Bright Health Insurance Reviews: Is It Worth Your Money

Health Insurance is one the biggest Insurance cadre with thousands of companies selling different plans to cover different health challenges. Bright health insurance is one of these companies and we’d be reviewing all about it.

Hopefully, with the Bright health insurance reviews, you’d come to see reasons why you should buy their plan(s), or not. But before then, let’s take a look at these stats from Insurance Information Institute.

The U.S. insurance industry employed 2.9 million people in 2020, according to the U.S. Department of Labor. Of those, 1.7 million worked for insurance companies, including life and health insurers (962,500 workers).

This whooping number was only possible because more people are buying health insurance.

As of July 2017, HCCI held approximately 1 billion commercial medical and pharmacy claims per year, representing the health care activity of more than 50 million individuals per year for the years 2007 through 2016.

This figure has definitely grown, especially given the issue of Covid-19. Today, we’ve more than 90% of Americans with one form of health insurance plan or the other.

Bright Health Insurance sells some of these Health insurance plans and it is our aim to use this post, Bright health insurance reviews to see the pros and cons of buying insurance from them, and much more.

Before we get into this Bright insurance reviews properly, we’d like to give you a brief definition of insurance.

What is Insurance

Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risks to make payments more affordable for the insured.

Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party.

What is Bright health insurance?

Bright HealthCare is a five-year-old company selling insurance products in 14 states. It offers plans for individuals, small businesses, and Medicare Advantage. Individual insurance plans are about 15% cheaper than average, but members can only use a small network of medical providers.

Bright Health Insurance Is Best For These Options

People who desire a plan with no deductible should choose this option.
Those who require telehealth services, people who don’t expect to spend a lot of money on healthcare.

Pros

• Through its Care Partner networks, it focuses on personalized services.
• Plans are reasonably priced, and in some markets, the greatest offer available.
• Some plans have no deductibles at all.

Cons

• Coverage is only accessible in a few markets.
• There are a lot of complaints about customer service.

Bright Health Insurance, Plan Options and Costs

Individuals, families, small businesses, and seniors can all benefit from Bright HealthCare’s health insurance options. You can buy insurance directly from the firm or through a state health insurance marketplace, such as Healthcare.gov or Medicare.gov.

Individual and family health plans

Because the plans comply with the Affordable Care Act (ACA), they include basic benefits such as free preventative care, pre-existing condition coverage, and free pediatric dental and vision care.

Bright’s key distinction from larger insurance firms is its limited network of providers. Bright has a “well-chosen” network of “Care Partners,” according to the company. Rather than striving to provide a wide range of in-network providers, it selects affiliate providers and facilities deliberately in each market. Out-of-network health care services are not covered, and insurance benefits are confined to these in-network providers.

Another important feature of Bright HealthCare is its cost-effective plans. Not only are the monthly costs low, but some plans also have a zero deductible, lowering the overall cost of medical care.

A 30-year-old, for example, could pay $452 per month for Bright HealthCare’s Silver plan. This is $71 less than the statewide Silver plan average of $523. This is also $62 less than Ambetter’s Silver plans, which are likewise low-cost.

Choosing a plan with a limited network of providers isn’t ideal for people who want the most flexibility in terms of doctors and facilities. It’s also vital to examine the provider list if you have any unique medical issues to ensure that you’ll have easy access to the specialist care you require.

Bright HealthCare Availability

Bright HealthCare is a new company with limited access across the United States. It’s now available in 14 states, but not all of them have state-wide coverage. Some areas of the state may have better access to care than others due to the limited number of providers. The corporation operates in 99 markets across its 14 states of operation.

Some of the key areas where Bright HealthCare insurance coverage is available are listed below. Check the database of providers in your state or search for medical facilities near you to discover if your preferred medical providers are part of the Bright HealthCare network.

Members Resources and Unique Features

Bright insurance plans provide members with a variety of useful services. Not all features are accessible in all states or with all health insurance policies. These highlighted features, on the other hand, can help you get more value out of your insurance plan.

• Telehealth
• Mental health coverage
• Free visits to a primary care doctor
• Some free generic prescriptions
• A national network of urgent care centers
• Rewards for healthy actions
• Prescription delivery and rides to the doctor for Medicare enrolees

Bright Health Insurance Reviews: Is It Worth Your Money

A trip to their website will have you see the best of reviews about their product and services. However, no one has ever been known to badmouth his or her business.

Therefore, we’d be taking a look at a seemingly independent review as seen on Yelp.com.

As seen from Love F.Denver, CO

Bright Health is impossible to cancel with. They’re the worst insurance company I’ve ever used. I had them for 2020 and canceled in November. During open enrollment for 2021, there was still 2020 in a drop-down that I didn’t notice, it was like towards the middle of December. Well, I accidentally reenrolled in 2020.

I tried correcting it myself a million times but it just kept reenrolling me. So I tried calling Bright health to make sure it cancels. Trying to get through during open enrollment is impossible.

I called every day and it would either leave me on hold for hours and then hang up on me or just beep and hang up. There is also no place on their website to cancel.

So I finally tricked the system into thinking I was trying to sign up for new insurance so that I could finally speak with a real agent. I spoke with Gia about what happened and she said not even to worry about it, the systems will communicate and she’ll notate my account thoroughly. Told me to call back in five days and the systems would have had time to “communicate” and update.

So I did on the 5th day which was 1/4/21 and then they advised me that I actually had to call the marketplace to cancel!!! They wouldn’t accept my cancelation over the phone?? So I called the marketplace and same thing, can’t get through. So I had to schedule a callback for the following day, January 5th.

Spoke with someone at the marketplace and told them what happen and she assured me she’d send over the cancelation for me to Brighthealth. That day I got an emailed invoice from Brighthealth for January insurance. I wrote back and said sorry no I canceled my insurance. The underwriters kept responding that they didn’t get a cancelation. I told them well I canceled verbally to you in December, I canceled through the marketplace like I was asked also, and now I’m telling you in writing.

They just kept telling me they don’t see a cancelation. I was like listen, this is MY insurance and I am telling you I’m canceling. I canceled. Im not going with you this year. They finally responded that they now see a cancelation for 2/1/21 I said no! I canceled for January, all of 2021 I’m not going with you this year.

Then they ignored me and that was the last time I’d heard from Brighthealth so I assumed all was resolved.
This past Friday…yes July 2021 I received a bill for a telehealth appointment from July 2020 saying I didn’t have coverage at that time and I owed a big bill. I called a million times and kept being told I had to speak to member services.

I kept leaving them messages. One morning I finally got a callback at 6 am the following morning but was asleep and missed the call. She left a message for me to call back…the main number. So I had to start over. Over and over leaving messages and requested member services to call me back. I finally got ahold of someone and he’s struggling to figure out my policy period.

I was like well I have every receipt I paid so I can provide them to you if that’s helpful. He says he has to just resubmit the claim…but also sees I owe for my policy period in January 2021!! I was like what?? I didn’t have insurance with you guys in 2021, that was a huge mess that was resolved. Im told I have to call the marketplace to try and get it resolved….. ugh!! Here we go again.

So I respond to that email from January 5, 2021, to the underwriters where I’m reminding them of our email thread that I had canceled with them and they aren’t responding. I keep following up and finally get a call from them. She was like oh yeah no problem, I’m going to send this in for them to correct and I’ll reach back out to you. I was like yay, ok thanks for the help. Within minutes I get a follow-up email from her on the underwriter’s email thread that I owe them money for January.

It’s almost like she completely forgot what we discussed over the phone minutes before. I was like…what?? I was under the impression this was resolved over the phone!! Why did I never receive another bill from bright health? Was under the impression that this was resolved on January 5th 2021!!!
I feel violated! I repeatedly asked Brighthealth to STOP! Begged and pleaded for them to STOP and they just kept going. They should have to register on some offender list!

Update: 7/9/21 I emailed the company per the customer service rep’s request below at 10:37 am forwarding the entire email thread with the underwriters starting 1/5/21. Pending response.

Update: 7/11/21 at 7 pm I received a response email from the social media department that they forwarded my email to the escalation department. Pending response.

Update: 7/13/21 at 11:48am. I received an email response from the special services department. Fred Kelley, you made my day!!! He is the very first person that took the time to actually listen to my issue! He is correcting the mistake and I am so so so happy about that! I will update my review once completed. Thank you again, Fred!!Useful 16Funny 2Cool

From Anastasia V.Manhattan, New York, NY

If 0 was available I would have given them 0.

All addresses and phone numbers of the specialists on their website are incorrect.
In order to call them, you will wait in line forever!Useful 2FunnyCool

To get more reviews, kindly click here.

Conclusion

While there are lots of unfriendly reviews, there might be a few that speaks well of Bright Insurance, you have to find them.

References

• Valuepenguin.com
• brighthealthcare.com
• Yelp.com

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