Insurance Plan reviews from Reddit
Summary
We analyzed 143 Reddit reviews across 43 subreddits and 57 posts to rank the best Insurance Plan brands recommended by redditors, including communities like r/fednews, r/LifeInsurance, r/oregon, r/personalfinance, r/BabyBumps. Top-rated brands include BCBS (4.4/5), GEHA (4.3/5), Term Insurance (4.2/5).
Stats
Reviews143
Subreddits43
Posts57
Brands78
Products47
143 reviews from
and
By Brand
/By Product
#1
BCBS
4.4
(18)
"$250 total for all of it."
"We paid a grand total of $0 dollars for her prenatal appointments."
"We were very happy with bcbs basic for my 2022/2023 pregnancy."
"I paid $250 total for my delivery and hospital stay with the BCBS basic plan."
"I paid $0 for my pregnancy and cesarean delivery in 2022."
"Have bcbs basic and just had a baby. ~$250 for the birth and hospital stay."
"I have had great results with blue cross blue shield."
"I picked the BCBS plan 4 because it’s almost identical to my current UHC plan 4 that they’re getting rid of in my state."
"PPO BC/BS works out the best, likely a gold plan."
"Am also enjoying BCBS Standard"
#2
GEHA
4.3
(9)
"I haven’t paid anything all pregnancy either."
"Highly recommend!"
"It's an extra retirement account in a way if you don't have to tap it."
"I think it will probably break even maybe better due to the tax savings."
"$250 a month."
"You get a $ amt towards your FSA on HDHP"
"It seems affordable as well"
"I have been happy with it."
"I would go for GEHA High for 2024. And then switch to HDHP for 2025 for triple tax advantages."
#3
Term Insurance
4.2
(5)
"My first step of advice is to at least start with a term insurance plan of 20 years minimum."
"Term insurance for sure. The most you can get without breaking the bank."
"If you are thinking about saving money up front then a term insurance or convertible insurance will offer the most insurance for least money up front."
"Term unless you have serious medical issues. With a child rider."
"It is better to just get a term insurance for the insurance coverage than just save and invest the rest."
#4
Insurance
4.0
(5)
"But he has great insurance so it was only an extra 5$ a week to add our son."
"Ultimately it would cost less to have our baby on my husband’s insurance so that’s what we’re going to go with."
"My insurance sounds the same as yours but it has an option for self plus child which is cheaper."
"We added our daughter to my insurance because it was better coverage and overall, cheaper every month."
"They ended up owing a lot more than they would have if baby was added to the mothers plan."
#5
Kaiser
4.5
(4)
"Kaiser standard is 0 dollars out of pocket for all pregnancy/birth related care including labor and delivery."
"After having a kid and only able to work part time I paid $200 a month for Kaiser."
"In the Bay Area there are two good options on the exchange: 1. Kaiser 2. Balance by CCHP."
"I have Kaiser prosper (cheapest plan) and really like it."
#6
MHBP
4.3
(4)
"Cover all of maternity care including delivery without having to meet the deductible."
"MHBP is where I am going."
"The copay is much lower on wegovy for the standard plan"
"MHBP or BCBS Basic."
#7
HDHP
4.0
(4)
"HDHP should come with an HSA option."
"Even if you're blowing through somewhere around $7000 a year out of pocket you are still ahead using the HDHP/HSA in that specific scenario."
"I went with HDHP and HSA because (1) I use very little health care, (2) the OOP max for HDHP was lower than for the other option."
"I go with HDHP because it allows me to have an HSA but if I could choose, I would switch back to PPO."
#8
Oregon Health Plan
5.0
(3)
"OHP is better than the insurance we lost."
"Go to your local health and human services office and apply for the Oregon Health Plan."
"Oregon has you covered."
#9
NALC
4.7
(3)
"It seems to be working really well for me."
"It's CIGNA providers."
"I think you should take a look NALC High."
#10
Niva Bupa
4.3
(3)
"They bet will never migrate to others."
"Niva Bupa"
"I have only heard good things about Niva Bupa but would recommend checking out HDFC Ergo Optima Secure as well."
#11
Aetna
2.8
(4)
"We had an absolute nightmare dealing with Anthem when my healthcare got complex, which is why we took a chance on the new to market Aetna plan this year."
"They are significantly cheaper but also limited compared to the Aetna plan FIU has."
"What yall think about aetna standard copay? Good for rotator cuff surgery?"
"Stay away from Aetna if you want to have at least some type of coverage for medication."
#12
Life Insurance
3.3
(3)
"Life insurance can be a smart part of your overall strategy, especially when considering the future."
"Life insurance is to insure not build wealth."
"Anything is more than nothing!"
#13
HDFC Ergo
5.0
(2)
"Hdfc ergo is most expensive but the best"
"Cashless claim was seamless."
#14
Carefirst
4.5
(2)
"I loved Care First when I had it for many years."
"Carefirst has $0 copays on therapy visits on their Standard and HDHP."
#15
Cigna
4.5
(2)
"That's who they use as well."
"I have a cigna dental savings plan. It’s like $100 a year."
#16
HealthCare.gov
4.0
(2)
"Look at healthcare.gov and see what subsidies she might qualify for."
"There are plans for Texas on HealthCare.gov that you might want to look at."
#17
Delta Dental
4.0
(2)
"I bought a personal plan from Delta Dental and it’s costing me about $600/yr."
"We have Delta Dental & United Healthcare dental coverage for our family."
#18
Foreign Service Benefit Plan
4.0
(2)
"Check out the foreign service benefit plan if you qualify."
"Check out the foreign service benefit plan if you qualify."
#19
Indexed Universal Life
4.0
(2)
"A universal index life will build wealth and provide a death benefit."
"Term is a good option. And IUL would likely be the first place I would look."
#20
High Deductible Health Plan
4.0
(2)
"I would still go with the HDHP. The $3,000 you're saving in premiums more than covers the difference in deductibles."
"It's cheaper to stay with the HDHP."
#21
HDFC
4.0
(2)
"HDFC click to protect is quite good."
"I think HDFC and all give decent coverage for approx 7000 p.a."
#22
AIA Philippines
4.0
(2)
"Guardian 1 and 65 of AIA Philippines. Message me for a quote."
"AIA Philippines have Guardian 65 which is a fixed premium term insurance."
#23
Variable Universal Life
2.5
(2)
"If we are staying specific to life insurance, VUL is the way to go."
"Whatever you do, dont get a VUL."
#24
Whole Life Insurance
2.5
(2)
"If you are young a whole life insurance would probably be the best if you can afford it."
"Lose half of your money, savings and growth to fees and salesman commission."
#25
Max Life
5.0
(1)
"Excellent death benefits, high claim settlement ratio."
#26
MetLife
5.0
(1)
"We have MetLife with the preventative package and it’s great."
#27
Health Savings Account
5.0
(1)
"As an insurance broker for high net worth individuals a hsa is almost always your best option."
#28
529 Plan
5.0
(1)
"You’ll be much better off investing in a 529 and/or brokerage account for your kids."
#29
MassMutual
5.0
(1)
"Both of my kids have 100k max funded plans from MassMutual."
#30
Blue Cross
5.0
(1)
"Saved a ton in the long run."
#31
Aflac
5.0
(1)
"Definitely worth it."
#32
LIC
5.0
(1)
"LIC Tech Term."
#33
Tata
4.0
(1)
"You will get amazing price and wait period is very less."
#34
Bajaj Allianz
4.0
(1)
"Go for Bajaj Allianz."
#35
Permanent Insurance
4.0
(1)
"You shouldn’t think about permanent insurance until you have at least 10x your salary in term insurance - preferably 20x."
#36
Blue Cross Blue Shield HSA Plans
4.0
(1)
"Thanks a lot to all. I will look into BS/BC HSA plans."
#37
MHBP Standard
4.0
(1)
"MHBP Standard"
#38
BCBS CareFirst Standard
4.0
(1)
"I have been bcbs carefirst standard."
#39
Endowment Plans
4.0
(1)
"Madaming Endowment plans that can serve as educational funding."
#40
Indexed Universal Life Insurance
4.0
(1)
"If you are thinking long term and want to pass on the most then an IUL would work really well."
#41
Aetna EPO
4.0
(1)
"I have the Aetna EPO now."
#42
Online Therapy Providers
4.0
(1)
"If you're just looking for therapy rather than prescribing, I'd honestly check out one of the online providers if you're in DC."
#43
Fertility Supplemental Insurance
4.0
(1)
"Do they offer supplemental fertility insurance (example: Progyny)? That will make a huge difference."
#44
Seven Corners
4.0
(1)
"Seven Corners is what I always get for my parents."
#45
Allianz
4.0
(1)
"Allianz. They also have an annual coverage insurance."
#46
Whole Life Policy
4.0
(1)
"We started a whole life policy (NOT UNIVERSAL LIFE) on my son at 2 weeks old."
#47
Whole Life Policies
4.0
(1)
"I’m a fan of whole life policies just because you have it forever."
#48
Blue Focus
4.0
(1)
"Blue Focus combined w an HSA has been good to my wife and I."
#49
Aanvullende Verzekering
4.0
(1)
"Take a basic "aanvullende verzekering" these typically cover a dozen physiotheraphy session per year."
#50
Zion Health
4.0
(1)
"Zion health"
#51
Silver Plan
4.0
(1)
"The silver plans are usually the best for most people, considering premium, coverage, deductible, and out of pocket max."
#52
Wellcare
4.0
(1)
"I've had Wellcare NJ Medicaid for the last few years and it's been pretty great for me."
#53
United Healthcare
4.0
(1)
"I got a private insurance plan where they underwrite so you can’t have major health issues."
#54
Horizon
4.0
(1)
"Horizon is better based on the office I worked in, would often ask the patients to switch."
#55
FSBP
4.0
(1)
"We’re using FSBP. Low drama and excellent customer service."
#56
FEB Blue Focus
4.0
(1)
"I have had FEB Blue Focus since Jan 2021 after leaving Kaiser."
#57
Highmark
4.0
(1)
"It’s great."
#58
Healthy Paws
4.0
(1)
"Healthy Paws and Trupanion are both popular insurance companies"
#59
Reliance General Insurance
4.0
(1)
"I have my personal insurance from Reliance General Insurance (me+wife, Rs 10lac, no claims yet)"
#60
Trupanion
4.0
(1)
"Healthy Paws and Trupanion are both popular insurance companies"
#61
PPO
4.0
(1)
"I’d go with the PPO. Even with the increased premium, I think the amount you’d save by just paying co-pays would make up for how much extra deductible you need to pay."
#62
Aditya Birla
4.0
(1)
"Aditya Birla, BAJAJ all have good plans"
#63
Bajaj
4.0
(1)
"BAJAJ all have good plans"
#64
National
4.0
(1)
"Even National has."
#65
HDFC Life
4.0
(1)
"Go for an online Term Insurance from HDFC life."
#66
United
4.0
(1)
"I’ve only had United PPO since I started working 20+ years ago."
#67
Premera Blue Cross
4.0
(1)
"I have the Premera Blue Cross Health Savings Plan with HSA."
#68
Premera
4.0
(1)
"Covered mine."
#69
Gusto
4.0
(1)
"Definitely worth it"
#70
Harvard Pilgrim
4.0
(1)
"Very nice."
#71
Care
3.0
(1)
"Care is affordable."
#72
Kaiser Health Insurance
3.0
(1)
"Does anyone have Kaiser....never hear anything about that."
#73
Prudential
3.0
(1)
"I bought him a shield plan with those lite riders from Prudential that cost a lot cheaper."
#74
Blue Shield
3.0
(1)
"Blue Shield PPO is covering up to $90/session for us this year."
#75
Nationwide
3.0
(1)
"Ive had nationwide exotic pet insurance and its very uncommon to have a really bad accident or illness."
#76
Individual Extended Health Plan
2.0
(1)
"It’s almost impossible to get any value out of an individual extended health plan."
#77
Individual Health Plan
2.0
(1)
"Any individual health plan will cost more than the services you intend to use."
#78
Sun Life, Manulife, Canada Life, Ontario Blue Cross
2.0
(1)
"Individual plans are not great."
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