Anthem Health Insurance Review

Anthem Health Insurance Ratings at a Glance

Anthem is one of the best insurance companies since it has an extensive network of providers. This gives customers many choices on where to receive medical services. Anthem's variety of health insurance plans assists individuals and families using Medicare, Medicaid and group insurance. 

Individual and family health insurance plans are available through an employer, the Marketplace or directly from Anthem. Medical plan coverage includes:

• Health maintenance organization (HMO): Covers only in-network medical care. Referrals from a primary care physician are a requirement too.
• Exclusive provider organization (EPO): Only offers coverage in-network medical care. You do not need a referral to visit a specialist.
• Preferred provider organization (PPO): A more expensive plan covering both in-network and out-of-network medical care.

Be mindful when buying health insurance through the marketplace. The size of Anthem health insurance means that you could potentially see multiple plan types in your region. Options range across all tiers like Catastrophic, Bronze, Silver, Gold and Platinum. 

You can reference Anthem's website to see a list of other types of insurance. A quick peek looks like this:

• Prescription drug plans
• Dental insurance
• Vision insurance
• Short-term health insurance
• Supplemental insurance (accident, critical illness, hospital recovery)

Furthermore, Medicare is available for seniors and anyone eligible. Anthem's insurance options include:

• Medicare Advantage plans (Part C): These combination plans bring together the Original Medicare benefits of both Part A and B. Anthem's health insurance is still substantial with its HMO and PPO policies. Additionally, options for prescription drug protection, vision, dental insurance and even wellness benefits are available to customers.
• Prescription drug plans (Part D): Stand-alone prescription drug coverage is available through Anthem under three Part D options. The three plans are MediBlue Rx Enhanced, Plus and Standard.
• Medicare supplement plans (Medigap): This type of insurance improves the protection you receive with Original Medicare helps pay deductible and coinsurance. Anthem's choices are Plan F, G, and N.
• Dental and vision insurance plans: Anthem offers this insurance as stand-alone plans or as a component of Medicare Advantage Part C plans. Customers can add on coverage or bundle with other parts of Medicare.

Under Anthem, state partners can provide Medicaid plans and administer health insurance to people with low incomes, disabilities or other qualifiers. 

How Anthem deals with customer complaints and claims is an accurate indicator of how it might handle your specific claims. 

For instance, the Better Business Bureau gives Anthem a low rating of F. It found that the company's most recent 61 complaints are directly related to billing or problems with denying claims.

In terms of the National Committee for Quality Assurance, Anthem's private health insurance plans receive overall ratings between 2.5 and 4.5. This translates to mid-to-high performance. Consumer satisfaction, prevention and treatment contribute to Anthem's score.

Meanwhile, Consumer Affairs gives Anthem a 4 out of 5 rating. Over 1,000 reviews that feature four- and 5-star ratings are the main contributors to its high scores.

The prices of Anthem health insurance are slightly lower than many competitors. You can find great deals on policies, and if you are a resident of Kentucky, you can expect the Anthem Blue Cross and Blue Shield plan to be the cheapest.

On average, the monthly cost of Anthem insurance looks like this:

• Catastrophic - $288
• Bronze - $362
• Expanded Bronze - $382
• Silver - $477
• Gold - $487

For example, a $477-per-month premium for a Silver Anthem policy is higher than competitor Cigna but lower than Oscar.

A multitude of features of Anthem can improve your policy and help you receive more value from your plan while better managing it.

Features of an Anthem policy include the following:

• Add-on coverage: Vision and dental insurance additions can be a simple solution for combining more policy types while only using one insurer.
• Telehealth: Access to include 24/7 NurseLine, LiveHealth Online for virtual doctor visits and telehealth systems directly from a doctor or hospital.
•  Support for healthy living and mental health: Becoming an Anthem member grants customers access to other resources such as weight management programs, coaching, discounts to gym memberships, stress management, mental health support and SilverSneakers memberships.
• Mobile app: Policyholders can access their digital ID cards, find a doctor, check on benefits and costs, ask questions and sync the account with a fitness tracker.

Anthem vs. Competitors

The chart displays Anthem's competitors and the price distinction among each company. As you move along the chart, you will notice Anthem's cost is $477 per month, and Cigna's cheapest company costs $462 per month. CareFirst BlueChoice costs an average $598 per month.

The rate you pay for insurance varies based on details like where you live and the level of coverage you need. This year, in 2022, individual health insurance plans are a little more expensive, and the rate of increase varies by state.

Anthem health insurance provides customers with a wide selection of policies to make it easy for you to find a plan that meets your standards. Another great feature of Anthem is that its affiliate, BlueCross BlueShield, boosts its reputation as reliable. Anthem is, in fact, newer as a business when you compare it to other health insurers. If you reside in a state where Anthem policies are available, benefits are excellent.

With Anthem working hard to serve customers, its members are in good hands and can take advantage of supplemental insurance like vision and dental and discounts on wellness products. 

The tools members have the chance to utilize helps manage claims payments and locate an in-network provider. General health support through educational resources is also part of Anthem's offerings.

Frequently Asked Questions