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All Health Providers (21)
🏥 Blue Cross
★ 4.7/5.0
$64 - $321
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Largest provider network in the U.S. with contracts covering over 90% of doctors and 96% of hospitals, including the BlueCard program that provides in-network access when traveling between states
- • Federal Employees Health Benefits (FEHB) Program's largest carrier — the BCBS Service Benefit Plan covers more than 5.3 million federal employees, retirees, and dependents
CONS
- • Inconsistent quality and pricing between states because each BCBS licensee operates independently — a plan rated highly in one state (e.g., BCBS of Massachusetts) may perform poorly in another (e.g., Anthem in California has faced multiple class-action suits)
- • Several BCBS affiliates have settled major antitrust litigation — the $2.67 billion 2020 MDL settlement addressed allegations that BCBS companies illegally divided geographic markets to suppress competition
🏥 Anthem
★ 4.7/5.0
$72 - $304
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Operates Blue Cross Blue Shield plans in 14 states (including California, New York, Ohio, Indiana, Virginia, Georgia, Colorado, Connecticut), giving it one of the largest U.S. footprints among single-brand health insurers
- • BlueCard PPO program provides in-network access to providers in all 50 states, useful for members who travel or have college-age children out of state
CONS
- • Only sells individual/group health plans in the 14 states where it holds the BCBS license — residents of other states must use a different BCBS licensee (e.g., Florida Blue, Highmark)
- • Has faced multiple high-profile disputes with hospital systems over reimbursement (e.g., publicized contract fights leading to temporary out-of-network status), which can disrupt member care
🏥 Kaiser Permanente
★ 4.5/5.0
$112 - $283
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Fully integrated care model — insurance, primary care, specialists, labs, pharmacy and hospitals are all under one Kaiser roof, so records and referrals flow through a single Epic-based system (KP HealthConnect)
- • Consistently strong NCQA accreditation and HEDIS quality scores, particularly on preventive care and chronic disease management metrics like diabetes and hypertension control
CONS
- • Geographically limited — only available in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, and Washington DC; no coverage in most of the country
- • Closed-network HMO model means members generally must use Kaiser-owned facilities and Kaiser-employed doctors; out-of-network care is typically not covered except for emergencies
🏥 VSP Vision
★ 4.5/5.0
$10 - $50
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Largest vision-only network in the U.S., with reportedly more than 39,000 participating eye doctors and access to most independent optometrists
- • Not-for-profit structure (VSP Global) means surplus is reinvested into member benefits and the Eyes of Hope charitable program rather than shareholder dividends
CONS
- • Does not sell medical/health insurance — buyers looking for major medical, ACA marketplace, or Medicare Advantage plans need a different carrier and should pair VSP only as supplemental vision coverage
- • In-network savings are strongest at independent VSP-contracted optometrists; big-box retailers like Walmart Vision Center and Sam's Club are generally out-of-network (Costco and Visionworks participation varies by plan)
🏥 Providential
★ 4.4/5.0
$28 - $299
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Name may be associated with niche or regional health coverage offerings rather than mass-market plans, which can mean more personalized service for those who locate the correct entity
- • Smaller or lesser-known carriers sometimes offer specialty products (faith-based cost-sharing, supplemental, or limited-benefit plans) not available from large national insurers
CONS
- • No verifiable AM Best financial-strength rating, J.D. Power ranking, or NAIC complaint-index data publicly tied to a 'Providential' health insurance carrier as of the knowledge cutoff
- • Easily confused with Providence Health Plan (Pacific Northwest) and Provident American — consumers risk enrolling with the wrong entity
🏥 Oscar
★ 4.4/5.0
$107 - $269
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Tech-first member experience: Oscar's mobile app and member portal are widely cited as among the more polished in the individual market, with features like in-app virtual visits and a 'Care Team' of nurses/care guides assigned to each member
- • $0 telemedicine on most plans through Oscar Virtual Urgent Care, available 24/7 to members across its service area
CONS
- • Limited geographic footprint — Oscar sells individual plans in roughly 18 states (as of 2024 filings) and is absent from large markets like California's individual exchange and most of the Northeast outside NY/NJ
- • Narrow HMO/EPO networks are the norm; Oscar plans typically have no out-of-network coverage except for emergencies, which can be a poor fit for members who travel frequently or want broad PPO access
🏥 Delta Dental
★ 4.4/5.0
$35 - $150
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Largest dental PPO network in the U.S. with approximately 155,000+ participating dentists at over 415,000 locations
- • Nonprofit structure in most states (e.g., Delta Dental of California), with a federated model operating in all 50 states plus DC and Puerto Rico
CONS
- • Does not offer true major medical health insurance — products are primarily dental and vision, which can mislead consumers searching for health coverage
- • Federated structure means coverage rules, premiums, and customer service vary significantly by state member company (e.g., Delta Dental of California vs. Delta Dental of Massachusetts)
🏥 Blue Shield
★ 4.3/5.0
$350 - $1100
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Cigna Dental
★ 4.3/5.0
$45 - $180
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Cigna
★ 4.2/5.0
$62 - $331
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Independence
★ 4.2/5.0
$25 - $300
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 MedMutual
★ 4.2/5.0
$97 - $179
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Molina
★ 4.2/5.0
$108 - $336
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Aetna Dental
★ 4.2/5.0
$40 - $200
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 MVP
★ 4.1/5.0
$111 - $178
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Foundation
★ 4.1/5.0
$95 - $230
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 UnitedHealth
★ 4/5.0
$35 - $325
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Aetna
★ 3.9/5.0
$31 - $319
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Empire
★ 3.9/5.0
$101 - $257
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Ambetter
★ 3.9/5.0
$57 - $224
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
🏥 Humana
★ 3.8/5.0
$59 - $173
Coverage Types:
MedicalDentalVision
Deductible: $500-$3000
Key Features:
- ✓ Wide network
- ✓ Virtual care
- ✓ Preventive care
PROS
- • Large network
- • Comprehensive coverage
CONS
- • Higher premiums
- • Limited rural
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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