United States health insurers

UnitedHealthcare offers commercial, Medicare Advantage, and Medicaid plans nationwide. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Anthem Blue Cross Blue Shield, an Elevance Health company, operates Blue-branded plans across 14 states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Aetna, part of CVS Health, offers commercial, Medicare Advantage, and Medicaid plans across most of the country. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Cigna Healthcare focuses on employer-sponsored commercial plans and Medicare Advantage. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Humana is primarily a Medicare Advantage insurer, with Medicaid managed-care plans in select states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Centene is a large government-sponsored insurer operating Medicaid, Medicare, and Marketplace (Ambetter) plans through state subsidiaries. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Kaiser Permanente is an integrated HMO that delivers and insures care through its own facilities in select regions. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Molina Healthcare focuses on Medicaid managed care, Medicare, and Marketplace plans in roughly 20 states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Ambetter Health, a Centene brand, offers ACA Marketplace (individual) plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

AmeriHealth offers commercial plans in New Jersey and Delaware, while AmeriHealth Caritas operates Medicaid managed care in multiple states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Blue Cross Blue Shield of Michigan is the state's largest insurer, offering commercial and Medicare Advantage plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

CareFirst BlueCross BlueShield serves Maryland, Washington D.C., and Northern Virginia. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Devoted Health is a Medicare Advantage insurer serving seniors in a growing number of states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

EmblemHealth is one of New York's largest nonprofit insurers, serving commercial, Medicare, and Medicaid members. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Florida Blue is the Blue Cross Blue Shield licensee for Florida. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Health Net, a Centene company, serves California across commercial, Medicare, and Medi-Cal (Medicaid) lines. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Highmark Blue Cross Blue Shield operates in Pennsylvania, West Virginia, Delaware, and parts of New York. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Horizon Blue Cross Blue Shield of New Jersey is the state's largest health insurer. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Independence Blue Cross serves the Philadelphia and southeastern Pennsylvania region. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

L.A. Care Health Plan is the nation's largest publicly operated health plan, serving Los Angeles County Medi-Cal members. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

MetroPlusHealth, affiliated with NYC Health + Hospitals, serves New York City Medicaid, Medicare, and Marketplace members. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Oscar Health is a technology-focused insurer offering ACA Marketplace and small-group plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Premera Blue Cross serves Washington and Alaska. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Priority Health, part of Corewell Health, is a major Michigan insurer across commercial, Medicare, and Medicaid lines. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Regence operates Blue-branded plans across Oregon, Washington, Idaho, and Utah. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Tufts Health Plan, now part of Point32Health, serves New England across commercial, Medicare, and Medicaid lines. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

UPMC Health Plan is an integrated, provider-owned insurer based in western Pennsylvania. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

WellCare, a Centene brand, offers Medicare Advantage and Medicaid managed-care plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.