Kunezinkampani eziningi zomshuwalense wezempilo e-US Abaningi abaphatha indawo encane yesifunda, kuyilapho abanye beqinisekisa iziguli ezweni lonke. Kukhona futhi iMedicaid neMediare.
Kunezinkampani eziyisithupha zempilo yomshuwalense omkhulu: WellPoint, CIGNA, Aetna, Humana, United Healthcare kanye neBlueCross BlueShield, nakuba lesi sigaba sisebenza ngokusemthethweni.
Izinkampani ezinhlanu ezinkulu zomshuwalense wezempilo ziqinisekisa abantu abangaphansi kwesigamu noma abantu abangaphezu kwezigidi eziyikhulu. Lapha sibheka izinkampani ezinkulu zomshuwalense ezinhlanu zempilo.
I-WellPoint, Inc.
I-WellPoint inamalungu ayizigidi ezingu-34 ezinhlelweni zayo ezempilo kanye nezinkampani ezingaphezu kwezigidi ezingu-70 lapho i-subsidiaries yayo ifakiwe. Lokhu kwenza i-WellPoint inkampani enkulu yomshuwalense wezempilo ngokubambisana.
I-WellPoint yadalwa ngokuhlanganiswa kwe-WellPoint Health Networks Inc. ne-Anthem, Inc., ngo-2004.
I-WellPoint ihlelwe e-Indianapolis, e-Indiana. Ungumnikazi welayisensi ozimele we-Blue Cross neBlue Shield Association ekhonza amalungu eCalifornia, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia naseWisconsin.
Izinhlelo ze-WellPoint zenza ibhizinisi njenge-Anthem Blue Cross, i-Anthem Blue Cross ne-Blue Shield, i-Blue Cross ne-Blue Shield yaseGeorgia, i-Empire Blue Cross Blue Shield, noma i-Empire Blue Cross (ezindaweni zaseNew York service).
I-WellPoint iphinde isebenze amakhasimende kulo lonke izwe njengo-UniCare.
Omunye kwabayisishiyagalolunye baseMelika u-insured nge-WellPoint.
Izinhlelo zokunakekelwa eziphethwe kahle ze-WellPoint zihlanganisa: izinhlangano ezihlinzekwayo ezihlinzekwayo (ama-PPOs); izinhlangano zokugcinwa kwezempilo, (HMOs); amaphuzu we-point-of-service (POS); izinhlelo zendabuko kanye nezinye izinhlelo ze-hybride, kuhlanganise nezinhlelo zempilo eziqhutshwa ngumthengi (CDHPs); kanye nemikhiqizo yokuhlomula kuphela kanye nokulinganiselwe.
Le nkampani ihlanganisa nezinsizakalo zokunakekelwa eziphathekayo kumakhasimende azimele, kufaka phakathi ukucubungula izimangalo, ukubhaliswa phansi, ukushiya umshuwalense wokulahlekelwa, izinsizakusebenza, ukutholakala kwenethiwekhi yomhlinzeki, ukuphathwa kwezindleko zezokwelapha, ukuphathwa kwezifo, izinhlelo zezempilo kanye nezinye izinsizakalo zokuphatha.
Izinkampani ezihlangene zihlinzeka ngezici eziningi ezikhethekile kanye neminye imikhiqizo nezinsizakalo ezifana nezinzuzo zomshuwalense wokuphila nokukhubazeka, amazinyo, umbono, izinsizakalo zezempilo zokuziphatha, ukuphathwa kwezibonelelo ze-radiology, isiqondiso sokunakekelwa kwempilo yomuntu siqu, umshwalense wokunakekelwa isikhathi eside, nokusebenzisa imali ama-akhawunti.
I-CIGNA Health Insurance Company
Ezindaweni zasePhiladelphia, Pa., Umlando we-CIGNA uhamba emuva eminyakeni engaphezu kwengu-125. Izimali zenkampani (kusukela ngoDisemba 2011) ziyi-$ 21.3 billion.
I-CIGNA inezigidi ezingu-11,4 ze-insurea e-US kanye nezinye izigidi ezingu-7.6 ngaphandle kwe-US (emazweni angu-29 ahlukene) futhi zibalwa ngaphansi kweNombolo 129 ohlwini lwe-Fortune 500.
Ngo-2010, i-CIGNA iqhutshwe izimangalo zezigidi ezingu-119 zezokwelapha.
I-CIGNA inezigaba ezintathu:
- I-CIGNA HealthCare inikeza izinhlelo zempilo nezinsizakalo kuzo zombili izinkampani kanye nabantu ngabanye, ukuhlinzeka ngezokwelapha, amazinyo, impilo yokuziphatha, ikhemisi kanye nokubheka ukunakekelwa kombono.
- I-CIGNA Group Insurance ingomunye wabahlinzeki abaphezulu beqembu lokukhubazeka, ukuhlinzeka ngempilo nokulimala e-United States.
- I-CIGNA International inikeza umshuwalense wezempilo, engozini kanye neyengezelayo kanye nokunakekelwa kwezempilo okukhethekile kanye nezinzuzo zomshuwalense wemisebenzi ehlobene nokuxoshwa kwabasebenzi bezinkampani ezizweni eziningi ezivela phesheya.
I-Aetna
I-Aetna yasungulwa ngo-1853 eHartford, Conn., Futhi inikeza ukunakekelwa kwempilo, amazinyo, ikhemisi, impilo yeqembu, umshuwalense wokukhubazeka, kanye nezinzuzo zomsebenzi. Unamalunga angama-18 wezidakamizwa, amalunga amazinyo ayizigidi ezingu-13,5, namalungu ayi-8.5 million ekhemisi.
Umshuwalense unikeza izinzuzo ngokusebenzisa abaqashi kuzo zonke izifunda ezingu-50, ngemikhiqizo kanye nezinsizakalo ezibhekiswe ikakhulukazi kubaqashi bamazwe abancane, abaphakathi nendawo enkulu nabaningi bezwe.
I-Aetna iphinde isebenzise abahlomuli beMedare and Medicaid kwezinye izimakethe. Imali ka-Aetna ka-2010 yayiyizigidi ezingu-34,246 zamaRandi, ngaphansi kwe-1.5% kusukela ngonyaka odlule.
Humana
Eyasungulwa ngo-1961 futhi eyayihlala e-Louisville, Ky., Humana yaqala njengendlu eyodwa yokuhlengikaza futhi yakhula yaba izibhedlela ezingaphezu kwezingu-100 ngaphambi kokuzibandakanya ezenzweni zezempilo.
U-Humana unezigidi ezingu-10.2 zezokwelapha futhi yiNombolo 73 ohlwini lwama-Fortune umagazini wezinkampani ezinkulu kakhulu zase-US, ezibalwa ngemali engenayo yonyaka.
I-Humana inikeza izinsiza eziningi nezinhlelo ezihlanganisa:
- Izinhlelo ze-Humana Medicare , zabathengi abafanelekayo
- I-Humana One, umshuwalense ngamunye onamacebo amaningi
- I-Humana One Amazinyo & Umbono
- I-Humana One Life and Supplemental Insurance, ehlinzeka ngamalungiselelo okuphila okuzimele, esibhedlela, kanye nezinqubomgomo ezihloselwe izifo ezithile. I-HumanaDental, kubaqashi
- I-HumanaVisionCare
Umhlinzeki wezempilo uphinde unikeze imenenja yokuhlomula ekhemisi, i-Humana Pharmacy Solutions, esekelwe inkampani ye-Fortune 100 futhi ingenye ye-PBM ephezulu kakhulu yezwe.
I-Humana Pharmacy Solutions 'umgomo ukunikeza amalungu ukufinyelela emtholampilo abayidingayo ngenkathi enikeza isiqondiso emitholampilo eqinisekisiwe, yokwelashwa okulinganayo okuletha inani elingcono kunelungu nomqashi.
I-United Healthcare
I-UnitedHealthcare iyisigaba sokusebenza se-UnitedHealth Group, isikhulu esiphezulu sezokwelapha e-United States. Le nkampani yasungulwa ngo-1977 ngokuhlelwa kabusha kweCharter Med Inc., eyasungulwa ngo-1974.
Le nkampani inikeza imikhiqizo kanye nezinsizakalo kubantu baseMelika abangaba yizigidi ezingu-70 kanye nezinhlelo zokuphatha izidakamizwa zinikeza ukufinyelela okungabizi kakhulu kwezidakamizwa kubantu abayizigidi ezingu-13.
I-United Healthcare inezigaba ezintathu:
- Umqashi we-UnitedHealthcare & Individual unikeza izinhlelo zokuhlomula kanye nezixazululo zesevisi ngesisekelo esizinikezele kubaqashi abakhulu, abaningi nabasemhlabeni futhi baqondisa izinzuzo zokunakekelwa kwezempilo ezisekelwa inethiwekhi kanye nezinsizakalo egameni labaqashi abancane nabaphakathi, ngabanye, abafundi kanye imindeni.
- I-UnitedHealthcare Medicare & Umhlalaphansi yiyona ibhizinisi elikhulu kunazo zonke esizweni esizinikele ekuhlangabezaneni nezidingo ezikhulayo zabasebekhulile.
- I-UnitedHealthcare Community & State ihlinzeka futhi ilawula izinsizakalo zokunakekelwa kwezempilo ngezinhlelo zomphakathi ezixhaswe nguhulumeni kanye neMedicaid kanye nabazuzi babo.
Imali yenkampani engxenyeni yokuqala yalonyaka yayiyizigidi eziyizigidi ezingama-25,432, kusuka phezulu ku-$ 23,193 wezigidi engxenyeni yokuqala ka-2010.
I-United Healthcare ibhekwe inombolo yeNombolo engu-22 ohlwini lwama Fortune 500 ngokusekelwe emalini. Yathola futhi inombolo yeNombolo 1 ye-Innovation ku-Insizakalo Yomshuwalense Nokwengamela Okulawulwayo ohlwini luka-Fortune umagazini ka-2011 wezinkampani eziningi ze-World Admired Companies.