What Is The Best Health Insurance Option For Federal Employees

Best health insurance

Are you tired of scouring the Internet, searching for the perfect deal on health insurance coverage for you and your family? As an employee of the federal government, are you overwhelmed by the sheer number of policy options available to you, and just want to know which are the best of the best? Choosing the right health insurance policy to meet your needs can be quite the task, often taking hours of careful research out of what is already an incredibly busy day.


To make your life easier, we did the legwork and conducted the research to find the 10 best health insurance companies for federal employees. Each of the options selected is a leader in their market in terms of benefits, policy coverages, network allowances, terms, and conditions. If you are tired of trying to decipher the maze of insurance companies on your own and want an inside look into the top options for you, read on.

Best Health Insurance Product FAQs

1

 What Is Health Insurance?

In simple terms, health insurance is a form of insurance coverage that pays for any medical and surgical costs you may incur as the result of necessary treatment rendered by a doctor, hospital, or another medical provider. This is a broad definition as insurance policy specificities vary based on the individual carrier’s terms and conditions.

2

Why Is Having Health Insurance Important?

Health insurance is a crucial aspect of maintaining your health and overall wellness. Not only can you be penalized by medical providers for being uninsured, but you will not have access to the quality care you may require if you are not covered under a health insurance policy. If you do need emergency or unexpected medical care, the cost of treatment to uninsured individuals can literally break the bank.

3

How Does Health Insurance Work For Federal Employees?

The main difference between health insurance for federal employees and coverage for everyone is else the premiums and selection options. As an employee in the federal system, the government pays the majority of your health insurance premiums at an average of 72%.


In addition, federal employees have some of the broadest offerings of health insurance carriers to choose from when compared to the rest of the country. As such, the benefits of finding health insurance as a federal employee are considerable for both your medical and financial state.

4

How Can You Find The Best Health Insurance Options?

There are countless plans touting themselves as the best health insurance. Many of them are among the top in their market. There are plenty of resources online as well as brochures that you may have received from your employer to select the option that works for you.


Finding the best health insurance plan is hard work, so we cut out the middleman and chose the premier 10 that stood out in overall benefits for insured members and catered to a wide array of medical needs and individual situations.

How We Reviewed

Each of the following best health insurance plans were reviewed based on their key features, pros, cons, premiums, benefits, deductibles, coverage options, payouts, terms, and conditions. We made allowances for individuals with different ​types of budgets and states of health, to ensure that there were flexible offerings suitable for anyone to choose from.


Whether you are looking for network flexibility, high maximum payouts, or low deductibles, each of the following options offers key elements that are tailor-made to fit an array of personal circumstances.

Overall Price Range Of This Product 
(And Similar Products)


Rates vary widely based on a number of key factors, including whether you choose an individual or family plan, the state you live in, if you have any pre-existing conditions, the type of policy you select, and the carrier’s unique terms and conditions. Some policies that come with higher premiums may have more flexible terms and conditions, along with a larger physician and medical provider network.


Policies with lower rates might have a smaller network, less flexible offerings, or only be offered in specific states. The best health insurance plans we chose to offer an array of rate choices to meet various budget constraints and preferences. Visit the insurance company website linked beneath each overview to get a quote.

What We Reviewed

  • United Healthcare
  • Kaiser Permanente Insurance
  • Humana Health Insurance
  • BlueCross BlueShield
  • Aetna Health Insurance
  • Cigna Health Insurance
  • Molina Healthcare
  • Celtic Healthcare
  • Anthem
  • WellCare

United Healthcare

Features


The first on our list of best health insurance plans is well known for its vast network of physicians and medical facilities available to covered employers and individuals. United Healthcare's policies offer comprehensive and wide-ranging coverage services. Only visits to providers within their network will be considered for coverage. No charges will be paid for in connection with any visits out of your network.


The majority of medical providers accept United Healthcare, so you have a good chance of getting in to see the doctor you want with one of their policies. They do have very stringent standards as to the types of visits and procedures they will and will not cover, so it is important to read carefully the terms and conditions before selecting a plan.

Pros

  • A large network of physicians and medical facilities to choose from
  • Plans are accepted by the vast majority of medical providers

Cons

  • No out-of-network visits are covered
  • Strict terms and conditions for covered visits, treatments, and procedures

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.

Where to Buy


www.uhc.com

Kaiser Permanente Insurance

Features


Kaiser Permanente’s network comprises over 17,000 doctors and medical professionals, providing an impressive array of options to covered members. They have a member base of more than 9 million individuals.


This selection makes our list as one of the best health insurance companies for their flexible approach to customized medical care. As a covered individual, you are able to select doctors to work around your innate medical history and needs, which can be a rarity in the world of health insurance.

Pros

  • Allows for customized treatment options
  • Vast medical provider network

Cons

  • Co-pays are high
  • You can only see your own primary care physician

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.healthy.kaiserpermanente.org

Humana Health Insurance

Features


Humana makes our list as one of the best health insurance companies for its incredibly affordable rates and plans. It is especially well-known for its comprehensive dental plans. It has a network comprising over 130,000 dental professionals.


This insurance company does not require any underwriting or pre-enrollment fees to qualify as a member. You can choose between a variety of health plans, including HMOs and PPOs. If you want the freedom to visit a provider outside your network, you can find a plan that fits those needs and still receive partial coverage for any related treatment or procedures.

Pros

  • Solid dental and health plans
  • Very affordable monthly premiums

Cons

  • Some members complain of difficulty with customer service
  • Can be slow to pay claims

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.humana.com

BlueCross BlueShield

Features


BlueCross BlueShield is known as one of the best health insurance companies nationwide. They work closely with many local state providers to allow comprehensive coverage to members. Plans are geared to help individuals dealing with a wide range of conditions, including diabetes, cancer, heart issues, and vision problems, to name a few.


Rates do tend to be a bit higher than other alternatives, but the quality coverage is a key tradeoff. Deductibles are low, and claims are processed promptly. Individual coverages do vary based on the state insurers that fall under the BlueCross BlueShield umbrella, so it is always wise to check to see what localized terms and conditions may apply.

Pros

  • Offers quality, wide-ranging coverage options
  • Great customer service

Cons

  • Higher premiums than some other offerings
  • Rates can vary from state to state

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.bcbs.com

Aetna Health Insurance

Features

Aetna is one of the best health insurance carriers that has been in existence for over 160 years, offering quality coverage to employers, medical professionals, and individuals. They work closely with your medical provider to afford you premium care and have a large network of physicians and medical providers to choose from.


However, they do not typically provide coverage for medical visits out of your network, and deductibles tend to be higher.

Pros

  • A wide network of physicians and hospitals
  • Works directly with your doctor to coordinate care

Cons

  • Out-of-network visits are not covered
  • Deductibles are higher

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.aetna.com

Cigna Health Insurance

Features


Cigna makes our list as having some of the best health insurance plans for their international network of physicians and medical providers. Consisting of over 75 million members, Cigna’s system stretches across 30 countries and has been in existence for more than 200 years.


Co-pays are affordable, and customer service is excellent. In addition, deductibles are relatively low when compared to other offerings on the market, so you can receive quality care without stretching the budget too far.

Pros

  • Affordable co-pays and deductibles
  • Wide physician and provider network spanning 30 countries

Cons

  • Claims are prone to being denied if billed incorrectly
  • Has a strict review process to determine covered procedures

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.cigna.com/OfficialSite

Molina Healthcare

Features


In existence for 35 years, Molina Healthcare is one of the best health insurance carriers for individuals who have or are eligible for Medicaid and Medicare. They have quality customer service, affordable rates, and cover a wide range of treatments related to specific illnesses like AIDS.


In addition, they have a large network of covered physicians and medical facilities that come to no or minimal cost out-of-pocket. Molina Healthcare also has Marketplace plans to provide a smooth transition from your current provider or Medicaid carrier.

Pros

  • Low rates
  • Impressive network for patients to choose from

Cons

  • Only offers coverage in 12 states and Puerto Rico
  • Geared toward Medicaid and Medicare-eligible individuals

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.molinahealthcare.com

Celtic Healthcare

Features


Celtic Healthcare is unique on our list as it centers around providing comprehensive health and wellness services for in home care, hospice, and virtual care. It has an exceptional customer service team with a mobile internet network to keep track of medical records, bills, and other pertinent documentation.


Their network is only available within a few states, including Pennsylvania, Ohio, Maryland, southern Illinois, and eastern Missouri.

Pros

  • Quality home health services
  • Top-notch documentation management system

Cons

  • Geared towards healthcare rather than qualifying coverage
  • Only available in select states


Price


Rates vary based on needs and duration. Visit the website below for more information.


Where to Buy


www.celtichealthcare.com/

Anthem

Features


We selected Anthem as one of the best health insurance carriers for its huge network and a vast array of plan offerings that can be chosen to fit your unique needs. As one of the members of Blue Cross Blue Shield’s state-specific organizations, you receive the same benefits of its parent company.


They are known for paying a high percentage of claims and providing exceptional customer service.

Pros

  • Prompt and reliable claim processing
  • Great customer service

Cons

  • Rates can be high
  • Does not always help cover out-of-network visits

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.anthem.com/

WellCare

Features


Our final selection among the best health insurance carriers is Wellcare, a company that specializes in providing government-sponsored plans. Their plans mainly center around Medicare Advantage, Medicare Prescription Drug, and Medicaid plans.


Coverage is offered to members of all ages with an array of unique medical situations. They also have a rewards program in place as an incentive to maintain a healthy lifestyle.

Pros

  • Great for those looking for solid Medicare and Medicaid plans
  • Solid rewards program for individual health maintenance

Cons

  • Co-pays can be high
  • Less than stellar customer service

Price


Rates vary based on policy type, terms, and conditions. Visit the website below to get a quote and select a plan that meets your needs and budget.


Where to Buy


www.wellcare.com/

Comparison Table

Health Insurance

Details

Website

United Healthcare

  • Comprehensive and wide-ranging coverage services

Kaiser Permanente Insurance

  • Flexible approach to customized medical care

Humana Health Insurance

  • Well-known for its comprehensive dental plans

BlueCross BlueShield

  • Dealing with a wide range of conditions, including diabetes, cancer, heart issues, and vision problems,

Aetna Health Insurance

  • Offering quality coverage to employers, medical professionals, and individuals

Cigna Health Insurance

  • You can receive quality care without stretching the budget too far

Molina Healthcare

  • Cover a wide range of treatments related to specific illnesses like AIDS

Celtic Healthcare

  • Exceptional customer service team with a mobile internet network

Anthem

  • Vast array of plan offerings that can be chosen to fit your unique needs

WellCare

  • Specializes in providing government-sponsored plans

The Verdict

Each of the best health insurance companies we selected an array of policies and options to meet a variety of unique needs. If you are looking for a vast physician and provider network and do not mind paying higher premiums for those benefits, BlueCross BlueShield, Anthem, Aetna, or Kaiser Permanente Insurance are all solid options.


If you are working with tighter budget constraints, look into Cigna Health insurance or Humana Health Insurance. If Medicare and Medicaid are your chief concerns, Wellcare or Molina are worthy contenders.


Whichever you decide to choose, be sure to visit each website to get your individual quote. Rates, policy types, and plans vary based on state and personal factors, so you will be able to make a final decision based on the quote calculations that best fit your individual, financial, and health necessities.

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