Pali makampani ambiri a inshuwalansi ku US Ambiri amagwiritsa ntchito malo ochepa a dera lawo, pamene ena amawathandiza odwala kudutsa lonse. Palinso Medicaid ndi Medicare.
Pali asanu ndi limodzi mwa makampani akuluakulu a inshuwalansi: WellPoint, CIGNA, Aetna, Humana, United Healthcare ndi BlueCross BlueShield, ngakhale kuti ntchitoyi ikugwira ntchito pa dziko.
Makampani aakulu asanu a inshuwaransi a inshuwalansi amawathandiza pafupifupi theka la anthu omwe ali ndi inshuwalansi kapena anthu oposa 100 miliyoni. Apa tikuyang'anitsitsa makampani asanu akuluakulu a inshuwalansi.
WellPoint, Inc.
WellPoint ili ndi mamembala okwana 34 miliyoni muzinthu zothandizana nazo zaumoyo komanso zoposa 70 miliyoni inshuwalansi pamene mabungwe ake akuphatikizidwa. Izi zimapangitsa WellPoint kukhala kampani yaikulu yothandizira inshuwalansi pa umoyo.
WellPoint inalengedwa kuchokera ku mgwirizano wa WellPoint Health Networks Inc. ndi Anthem, Inc., mu 2004.
WellPoint ili ku Indianapolis, Indiana. Ndiwe wothandizira payekha wa Blue Cross ndi Blue Shield Association omwe akutumikira ku California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New York, Ohio, Virginia, ndi Wisconsin.
Mapulani a WellPoint amachita bizinesi monga Anthem Blue Cross, Anthem Blue Cross ndi Blue Shield, Blue Cross ndi Blue Shield ya Georgia, Empire Blue Cross Blue Shield, kapena Empire Blue Cross (m'madera otumikira ku New York).
WellPoint imathandizanso makasitomala m'dziko lonse monga UniCare.
Mmodzi mwa anthu asanu ndi anayi a ku America ali ndi inshuwalansi kudzera mu WellPoint.
Mapulani osamalira bwino a WellPoint ndi awa: mabungwe opatsa operekera (PPOs); mabungwe okonza zaumoyo, (HMOs); ndondomeko ya pulogalamu ya utumiki (POS); Ndondomeko zapadera zothandizira anthu komanso njira zina zowonjezera, kuphatikizapo ndondomeko za umoyo wogulitsa (CDHPs); ndi chipatala chokha komanso zopindulitsa zopindulitsa.
Kampaniyi imaphatikizapo mautumiki ogwira ntchito osamalira ndalama, kuphatikizapo kukonza malingaliro, kulembedwa, kulembedwa kwa inshuwalansi, ntchito zowonjezereka, kupereka chithandizo kwa madokotala, kayendetsedwe ka ndalama, kulondolera matenda, mapulogalamu abwino ndi zina zothandizira.
Makampani othandizira amapereka zinthu zamtengo wapatali ndi zina ndi zina monga ntchito ya inshuwalansi ya moyo ndi ulemala, mano, masomphenya, mautumiki opindulitsa azaumoyo, kayendetsedwe kabwino ka chithandizo cha radiology, chitsogozo cha umoyo waumwini, chithandizo cha inshuwalansi ya nthawi yaitali, nkhani.
CIGNA Health Insurance Company
Amakhala ku Philadelphia, Pa., CIGNA mbiri ya zaka zoposa 125. Makampani a revenues (a December 2011) ndi $ 21.3 biliyoni.
CIGNA ili ndi malipiro 11,4 miliyoni ku US ndi 7,6 miliyoni kunja kwa US (m'mayiko 29 osiyana) ndipo ikuwerengedwa Nambala 129 pa List Of Fortune 500.
Mu 2010, CIGNA inagwiritsidwa ntchito ndi madokotala 119 miliyoni.
CIGNA ili ndi magawo atatu:
- CIGNA HealthCare imapereka chithandizo cha umoyo kwa makampani onse komanso anthu, kupereka mankhwala, mazinyo, khalidwe labwino, mankhwala, ndi chithandizo cha masomphenya.
- CIGNA Group Inshuwalansi ndi mmodzi wa operewera kwambiri omwe ali olemala ku gulu, moyo ndi ngozi ku United States.
- CIGNA International ikupereka inshuwalansi ya umoyo, ngozi ndi yowonjezera inshuwalansi komanso chithandizo chamankhwala chapadera komanso zokhudzana ndi inshuwalansi zothandizira anthu ogwira ntchito m'mayiko osiyanasiyana ochokera kunja.
Aetna
Aetna inakhazikitsidwa mu 1853 ku Hartford, Conn., Ndipo imapereka chithandizo chamankhwala, mano, mankhwala, moyo wa gulu, inshuwalansi yalemala, ndi ntchito za antchito. Lili ndi mamembala pafupifupi 18 miliyoni a zamankhwala, mamembala 13,500 a mano, ndi mamembala 8.5 miliyoni a mankhwala.
Wa inshuwalansi amapereka madalitso kudzera mwa olemba ntchito m'maiko onse 50, ndi zinthu ndi ntchito zomwe zimagwiritsidwa ntchito makamaka kwa olemba ntchito aang'ono, omwe ali pakati pa adiresi ndi akuluakulu.
Aetna amatumikira nawo Medicare ndi Medicaid m'misika ina. Ndalama za Aetna za 2010 zinali $ 34,246 miliyoni, pansi pa 1.5% kuchokera chaka chatha.
Humana
Zomwe zinakhazikitsidwa mu 1961 ndipo zikukhala mumzinda wa Louisville, Ky., Humana zinayamba ngati nyumba yosungirako anthu okalamba ndipo zinakula kufikira zipatala zoposa 100 musanayambe kugwira nawo ntchito zaumoyo.
Humana ali ndi anthu 10.2 miliyoni azachipatala ndipo ndi Nambala 73 pa mndandandanda wa Magazini a Fortune a makampani aakulu kwambiri a US, omwe amawerengedwa ndi ndalama za pachaka.
Humana amapereka mautumiki osiyanasiyana ndi mapulani kuphatikizapo:
- Mapulani a Humana Medicare , omwe amagwiritsidwa ntchito ndi odwala
- Humana One, inshuwalansi yapadera ndi mapulani osiyanasiyana
- Humana One Mankhwala ndi Masomphenya
- Humana One Life and Supplemental Inshuwalansi, yomwe imapereka zokhudzana ndi moyo wokhazikika, kulandira malipiro a chipatala, ndi ndondomeko zokhudzana ndi matenda enaake. HumanaDental, kwa olemba ntchito
- HumanaVisionCare
Wothandizira zaumoyo amaperekanso makampani opindula a pharmaceutical, Humana Pharmacy Solutions, omwe amathandizidwa ndi kampani ya Fortune 100 ndipo ndi imodzi mwa ma PBM omwe ali ndi mphamvu kwambiri.
Humana Pharmacy Solutions 'ntchito ndi kupereka anthu kupeza mankhwala omwe akufunikira pamene akupereka chithandizo pa mankhwala omwe amatsimikiziridwa, omwe ali ndi mankhwala omwe amachititsa kuti chiwerengero chawo chikhale chamtengo wapatali.
United Healthcare
UnitedHealthcare ndi kugawidwa kwa UnitedHealth Group, chithandizo chachikulu kwambiri cha zaumoyo ku United States. Kampaniyo inakhazikitsidwa mu 1977 kupyolera kukonzanso kwa Charter Med Inc., yomwe inakhazikitsidwa mu 1974.
Kampaniyi imapereka mankhwala ndi mautumiki kwa anthu 70 miliyoni a ku America ndi mapulogalamu ake oyang'anira mankhwala amapereka mwayi wodula mankhwala osokoneza anthu 13 miliyoni.
United Healthcare ili ndi magulu atatu:
- UnitedHealthcare Employer & Munthu aliyense amapereka ndondomeko zopindulitsa ndi njira zothandizira pothandizira odzipereka kwa ogwira ntchito, ogwira ntchito zosiyanasiyana komanso ogwira ntchito zadziko ndikugwirizanitsa ntchito zothandizira zaumoyo ndi mautumiki m'malo mwa antchito aang'ono mpaka pakati, mabanja.
- UnitedHealthcare Medicare & Retirement ndi bizinesi yaikulu kwambiri m'dzikoli lodzipereka kuti likwaniritse zosowa za okalamba.
- UnitedHealthcare Community & State ikuthandizira ndi kuyang'anira ntchito zothandizira zaumoyo kwa mapulogalamu operekedwa ndi boma ndi Medicaid ndi othandizira awo.
Ndalama za kampaniyi m'gawo loyamba la chaka chino zinali $ 25,432 miliyoni, kuchokera pa $ 23,193 miliyoni m'gawo loyamba la 2010.
United Healthcare ali pa chiwerengero cha 22 mu mndandanda wa Fortune 500 wokhudzana ndi ndalama. Inalandira mndandanda wa No. 1 wa Zatsopano mu Inshuwalansi ndi Kasamalidwe ka Kasamalidwe ka Fortune Magazini a 2011 a mndandanda wa Makampani a World Admired Makampani.