Health Insurance Comparison
Best Family Health Insurance Plans - 2021
Family health insurance plans are the same concept as an individual health insurance plan; however, the critical difference is that family health insurance plans will cover multiple individuals. Many dependents, such as spouses, naturally born children and legally adopted or foster children, can be covered under one health insurance plan. The best family health insurance plans include Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Point-of-Service Plans (POS), and High-deductible Health Plans.
Healthfirst Catastrophic Plan vs. Fidelis Care Catastrophic Plan
This article provides a detailed look at two catastrophic plans: Healthfirst and Fidelis Care. Catastrophic plans are meant for young and healthy individuals who do not regularly seek medical attention. Overall, Fidelis Care seems to be a more cost-effective plan, as it has a lower monthly premium.
Empire BlueCross BlueShield Bronze vs. UnitedHealthcare Bronze
Both HMO plans offer very similar services and payment plans. Both plans have a deducible of $5,500, give some reimbursement for a gym membership, and charge 50% coinsurance after deducible for services such as preventative care, primary care, specialty visits, and urgent care.
EmblemHealth Silver Bold vs. Oscar Health Saver Silver
However, EmblemHealth requires a referral to see a specialist and Oscar does not require a referral. EmblemHealth and Oscar cover different hospitals in New York City, so you may want to consider your proximity to each hospital when picking a plan. Overall, we recommend Oscar Health's Saver Silver plan as it enables more flexibility and has positive reviews regarding customer service and user satisfaction.
Oscar Health Simple Bronze vs. UnitedHealthcare Compass Bronze
UnitedHealthcare Compass Bronze has a 38% higher monthly premium when compared to Oscar Bronze, however, when it comes to in-network hospital coverage, UnitedHealthcare has more prominent hospitals covered when compared to Oscar. UnitedHealthcare also offers gym reimbursement where Oscar does not.
Oscar Health Classic Silver vs. UnitedHealthcare Compass Silver- Reviews & Which is best?
UnitedHealthcare has a 25% higher monthly premium than Oscar Health does, not have direct messaging, and you need a referral to see a specialist. However, UnitedHealthcare has more prominent in-network NYC hospitals and includes gym member reimbursement. UnitedHealthcare would be the better option as long as you can pay a little more for the monthly premium and you don't mind needing a referral to see a specialist.
Oscar Health Classic Bronze vs. Empire BlueCross BlueShield Bronze- Reviews & Which is best?
EmpireBlueCross BlueShield bronze has a higher monthly premium and deductible when compared to Oscar Health Classic Bronze. However, EmpireBlueCross also offers more in-network hospital coverage and partial gym reimbursement, making it the better option if you can afford it.
Empire BlueCross Silver vs Healthfirst Silver - Reviews & Which is best?
Empire Blue Cross silver plan is the more expensive option that costs almost 39% more than the HealthFirst silver plan. Both plans have a similar deductible and copay amount by design. HealthFirst offers better access to specialists since you would not need a referral while with Empire Blue Cross you would need one from a primary care provider or similar.