Kune vazhinji makambani ehutano yveshuwarisi muUnited States Vakawanda vavo vanotarisira nzvimbo shoma shoma, asi vamwe vanovimbisa varwere munyika yose. Panewo Medicaid uye Medicare.
Kune zvikamu zvitanhatu zvemakambani makuru ehutano inshuwarano: WellPoint, CIGNA, Aetna, Humana, United Healthcare uye BlueCross BlueShield, kunyange zvazvo iri rinoshanda mumamiriro ezvinhu nehurumende.
Makambani mashanu makuru emishonga inshuwalano yehutano anotsigira anenge hafu yevanhu vanochengeterwa inshuwarheni kana vanopfuura mamiriyoni zana evanhu. Pano tinotarisa makambani mashanu makuru emishonga inshuwarano yehutano.
WellPoint, Inc.
WellPoint ine nhengo dzemamiriyoni 34 muhutano hwehutano hwakabatana uye dzinopfuura makumi emamiriyoni insurees apo zvinyorwa zvayo zvakabatanidzwa. Izvi zvinopa WellPoint kambani yehutano inshuwarhu yehutano maererano nehutano.
WellPoint yakasikwa kubva pakubatanidzwa kweWellPoint Health Networks Inc. neAnthem, Inc., muna 2004.
WellPoint inotarisana neI Indianapolis, Indiana. Ndiyo mutungamiri wezviremera weBlue Cross uye Blue Shield Association anoshumira nhengo muCalifornia, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, uye Wisconsin.
WellPoint zvirongwa zvebhizimisi seAnthem Blue Cross, Anthem Blue Cross uye Blue Shield, Blue Cross neBlue Shield yeGeorgia, Empire Blue Cross Blue Shield, kana Empire Blue Cross (munzvimbo dzeNew York service).
WellPoint inoshumirawo vatengi munyika yose se UniCare.
Mumwe wevane mapfumbamwe veAmerica vanochengeterwa inshumo kuburikidza neWeepPoint.
Zvirongwa zvekuchengetedza zvakanaka zveEptPoint dzinosanganisira: maidire emasangano (PPOs); masangano ekugadzirisa utano, (HMOs); hurongwa-hwe-kushanda (POS) zvirongwa; zvikwereti zvekubhadhara zvikwereti uye dzimwe zvirongwa zvehuwandu, kusanganisira zvirongwa zvehutano zvine hutengi (CDHPs); uye chipatara chete uye zvishoma zvinobatsira michina.
Iko kambani inobatanidza mabasa ekuchengetedza anotarisira kune vanozvimiridzira mari, kushandiswa kwemashoko, pasi pekunyorera, kumira kurasikirwa inshuwarisi, kugadziriswa kwemasangano, kupa mukana wekutsvaga, kurapwa kwemari yehutano, hutano hwehutano, hurongwa hwehutano uye mamwe mabasa ekutungamirira.
Nhengo dzakabatanidzwa dzinopa huwandu hwehutano nezvimwe zvinhu zvakagadzirwa nemishandiro zvakadai sehupenyu nehutano hwehutano inshuwarheni, mazino, maonero, maitiro ehutano hwehutano, ruzivo rwehutongi hwehutano, hutungamiri hunotungamirirwa nehutano hwehutano, inshuwarisi yekuchengetedza kwenguva yakareba, uye kushandiswa kwemari nhoroondo.
CIGNA Health Insurance Company
Inzvimbo iri muPhiladelphia, Pa., CIGNA nhoroondo yakatora makore anopfuura 125. Imari yekambani (kubva munaDecember 2011) ine $ 21.3 mabhiriyoni.
CIGNA ine 11.4 mamiriyoni ebhizimisi muU.S. uye imwe mamiriyoni 7.6 kunze kweU.S. (munyika 29 dzakasiyana) uye inongororwa Nhamba 129 pane Fortune 500 urongwa.
Muna 2010, CIGNA yakagadzirwa mamiriyoni 119 ezvokurapa zvezvokurapa.
CIGNA ine zvikamu zvitatu:
- CIGNA HealthCare inopa zvirongwa zvehutano nemabasa kumakambani nemamwe vanhu, vachipa utano, mazino, hutano hwehutano, pharmacy, uye maonero ekucherechedza.
- CIGNA Group Insurance ndeimwe yevanopihwa zvekuremara kweboka, upenyu nehupfambi muUnited States.
- CIGNA International inopa hupenyu, njodzi uye kubhadhara inshuwarano yehutano pamwe chete nehutano hwakanaka hwehutano uye hunoenderana nemashandiro emishuwarenzi kubhadharira vashandi vemakambani emarudzi akawanda ari kune dzimwe nyika.
Aetna
Aetna yakatangwa muna 1853 muHartford, Conn., Uye inopa hutano, mazino, pharmacy, hupenyu hweboka, uye inshurensi yekuremara, uye mushandi anobatsira. Inenge mamiriyoni gumi nemamiriyoni ezvokurapa, nhengo gumi nemamiriyoni gumi nemamiriyoni emazino, uye mamiriyoni 8.5 emishonga yemishonga.
Iyo inshuwarisi inopa zvipo kuburikidza nevashandirwi mumatunhu ose makumi mashanu, uye zvishandiso uye maitirwo anotarisirwa zvakananga kune vaduku, pakati nepakati uye makuru mazita evashandi vemunyika vese.
Aetna anoshumirawo Medicare neMedicaid kune dzimwe misika. Mari yeAetna yegore ra2010 yaiva $ 34,246 mamiriyoni, pasi pe5% kubva mugore rapfuura.
Humana
Yakagadzwa muna 1961 uye yakabatanidzwa muLouisville, Ky., Humana yakatanga seimba imwechete yekuyamwisa uye yakakura kuva zvipatara zvinopfuura zana tisati tambobatanidzwa mune zvehutano.
Humana ane mamiriyoni gumi nezviviri ezvehutano uye iri nhamba 73 pane Fortune magazini yekambani dzemakambani makuru eUnited States, inotaridzwa nemari yegore negore.
Humana inopa huwandu hweshumiro uye zvirongwa zvinosanganisira:
- Humana Medicare Plans, nokuda kweVagare-vanotengesa vatengi
- Humana One, mumwe munhu inshuwarisi ane marongerwo emaronga
- Humana One Dental & Vision
- Humana One Life uye Supplemental Inishuwarenzi, iyo inopa mararamiro emararamiro ega-oga, kuchipatara chibharo, uye mitemo inotarirwa nezvirwere zvakasiyana. HumanaDental, kune vashandi
- HumanaVisionCare
Mupi wehutano wezvehutano anopawo mutoro wemabhizimisi anobatsira, Humana Pharmacy Solutions, iyo inotsigirwa nekambani ye Fortune 100 uye imwe yepamusoro-zhinji PBMs munyika.
Humana Pharmacy Solutions 'chinangwa ndechokupa nhengo kuwana mishonga yavanoda apo vachipa mazano pane kliniki inoratidzwa, inrapeutically yakaenzana nemishonga inounza huwandu huri nani kumunhu uye kumushandi.
United Healthcare
UnitedHealthcare iri kupatsanurwa kweUnitedHealth Group, iyo yakakura kune mumwe mutano wehutano muUnited States. Iyo kambani yakaumbwa muna 1977 kuburikidza nekugadzirisa zvakare Charter Med Inc., yakavakwa muna 1974.
Kambani inopa michina nemabasa kune mamwe mamiriyoni makumi manomwe evaAmerica uye mapurogiramu ayo ekugadzirisa mishonga anopa mvumo yakawanda yekuwana madhiragi kuvanhu vane mamiriyoni 13.
United Healthcare ine zvikamu zvitatu:
- UnitedHealthcare Employer & Individual inopa zvirongwa zvekubatsira uye zvigadziro zvebasa pamusangano wakazvitsaurira kune vashandi vakawanda, nzvimbo dzakasiyana-siyana uye vashandi vemunyika uye vanobatanidza hutano hwehutano hwehutano nehutano panzvimbo yevaduku kusvika pakati pevashandirwi, pamwe chete nevamwe, vadzidzi uye mhuri.
- UnitedHealthcare Medicare & Retirement ndiyo ibhizimisi guru mune rudzi rwakatsaurirwa kuzosangana nekukura kwekuda kwevakuru.
- UnitedHealthcare Community & State inofambisa uye inochengetedza hutano hwehutano hwehurumende dzakabhadharwa nehurumende uye zvirongwa zveMedicaid pamwe nevatsigiri vavo.
Imari yekambani mukutanga kwegore regore ino yaiva $ 25,432 mamiriyoni, kubva pa $ 23,193 mamiriyoni mukutanga kwegore ra2010.
United Healthcare inoratidzirwa Nhamba 22 mu Fortune 500 urongwa hunoenderana nemari. Yakagamuchirawo Nha. 1 iyo yeInnovation muInishuwarenzi uye Mutungamiri Wechikwata Chekuchengetedza muHomeune magazini yegore ra2011 yeWorld Most Admired Companies.