Which Areas Do The Providers Excel In?

January 21, 2014

We’ve talked before about our top choices for health insurance providers in California. Today, it’s time for a more in-depth look at what each of those providers bring to the table in the way of excellence. Knowing the providers that align with your own personal priorities can help make a difficult decision just a bit easier.


Anthem Blue Cross

  • Low Premium Prices: Blue Cross offers some of the lowest premiums around, with prices starting around $100 for a young, non-smoking individual.
  • 360-Degree Health: This program gives you access to what Blue Cross calls a “total health solution,” including online health assessments, health/treatment information, and access to nurses, dietitians and pharmacists to get the support you need.

  • Live Chat: In addition to a great website, Blue Cross offers the ability to chat with an agent directly from your web browser.

Kaiser Permanente

  • Health Savings Accounts: These accounts work much like a debit card and allow you to set aside tax free money for health related needs. While many providers offer HSAs, Kaiser allows you to use them for a wider variety of services not typically covered by health plans.

  • Wellness Plans: Kaiser really puts the health of their clients first. An online database offers thousands of articles, programs and interactive information about a wide range of health topics.

  • Great Customer Service: Kaiser has some of the best customer service in the business with a staff of highly trained representatives ready to answer any questions you might have.

Blue Shield

  • Lots of Choices: Blue Shield offers plenty of plans in all tier levels, allowing you to compare prices and benefits easily.

  • Self-Referrals: With Blue Shield, you won’t need a referral from a primary care doctor in order to see a specialist.

  • Blue Ribbon Program: The Blue Ribbon program recognizes and identifies great physicians in an effort to help you choose from the best of the best.

Health Net

  • Complementary Programs for Medicare Advantage Members: These programs include home monitoring and information and treatment for musculoskeletal conditions.

  • Pregnancy Support: Once considered a pre-existing condition, pregnancy is now not only covered but fully supported with books, courses and educational materials for pregnancy, labor and delivery.

  • Care Alerts: Health Net provides reminders for immunizations, medications and health screenings in an effort to stay connected to their clients.


  • Provider Network: Humana places a high value on offering a vast array of in-network providers and medical facilities and understands the need for access to medical care wherever you are.

  • Optional Disability Insurance: Add disability insurance to your health care plan to ensure you’ll be able to pay your bills if you can’t work. The insurance covers up to two-thirds of your weekly salary.

  • Client Discounts: Weight-loss programs, smoking cessation programs and even some over-the-counter medications are available at a lower rate just for being a Humana customer.

The Affordable Care Act has mandated what must be covered by an insurer, but these providers go above and beyond the directives to ensure your health truly comes first.

For more information, check out our detailed guide to Covered California, and contact us with any questions. At Dave Terpening Insurance, we’ll go above and beyond for you!

Post author Loren Pleet