Empire Blue Cross Blue Shield Vs Health Plus: Which One Should You Choose?

Empire Blue Cross Blue Shield Vs Health Plus: Which One Should You Choose?

Introduction:

When it comes to choosing a health insurance provider, there are many factors to consider. Two major players in the health insurance industry are Empire Blue Cross Blue Shield and Health Plus. Both offer a range of health insurance plans and services, but which one is right for you? In this article, we’ll examine the differences between these two providers to help you make an informed decision.

Body:

Network:

One of the most important factors to consider when choosing a health insurance provider is the size and scope of their network. Empire Blue Cross Blue Shield is a large national provider that offers a wide range of plans and services. They have a vast network of healthcare providers, including doctors, hospitals, and clinics, which means that you’re more likely to find a provider near you. Health Plus, on the other hand, is a regional provider that offers plans and services primarily in the New York region. While their network is smaller in scope, they do offer plans with more affordable pricing.

Plans:

Another key factor to consider is the type of plans offered by each provider. Empire Blue Cross Blue Shield offers a variety of plans, including HMO, PPO, EPO, and POS. This allows customers to choose a plan that fits their unique needs, whether they prefer a more restricted network (HMO) or more flexibility with out-of-network providers (PPO). Health Plus, on the other hand, primarily offers Medicaid and Medicare plans, but they do offer some commercial plans as well. Their plans tend to be more affordable than those offered by Empire Blue Cross Blue Shield, but they may not offer the same level of coverage.

Customer Service:

When it comes to customer service, both Empire Blue Cross Blue Shield and Health Plus have received mixed reviews. Empire Blue Cross Blue Shield has been criticized for long wait times and a lack of responsiveness, while Health Plus has been praised for their quick response times and helpfulness. Ultimately, the quality of customer service can vary depending on the individual representative, but it’s still an important factor to consider when choosing a provider.

Reputation:

Finally, it’s important to consider the reputation of each provider. Empire Blue Cross Blue Shield has been in business for over 80 years and is one of the most established health insurance companies in the United States. They have a solid reputation for providing quality coverage and have received high ratings from independent rating agencies such as A.M. Best. Health Plus, on the other hand, is a newer provider that has only been around for about 30 years. While they don’t have the same level of experience as Empire Blue Cross Blue Shield, they have still received positive reviews from customers and have a good reputation.

Conclusion:

Choosing a health insurance provider can be a daunting task, but by considering factors such as network, plans, customer service, and reputation, you can make an informed decision. Empire Blue Cross Blue Shield offers a wide range of plans and a large network, but they may not be the most affordable option. Health Plus has a smaller network and primarily offers Medicaid and Medicare plans, but their plans tend to be more affordable. Ultimately, the choice between these two providers will depend on your individual needs and preferences.