you create an account. At minimum, enter your age, or you may get false prices. If you lose coverage during the year, you may also qualify to enroll outside of the Nov.-Dec. open enrollment. Links are provided to your state marketplace if your state has its own health insurance website. Editor’s Pick.