The devastating global pandemic is forecasted to continue well into the year 2021. This is indicative of a rise in health insurance prices which can lie anywhere from 4% to 10% in the next year. However, for several reasons, 2021 could be a year wherein employer insurance costs can remain unchanged or lower. In these uncertain times, prevention is better than cure which places a great deal of importance on selecting a health insurance plan that will cover you during the pandemic.
The following are the best individual health insurance plans to consider:
1. Aetna
Aetna is extending all member cost-sharing and co-pay waivers for inpatient admissions for the treatment of COVID-19 or any health complications associated with COVID-19. It is also extending all member cost-sharing waivers for in-network telemedicine visits for outpatient behavioral and mental health counseling. Given the mental health crisis resulting from the pandemic, Aetna continues to work with self-funded sponsors to provide options.
2. AFLAC
AFLAC is making a one million dollar donation to Crisis Text Line, a global, not-for-profit organization that focuses on mental state intervention. Crisis Text Line, essentially provides free, 24/7, confidential support to people in distress via SMS texting. AFLAC’s donation can facilitate to fund the organization’s new campaign aimed at serving individuals battling the COVID-19 crisis within the USA. It’s additionally created five million dollar donation to two organizations is assisting health care workers on the front lines of the pandemic.
3. Arkansas Blue Cross and Blue Shield and Health Advantage
The expanded COVID-19 related benefits announced for certain Arkansas Blue Cross has fully insured health plans and individual policies will be extended to align with the federal mandated COVID-19 coverage provisions as specified by CARES and the FFCRA. One of the benefits includes covering any COVID-19 diagnostic test that is ordered by healthcare providers free of cost to members.
4. Capital District Physicians’ Health Plan
The Patient care team which moved into a virtual setting as a result of the COVID-19 pandemic is reaching out to patients and their family members to assist in several ways such as: providing emotional support to members, caregivers and families, providing daily communication updates between patients, hospital staff and families, facilitating post-discharge phone calls and support, and so on.
5. Centene
Centene is waiving all cost-sharing for in-network primary care, telehealth visits, and behavioral health for the remainder of the calendar year for Medicare Advantage members. Medicare Advantage members are also eligible for several benefits including extended meal benefits, annual wellness visit incentives, and added over the counter benefits.
Vivna Insurance helps to determine the best health insurance plan you should get and is simply one phone call away. They offer plans and products from competing health insurers such as United Healthcare, Cigna, and many others. They also offer comprehensive plans and products from alternative insurers such as Sure Bridge, The IHC Group, and others.
