In Arizona where JD Power conducted their health insurance customer rating they talked to a number of residents of Arizona and Utah and asked them about their customer satisfaction with these various Arizona Health Insurance companies including Cigna, Blue Cross Blue Shield, Select Health, and United Health Care.
Arizona Health Insurance Company Specifics
The truth is Blue Cross has a majority of the individual and group health insurance policies in the two states so their sample size is considerably higher, however they are still the king of the market as most people that have these Blue Cross Blue Shield polcies in Arizona give a positive health insurance review. Blue Cross Blue Shield of Arizona scored high in every category. On the other hand Regence Blue Cross Blue Shield of Utah scored considerably lower. The second biggest Arizona health insurance company, United Health Care offers a great priced plan, but has a slight issue with being domiciled in Arizona. Their health insurance administration software and personnel however are second to none, and there is no company that is easier to deal with for changes to policies and claims issues. I wish AT&T were that easy! They don’t have that high of a complaint ratio either, be sure to check our Arizona health insurance complaint page for more information about this.
Aetna promises that 2010 will be their year to shine in the individual health insurance market, as their rates are getting more competitive. However, they are seriously challenged when it comes to administration and they haven’t even paid us on cases in months due to the drawbacks inherent in their computer systems. Their web developers need to be fired as of yesterday. On the other hand they are very dependable when it comes to claims and we have never had a policy rescinded by Aetna before in any state, and I would trust my health insurance plan to them any day, provided it was still affordable.
Cigna, who entered the Arizona health insurance market last year, have had a slight rate adjustment this year and thus are not really competitive in Arizona anymore except in a few weird demographics and guess what? You might be in that demographic so certainly consider Cigna if the price is right. Be very careful however when shopping their policies because their higher deductible health insurance plans have extremely high coinsurance ceilings which sometimes are not factored in when shopping Arizona health insurance.
HealthNet is very well priced in Arizona but who knows if they will be offering health insurance policies here next year so be very careful when choosing their policies, sometimes it is worth it to pay the extra $10 a month and just go namebrand so to speak. Still, HealthNet has outstanding emergency room benefits and if you are accident prone they will in fact save you more money and headaches then any other medical plan.
COMPANY OVERALL COVERAGE COVERAGE & BENEFITS PROVIDER CHOICE INFO & COMMUNICATION
AETNA 2/5 2/5 2/5 2/5
BLUE CROSS 5/5 5/5 5/5 5/5
CIGNA 3/5 3/5 2/5 3/5
HUMANA 2/5 2/5 3/5 2/5
UNITED 2/5 2/5 3/5 3/5
COMPANY CLAIMS PROCESSING STATEMENT CUSTOMER SERVICE APPROVAL PROCESS
AETNA 2/5 2/5 2/5 2/5
BLUE CROSS 5/5 4/5 4/5 5/5
CIGNA 4/5 2/ 5 2/5 2/5
HUMANA 5/5 5/5 5/5 5/5
UNITED 2/5 2/5 2/5 3/5
