Bonded senior keep each other strong at death row now, Please keep us together or will we die together?
Top 10 health insurance companies in the US
In the US, there are a host of private healthcare insurance specialists. However, life/annuity and property/casualty insurers also write this coverage, often referred to as accident and health insurance, as outlined by the Insurance Information Institute.
In 2018, the accident and health insurance industry’s direct written premiums reached $1.1 trillion, up by 57.3% from 2009. The largest 10 insurers collectively wrote 51.8% of the total US market, according to the National Association of Insurance Commissioners (NAIC).
Listen in: Sign up for our IB Talk podcasts to get the most in-depth insurance discussions
Based on NAIC’s 2018 data, here are the top 10 accident and health insurance groups:
1. UnitedHealth
Direct Written Premiums: $156.9 billion
Market Share: 14.2%
A diversified health and well-being company, UnitedHealth Group’s core capabilities are clinical expertise, advanced technology, and data and health information.
UnitedHealth Group serves clients and consumers in the US and more than 130 other countries through two distinct platforms: UnitedHealthcare provides healthcare coverage and benefits services, while Optum provides information and technology-enabled health services. The group invests more than $3.5 billion in technology and innovation and processes approximately 1.1 trillion transactions annually.
2. Kaiser Foundation
Direct Written Premiums: $93.2 billion
Market Share: 8.5%
Kaiser Foundation Health Plan, Inc. operates as a non-profit healthcare organization. The organization offers allergy, audiology, cardiology, dermatology, oncology, hospice, laboratory, nephrology, occupational therapy, pain management, pediatric rehabilitation, and pharmacy services. The company serves patients in the US.
3. Anthem, Inc.
Direct Written Premiums: $67.2 billion
Market Share: 6.1%
Anthem, Inc. is a health benefits company that is committed to improving lives and communities and making healthcare simpler. Anthem, through its affiliated companies, serves more than 78 million people, including over 41 million within its family of health plans. It aims to be the most innovative, valuable, and inclusive partner.
The group’s affiliated health plans have created various HMOs, PPOs, network-based dental products, various hybrid and specialty products, and health plan services that combine the attributes consumers find attractive with effective cost control techniques. Individual members and employer groups can select from basic and comprehensive plans to meet their specific needs. A wide range of related specialty products and other services is also available, including flexible spending accounts and COBRA administration.
4. Humana
Direct Written Premiums: $56 billion
Market Share: 5.1%
Humana’s cultural foundation is aligned to helping members achieve their best health by providing personalized, simplified, whole-person healthcare experiences. Recognizing that each person, family, and community’s healthcare needs continue to evolve, Humana creates innovative solutions and resources to help people live their healthiest lives on their terms – when and where they need it.
5. CVS
Direct Written Premiums: $55.4 billion
Market Share: 5.0%
CVS Health is a healthcare innovation company with a purpose to help people on their path to better health. Through its health services, plans, and community pharmacists, it pioneers a new approach to total health.
CVS has more than 9,800 retail locations, nearly 1,100 walk-in medical clinics, a pharmacy benefits manager with about 93 million plan members, a diversified healthcare benefits company serving about 22.2 million medical members, a dedicated senior pharmacy care business serving more than one million patients per year, expanding specialty pharmacy services, and a standalone Medicare Part D prescription drug plan.
6. HCSC
Direct Written Premiums: $36.9 billion
Market Share: 3.4%
Health Care Service Corporation (HCSC), a mutual legal reserve company, is the largest customer-owned healthcare insurance company in the US. The company serves more than 16 million members across five states – Illinois, Montana, New Mexico, Oklahoma, and Texas – and employs more than 23,000 people in over 60 local offices.
HCSC offers a wide variety of life and health insurance products and related services through its affiliates and subsidiaries, including Dearborn Group, Dental Network of America, HCSC Insurance Service Company, Medecision, Availity, Prime Therapeutics, and TriWest Healthcare Alliance.
7. Centene Corp
Direct Written Premiums: $36.3 billion
Market Share: 3.3%
Centene Corporation, a Fortune 500 company, is a diversified, multinational healthcare company providing a portfolio of services to government-sponsored healthcare programs, focusing on uninsured and underinsured individuals. It operates in 32 states and three international markets and has more than 15 million managed care members.
Centene operates local health plans and provides a range of health insurance solutions. Also, it contracts with other healthcare and commercial organizations to offer specialty services, ranging from behavioral health, dental benefits, life and health, and pharmacy benefits management to care management software, correctional healthcare services, in-home health services, managed vision, specialty pharmacy, and telehealth services.
8. Cigna Health
Direct Written Premiums: $29.3 billion
Market Share: 2.7%
Cigna Corporation is a global health service organization with more than 165 million customer and patient relationships in over 30 countries and jurisdictions. Its insurance plans and products include healthcare insurance for individuals and families, dental insurance plans, Medicare plans, Medicare supplemental plans, other supplemental insurance, and international health insurance.
9. WellCare
Direct Written Premiums: $20.5 billion
Market Share: 1.9%
WellCare Health Plans, Inc. focuses on delivering government-sponsored managed care services to individuals, families, children, and seniors with complex medical needs primarily through Medicaid, Medicare Advantage and prescription drug plans, as well as individuals in the health insurance marketplace. WellCare serves about 6.4 million members nationwide as of Sept. 30, 2019.
10. Molina Healthcare, Inc.
Direct Written Premiums: $18.5 billion
Market Share: 1.7%
Molina Healthcare, a Fortune 500 company, exclusively focuses on government-sponsored healthcare programs for qualified individuals and families. The company contracts with state governments and serves as a health plan providing a wide range of quality healthcare services to individuals and families.
Molina provides health plans in California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, South Carolina, Texas, Utah, Washington, Wisconsin, and Puerto Rico. The company also offers a Medicare product and has been selected in many states to join in dual demonstration projects to manage the care for those eligible for Medicaid and Medicare.
Please keep us together, these two seniors are available now for rescue. They're a couple of old true blue oldie friends who need each other.
The short haired one seems to have a sense that the long haired dog, being sight impaired, needs him close.
Black/brown short haired dog #A539377
Long haired brown dog: #A539376
San Bernardino City Animal Shelter (909) 384-1304
Shelter hours are Tues-Sat 10AM to 4:30PM Closed Sunday/Monday and legal holidays
Shelter location is 333 Chandler Place, San Bernardino, CA
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Unloved Dog Covered in Cancerous Tumors Is Unrecognizable After Miraculous HealingThe poor dog’s whole body was covered in cancerous tumors, many of which were also open and infected...
Being a stray dog is a hard and often tragic life. With no one to care for them, many homeless dogs suffer from exposure, hunger, and untreated medical issues.
Some cities have more strays than others, and in Mexico City, there are over a million stray dogs wandering the streets, looking to survive. And for one of them back in early 2015, the odds of survival were not good.
This dog was in so much trouble that one passerby was compelled to scoop the dog up right then and there and get him some help. The poor dog’s whole body was covered in cancerous tumors, many of which were also open and infected.
He was also severely malnourished. And people had been walking right by him all this time. Most people probably thought the poor dog was a lost cause, and he certainly looked like one.
But just because a dog (or a person, many times) looks hopeless, it doesn’t mean that they can’t spring back, sometimes astoundingly, like the dog who frolicked like a puppy after having a huge tumor removed.
The rescuer took the sick dog to local animal rights activist Dalia Gamez, who adopted him, named him Boby, and set about getting him the treatment he desperately needed.
But no one could have foreseen the amazing transformation Boby would undergo.
In February 2015, this dog was spotted on the streets of Mexico City, covered in raw, cancerous tumors and starving. The person who spotted him was instantly heartbroken, and decided to at least try to save him.
The dog was taken to Dalia Gamez, an animal rights activist in the area, who immediately took him in and named him Boby. She knew that his situation was dire, and that he needed medical help immediately.
At the vet’s office, it was determined that he was about two years old, and that his tumors were definitely cancerous. He was prescribed chemotherapy, but the vets and Dalia were concerned that the aggressive treatment might be too much for his frail body. But they knew they had to try.
Dalia did her best to keep Boby’s spirits up through the ordeal, which would include eight chemo sessions in two months. During that time, it was still unclear whether he would survive.
Dalia decided to share Boby’s story online, and stayed by his side through the chemotherapy.
That companionship and care was probably a wonderful medicine itself. And after the chemo was over, Boby started to reveal himself as a whole new dog.
His tumors disappeared and his fur began to grow back shiny and thick over any scar tissue, covering it completely. Additionally, he’d gotten back up to a healthy weight. Looking at him in this photo, you wouldn’t even recognize him!
He got his energy back, too, and was able to run, jump, and play, just like a young dog his age should be able to. And after seeing his transformation, he also became somewhat of a local celebrity — Gamez’s neighbors even waited in line for a chance to meet him!
And luckily, his fame was a blessing. It helped Gamez find him a new home with a loving family. Gamez was sad to see him go, of course, but knew that he would be in good hands.
Boby’s transformation shows us that even when things start out rough (like, really rough), there’s still hope for a bright outcome!
SHARE Boby’s story with anyone who loves seeing a real-life miracle.
Being a stray dog is a hard and often tragic life. With no one to care for them, many homeless dogs suffer from exposure, hunger, and untreated medical issues.
Some cities have more strays than others, and in Mexico City, there are over a million stray dogs wandering the streets, looking to survive. And for one of them back in early 2015, the odds of survival were not good.
He was also severely malnourished. And people had been walking right by him all this time. Most people probably thought the poor dog was a lost cause, and he certainly looked like one.
But just because a dog (or a person, many times) looks hopeless, it doesn’t mean that they can’t spring back, sometimes astoundingly, like the dog who frolicked like a puppy after having a huge tumor removed.
But no one could have foreseen the amazing transformation Boby would undergo.
The dog was taken to Dalia Gamez, an animal rights activist in the area, who immediately took him in and named him Boby. She knew that his situation was dire, and that he needed medical help immediately.
That companionship and care was probably a wonderful medicine itself. And after the chemo was over, Boby started to reveal himself as a whole new dog.
Boby’s transformation shows us that even when things start out rough (like, really rough), there’s still hope for a bright outcome!
SHARE Boby’s story with anyone who loves seeing a real-life miracle.
Top 10 health insurance companies in the US
In the US, there are a host of private healthcare insurance specialists. However, life/annuity and property/casualty insurers also write this coverage, often referred to as accident and health insurance, as outlined by the Insurance Information Institute.
In 2018, the accident and health insurance industry’s direct written premiums reached $1.1 trillion, up by 57.3% from 2009. The largest 10 insurers collectively wrote 51.8% of the total US market, according to the National Association of Insurance Commissioners (NAIC).
Listen in: Sign up for our IB Talk podcasts to get the most in-depth insurance discussions
Based on NAIC’s 2018 data, here are the top 10 accident and health insurance groups:
1. UnitedHealth
Direct Written Premiums: $156.9 billion
Market Share: 14.2%
A diversified health and well-being company, UnitedHealth Group’s core capabilities are clinical expertise, advanced technology, and data and health information.
UnitedHealth Group serves clients and consumers in the US and more than 130 other countries through two distinct platforms: UnitedHealthcare provides healthcare coverage and benefits services, while Optum provides information and technology-enabled health services. The group invests more than $3.5 billion in technology and innovation and processes approximately 1.1 trillion transactions annually.
2. Kaiser Foundation
Direct Written Premiums: $93.2 billion
Market Share: 8.5%
Kaiser Foundation Health Plan, Inc. operates as a non-profit healthcare organization. The organization offers allergy, audiology, cardiology, dermatology, oncology, hospice, laboratory, nephrology, occupational therapy, pain management, pediatric rehabilitation, and pharmacy services. The company serves patients in the US.
3. Anthem, Inc.
Direct Written Premiums: $67.2 billion
Market Share: 6.1%
Anthem, Inc. is a health benefits company that is committed to improving lives and communities and making healthcare simpler. Anthem, through its affiliated companies, serves more than 78 million people, including over 41 million within its family of health plans. It aims to be the most innovative, valuable, and inclusive partner.
The group’s affiliated health plans have created various HMOs, PPOs, network-based dental products, various hybrid and specialty products, and health plan services that combine the attributes consumers find attractive with effective cost control techniques. Individual members and employer groups can select from basic and comprehensive plans to meet their specific needs. A wide range of related specialty products and other services is also available, including flexible spending accounts and COBRA administration.
4. Humana
Direct Written Premiums: $56 billion
Market Share: 5.1%
Humana’s cultural foundation is aligned to helping members achieve their best health by providing personalized, simplified, whole-person healthcare experiences. Recognizing that each person, family, and community’s healthcare needs continue to evolve, Humana creates innovative solutions and resources to help people live their healthiest lives on their terms – when and where they need it.
5. CVS
Direct Written Premiums: $55.4 billion
Market Share: 5.0%
CVS Health is a healthcare innovation company with a purpose to help people on their path to better health. Through its health services, plans, and community pharmacists, it pioneers a new approach to total health.
CVS has more than 9,800 retail locations, nearly 1,100 walk-in medical clinics, a pharmacy benefits manager with about 93 million plan members, a diversified healthcare benefits company serving about 22.2 million medical members, a dedicated senior pharmacy care business serving more than one million patients per year, expanding specialty pharmacy services, and a standalone Medicare Part D prescription drug plan.
6. HCSC
Direct Written Premiums: $36.9 billion
Market Share: 3.4%
Health Care Service Corporation (HCSC), a mutual legal reserve company, is the largest customer-owned healthcare insurance company in the US. The company serves more than 16 million members across five states – Illinois, Montana, New Mexico, Oklahoma, and Texas – and employs more than 23,000 people in over 60 local offices.
HCSC offers a wide variety of life and health insurance products and related services through its affiliates and subsidiaries, including Dearborn Group, Dental Network of America, HCSC Insurance Service Company, Medecision, Availity, Prime Therapeutics, and TriWest Healthcare Alliance.
7. Centene Corp
Direct Written Premiums: $36.3 billion
Market Share: 3.3%
Centene Corporation, a Fortune 500 company, is a diversified, multinational healthcare company providing a portfolio of services to government-sponsored healthcare programs, focusing on uninsured and underinsured individuals. It operates in 32 states and three international markets and has more than 15 million managed care members.
Centene operates local health plans and provides a range of health insurance solutions. Also, it contracts with other healthcare and commercial organizations to offer specialty services, ranging from behavioral health, dental benefits, life and health, and pharmacy benefits management to care management software, correctional healthcare services, in-home health services, managed vision, specialty pharmacy, and telehealth services.
8. Cigna Health
Direct Written Premiums: $29.3 billion
Market Share: 2.7%
Cigna Corporation is a global health service organization with more than 165 million customer and patient relationships in over 30 countries and jurisdictions. Its insurance plans and products include healthcare insurance for individuals and families, dental insurance plans, Medicare plans, Medicare supplemental plans, other supplemental insurance, and international health insurance.
9. WellCare
Direct Written Premiums: $20.5 billion
Market Share: 1.9%
WellCare Health Plans, Inc. focuses on delivering government-sponsored managed care services to individuals, families, children, and seniors with complex medical needs primarily through Medicaid, Medicare Advantage and prescription drug plans, as well as individuals in the health insurance marketplace. WellCare serves about 6.4 million members nationwide as of Sept. 30, 2019.
10. Molina Healthcare, Inc.
Direct Written Premiums: $18.5 billion
Market Share: 1.7%
Molina Healthcare, a Fortune 500 company, exclusively focuses on government-sponsored healthcare programs for qualified individuals and families. The company contracts with state governments and serves as a health plan providing a wide range of quality healthcare services to individuals and families.
Molina provides health plans in California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, South Carolina, Texas, Utah, Washington, Wisconsin, and Puerto Rico. The company also offers a Medicare product and has been selected in many states to join in dual demonstration projects to manage the care for those eligible for Medicaid and Medicare.
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