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Bright Health Insurance Review: Who Should Sign Up?

Bright HealthCare: Our thoughts

Bright HealthCare insurance is the best for those who are willing to save money on health insurance by having access to a smaller network of providers and no out-of-network access.

Plans are usually affordable, and in some states they may be the cheapest plans available. However, the trade-off is that the insurer only works with a limited number of affiliated doctors and health care facilities in each market it serves. Before signing up, it’s important to check if there are medical providers in your region that are covered by the insurance company.

Bright HealthCare also has a very high rate of dissatisfied members, which could mean you’ll be frustrated when managing your health care. According to the National Association of Insurance Commissioners (NAIC), the rate of complaints for Bright HealthCare is seven times higher than the national average, and on the Better Business Bureau (BBB), customers rated the company 1.44 out of five. Common complaints include poor customer service and denial of claims.

Plan options and costs

Bright HealthCare offers health insurance plans for individuals, families, small businesses and seniors. Policies are available through a state health insurance marketplace, Healthcare.gov and Medicare.gov, or you can purchase insurance directly from the company.

Individual and family health plans

Because the plans are compatible with the Affordable Care Act (ACA), they have the standard features of free preventative care, coverage for pre-existing conditions, and free pediatric dental and vision.

The main difference between Bright larger insurance companies is its narrow network of providers. Bright has what it calls a “carefully curated” network of “Care Partners”. This means that rather than trying to provide a broad selection of in-network providers, it strategically selects affiliate providers and facilities in each market. Insurance benefits are limited to these in-network

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