Health Insurance Carriers

At Akwaaba Insurance Group, we collaborate with an extensive network of independent agents, partners, and affiliates to offer clients access to a diverse array of leading health insurance providers. These carriers, including industry giants like Aetna, Cigna, Devoted, Humana, WellCare, and UnitedHealthcare, etc., play a crucial role in the healthcare system. As intermediaries between patients, healthcare providers, and the complex regulatory landscape, these insurers assess risk, set premiums, and process claims to ensure policyholders can obtain necessary care without crippling financial burdens.

We have also partnered with leading healthcare technology companies like Oscar Health and HealthSherpa. Oscar Health makes high-quality, affordable healthcare accessible to all, while HealthSherpa, the largest ACA quoting and enrollment platform, connects individuals with health coverage by fully integrating with government-facilitated marketplaces.

Aetna Inc. provides traditional and consumer directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, etc. Aetna Health Insurance is one of the largest health insurance providers with over 23 million members. Aetna offers a wide range of insurance plans including HMO, PPO, POS, EPO, and HDHP options. Aetna contracts with a large network of doctors, hospitals, and other healthcare providers across all 50 states. When a member receives care from an in-network provider, Aetna will pay for all or most of the costs after the member pays their copayment or deductible. Aetna offers plans on the Affordable Care Act marketplace as well as employer-sponsored group plans. Their plans cover essential health benefits like preventive care, maternity care, mental health services, and prescription drug coverage. Members can manage their benefits online by checking claims, finding providers, estimating costs, and accessing health and wellness resources. Aetna also has programs to help members manage chronic conditions. With a focus on innovation, they are investing in integrated technology and developing initiatives around population health and value-based care. Aetna aims to provide affordable, high-quality health insurance that empowers people to live healthier lives.

The Cigna Group is a for-profit American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Cigna health insurance is one of the largest health insurance providers in the United States, offering a wide range of medical, dental, and related health insurance plans. With over 17 million customers in America alone, Cigna has a strong presence across the country and provides coverage through employers, private exchanges, and both state and federal health insurance marketplaces. Cigna offers a variety of plan options including PPOs, HMOs, POS plans, and HDHPs paired with Health Savings Accounts. They have plans that cover individuals, families, Medicare enrollees, international citizens, and more. Their provider networks are expansive, giving members access to doctors, specialists, hospitals, and pharmacies across the nation. Many of their plans include additional services like 24/7 telehealth, dental insurance, vision insurance, behavioral health services, and wellness programs.

When it comes to coverage, Cigna health plans include all of the essential health benefits required under the Affordable Care Act. 

Centene Corporation is a publicly traded managed care company based in St. Louis, Missouri, which is an intermediary for government-sponsored and privately insured healthcare programs. Centene ranked No. 25 on the 2023 Fortune 500. Centene offers affordable health insurance plans to low-income individuals and families who qualify for Medicaid, Medicare, and the health insurance marketplaces. Centene has grown rapidly in recent years by expanding into new states and acquiring smaller health plans. A key part of Centene's business model is managing Medicaid plans, which are government health plans for low-income people. Centene works closely with state governments to provide coordinated Medicaid coverage through health plans branded under Centene's health plan subsidiaries like Ambetter and Celtic Insurance. The company emphasizes localized networks and community-based healthcare services for its members. Centene also offers Medicare plans, including Medicare Advantage and Medicare Part D prescription drug plans, to seniors in many markets across the country. Additionally, Centene offers insurance on the Affordable Care Act marketplaces for individuals and families who do not have employer-sponsored health insurance. Centene aims to provide high quality, affordable coverage to populations who rely on public healthcare programs. Its focus on government-sponsored health plans has fueled the company's rapid expansion across the U.S. in recent years..

Devoted Health, a pioneering healthcare company founded in 2017, has set its sights on dramatically improving the lives of older Americans through a revolutionary approach that goes far beyond the typical health insurance model. While they do offer comprehensive Medicare Advantage plans, Devoted's true mission is to profoundly transform the way seniors experience and engage with the healthcare system. At the heart of their innovative philosophy is a deep commitment to truly listening to and understanding their members as whole individuals, not just patients. Devoted recognizes that supporting holistic well-being requires moving well beyond standard coverage and claims processing - it demands building genuine relationships founded on trust, empathy, and a genuine desire to empower members to live their best lives. To this end, Devoted has developed highly personalized benefits, programs, and support systems that are tailored to the unique needs, preferences, and goals of each member. This might include anything from arranging for in-home care and transportation assistance, etc.

Humana Inc. is one of the largest health insurance providers offering a wide range of medical coverage plans to individuals, families, and employers across the country. Founded in 1961 in Louisville, Kentucky, Humana has grown into a Fortune 500 company insuring over 13 million members. Humana offers private Medicare plans, employer-sponsored plans, Medicare Supplement plans, Medicaid plans, military plans, and individual health plans on the Affordable Care Act exchanges. A key focus for Humana is Medicare Advantage plans for seniors, where they strive to provide coordinated care and extra benefits not covered by original Medicare. Humana Medicare Advantage members can access a network of doctors, hospitals, and pharmacies while also receiving dental, vision and hearing coverage. Many plans also come with a fitness program called SilverSneakers. Humana uses data analytics to improve health outcomes for seniors on Medicare Advantage. The company has invested heavily in home health services, telemedicine and personalized wellness programs to provide preventative care for their members. 

UnitedHealth Group is one of the largest health insurance companies in the United States. Headquartered in Minnetonka, Minnesota, UnitedHealth provides health care coverage and insurance services to over 70 million individuals nationwide. The company offers employer-sponsored, individual, Medicare, and Medicaid plans that provide access to their extensive network of over 1.2 million physicians and care providers. UnitedHealth places an emphasis on preventive care and innovative approaches to improve health outcomes while working to make care more affordable. The company invests heavily in data analytics to better understand patient needs and identify ways to reduce costs across the healthcare system. UnitedHealth is structured into two main business platforms - UnitedHealthcare for insurance services and Optum for health services. Optum includes pharmacy benefit management, care delivery and behavioral health services. UnitedHealth has grown considerably over the years through mergers and acquisitions and continues to be a leader in the changing health insurance landscape in the U.S.

Wellcare is the Medicare brand that takes the nonsense out of health insurance. For more than 20 years, Wellcare has offered a range of Medicare products, including Medicare Advantage and Medicare Prescription Drug Plans (PDP), which offer affordable coverage beyond Original Medicare. Today, Wellcare is proud to offer access to high-quality, affordable, and culturally sensitive healthcare to more than 1.2 million Medicare Advantage members and 4.1 million PDP members across all 50 states. We offer benefits with every Medicare beneficiary in mind, including dental, hearing, vision services, transportation services, telehealth visits, wellness and fitness programs, in-home support services, and special supplemental benefits for the chronically ill.

Wellcare is a wholly owned subsidiary of Centene Corporation, a leading multinational healthcare enterprise committed to transforming the health of the community, one person at a time. Beginning Jan. 1, 2022, Centene’s Medicare brands, including Allwell, Health Net, Fidelis Care, Trillium Advantage, ‘Ohana Health Plan, and TexanPlus will transition to the Wellcare brand.

Allstate health Solutions is a popular insurance provider that offers a variety of health coverage options for individuals and families. Allstate provides plans that cover doctor visits, hospital stays, prescriptions, dental, and vision, protecting policyholders from the high costs of medical care. Their plans come in PPO, HMO, and high-deductible options, with many choices for deductibles, copays, and maximum out-of-pocket costs. Customers can build a personalized health plan that fits their budget and medical needs. Allstate is known for excellent customer service, quick claims processing, and tools to help policyholders estimate costs and find in-network providers. They offer health insurance across the United States, with many plan options and networks to choose from. Their website and mobile app make it easy for customers to find a doctor, check claims, access ID cards, and manage their policy. With comprehensive plans, customized options, and helpful resources, Allstate provides quality health coverage people can rely on when illness or injury strikes. Their health insurance gives peace of mind that medical costs won't become a financial burden.

Oscar Health Insurance is a technology-driven health insurance company that aims to provide affordable, accessible healthcare coverage. Founded in 2012, Oscar set out to reimagine health insurance by using data and technology to create a more consumer-friendly experience. Oscar offers individual and family health insurance plans in several states across the U.S., focusing largely on the Affordable Care Act marketplace.

A key part of Oscar's strategy is to provide an enhanced digital experience for members. The company has a very user-friendly website and mobile app which allow customers to find nearby doctors, communicate with a doctor or nurse 24/7, access telehealth visits, view claims, and more. Oscar aims to simplify healthcare interactions by integrating technology into every aspect of its plans. In terms of coverage, Oscar sells both HMO and PPO plans with varying levels of deductibles and out-of-pocket costs. They contract with a large network of doctors and hospitals to provide in-network coverage to members. However, they differentiate themselves by offering innovative benefits not typical of traditional health insurers.

HealthSherpa is a California-based technology company focused on connecting individuals with health coverage. Healthsherpa is an online health insurance marketplace that aims to simplify the process of finding and enrolling in health insurance plans. The platform was founded in 2014 as a way to provide more transparency around health insurance options and make it easier for consumers to compare plans from major insurers. One of the key features of Healthsherpa is that it allows users to easily search for and filter health insurance plans based on criteria like price, deductible, doctor networks, and prescription drug coverage. Another major advantage of Healthsherpa is that it integrates directly with insurance carriers to enable online enrollment from start to finish. Users can select a plan, enter their information, and often get fully enrolled without having to talk to an insurance broker. The site also assists users in determining eligibility for government subsidies and tax credits that can lower monthly premiums.