Health Insurance

UnitedHealthcare is the US's largest health insurer. Reaching a human requires patience - the automated system is long and waits often exceed 30 minutes.

Aetna (now part of CVS Health) has extensive automated system before reaching a human. Prior authorisations and complex claims require persistence to resolve.

BCBS is a network of regional plans - service quality varies significantly by state. Some plans are highly accessible; others have long waits.

Humana has phone support but the experience can be frustrating. automated system is lengthy and waits often exceed 30 minutes. Medicare Advantage customers may find it marginally easier.

Kaiser is both insurer and provider, which simplifies things. Member services are accessible by phone. Care coordination queries often resolved without hold times if you call your local facility.

Cigna (now Cigna Healthcare, part of Evernorth) has phone support but expect 20–40 minute waits. Prior authorisation and complex claims require persistence.

Molina Healthcare serves Medicaid and ACA marketplace members. Phone support exists but the automated system is complex and wait times frequently exceed 30 minutes. Agents are reachable but the experience requires patience. State-specific numbers are sometimes faster than the main line.

Oscar Health is a tech-first US insurer that encourages app-based interaction. Phone support is available via the app's concierge team. Hold times are moderate at 10–20 minutes. The virtual care and chat options are often faster for non-urgent queries.

Centene operates multiple Medicaid and Medicare plans under various brand names including WellCare. Phone support is available but the automated system is lengthy and hold times often exceed 30 minutes. Members are strongly encouraged to use the plan-specific member portal. Use the number on your insurance card for fastest routing.

Anthem (now Elevance Health) is one of the largest US health insurers. Reaching a human requires navigating a complex automated system and hold times of 20–40 minutes are common. The Sydney Health app handles many tasks digitally. Use the member ID card number for your specific plan to reach the right queue faster.