Akwai kamfanonin inshora na kiwon lafiya a Amurka. Mafi yawa daga cikinsu suna aiki ne kawai a yanki, yayin da wasu ke tabbatar da marasa lafiya a fadin kasar. Akwai kuma Medicaid da Medicare.
Akwai manyan kamfanonin inshora na kiwon lafiya shida: WellPoint, CIGNA, Aetna, Humana, United Healthcare da BlueCross BlueShield, kodayake wannan na aiki ne a kan tsarin jihohi.
Kamfanonin inshora biyar na kiwon lafiya sun tabbatar da kimanin rabin mutanen da aka haifa ko fiye da mutane miliyan 100. A nan muna duban kamfanonin inshora masu lafiya guda biyar.
WellPoint, Inc.
WellPoint yana da mambobi 34 da ke cikin tsarin kiwon lafiyarta da kuma fiye da miliyan 70 a duk lokacin da 'yan rassansa suka haɗa. Wannan ya sa WellPoint ya kasance mafi yawan kamfanonin inshora na kiwon lafiya dangane da zama mamba.
An kirkiro da kyau daga haɗin Cibiyar Kiwon Lafiya na WellPoint Inc. da Anthem, Inc., a shekarar 2004.
WellPoint yana da hedkwatar Indianapolis, Indiana. Yana da lasisi mai zaman kanta na Blue Cross da Blue Shield Association suna aiki a cikin California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, da Wisconsin.
Shirye-shiryen WellPoint na kasuwanci ne kamar Anthem Blue Cross, Blue Cross da Blue Shield, Blue Cross da Blue Shield na Georgia, Tsarin Blue Blue Blue Shield, ko kuma Blue Cross Blue (a cikin yankunan sabis na New York).
WellPoint kuma yana hidimar abokan ciniki a ko'ina cikin ƙasar a matsayin UniCare.
Ɗaya daga cikin tara Amurkawa an sanya su ta hanyar WellPoint.
Shirye-shirye na kulawa na WellPoint sun hada da: fannonin kungiyoyin masu bada (PPOs); kungiyoyin kula da kiwon lafiya, (HMOs); Tsarin mahimmanci na shirin (POS); shirye-shiryen gargajiya na gargajiya da sauran shirye-shirye na matasan, ciki har da tsare-tsaren kiwon lafiya na kaya (CDHPs); kuma asibiti kawai da iyakacin amfani da samfurori.
Har ila yau, kamfani ya hada da ayyukan kulawa da kamfanonin da aka biya, ciki harda aikin haɗari, haɓaka, dakatar da asarar kuɗi, sabis na kayan aiki, damar samar da hanyar sadarwa, kula da lafiyar likita, gudanar da cututtukan cututtuka, shirye-shiryen salama da sauran ayyukan gudanarwa.
Kamfanoni masu haɗin kai suna samar da kayan aikin sana'a da sauran kayan aiki kamar su rai da rashin lafiya na asibiti, hakori, hangen nesa, ayyukan kiwon lafiyar haɓaka, aikin kulawa ta hanyar rediyo, jagorancin kula da lafiyar mutum, nazarin kulawa da dogon lokaci, asusun.
Kamfanin Asusun Kula da Lafiya na CIGNA
Gidan hedkwatar Philadelphia, Pa., Tarihin CIGNA ya koma sama da shekaru 125. Sakamakon kudaden kamfanin (tun daga watan Disamba 2011) ya kai dala biliyan 21.3.
CIGNA yana da asusun miliyan 11.4 a Amurka da kuma wasu miliyan 7.6 a waje da Amurka (a cikin kasashe 29) kuma an lasafta su a lamba 129 a jerin jerin Fortune 500.
A shekara ta 2010, CIGNA ta dauki nauyin mota miliyan 119.
CIGNA tana da kashi uku:
- CIGNA HealthCare tana samar da tsare-tsaren kiwon lafiya da kamfanoni ga kamfanonin biyu da mutane, don bayar da likita, hakori, halayyar halayyar kwalliya, magani da kuma kulawa da hangen nesa.
- Kamfanin CIGNA Group Assurance yana daga cikin manyan masu samar da rashin lafiya na rukuni, rayuwa da hatsari a Amurka.
- CIGNA International tana ba da rai, hadari da kuma karin asibiti na kiwon lafiya da kuma kiwon lafiya na musamman da kuma alaƙa da asibiti na ma'aikata da suka shafi ma'aikata na kamfanoni masu zaman kansu da ke kasashen waje.
Aetna
An kafa Aetna a 1853 a Hartford, Conn., Kuma tana bada lafiyar, hakori, kantin magani, rayuwar rukuni, da asibiti na rashin lafiya, da kuma amfanin ma'aikata. Kusan kusan mutane miliyan 18 ne, mambobin likita, miliyan 13.5, kuma likitoci 8.5 miliyan.
Mai insurer ya ba da amfani ta hanyar ma'aikata a cikin jihohi 50, tare da samfurori da kuma ayyuka da aka ƙayyade musamman ga ƙananan ma'aikata, masu girma da yawa.
Aetna kuma yana aiki da Medicare da Medicaid masu amfani a wasu kasuwanni. Haɗin Aetna na shekara ta 2010 ya kai dala miliyan 34,246, ya karu da kashi 1.5 cikin dari daga shekarar da ta wuce.
Humana
An kafa shi a 1961 kuma yana zaune ne a Louisville, Ky., Humana ya fara ne a matsayin gida mai kula da asibiti kuma ya girma zuwa asibitoci fiye da 100 kafin ya shiga aikin kiwon lafiya.
Humana yana da mambobi miliyan 10.2 kuma yana da lambar 73 a jerin jerin mujallar ta Fortune na manyan kamfanoni na Amurka, wanda aka lissafta ta kowace shekara.
Humana yana ba da dama na ayyuka da shirye-shirye ciki har da:
- Humana Medicare Plans, ga Medicare-cancantar masu amfani
- Humana Daya, inshora takarda tare da kewayon shirye-shirye
- Humana Daya Dental & Vision
- Humana Daya Life da Assurance Kuɗi, wanda ke ba da kyauta na rayuwa, da asibiti, da manufofin da aka tsara don cututtuka. HumanaDental, ga ma'aikata
- HumanaVisionCare
Mai bada sabis na kiwon lafiya yana ba da magungunan kantin magani, Humana Pharmacy Solutions, wanda ke da goyon bayan kamfanin Fortune 100 kuma yana daya daga cikin manyan PBMs a cikin al'umma.
Humana Pharmacy Solutions 'manufa shine don bawa damar samun maganin da suke buƙatar yayin da suke bada jagorancin maganin asibiti, maganin likitanci wanda ya kawo darajar ga memba da mai aiki.
United Healthcare
UnitedHealthcare ne ƙungiya mai aiki na UnitedHealth Group, mafi girma guda mai kiwon lafiya a cikin jirgin Amurka. An kafa kamfanin ne a shekara ta 1977 ta hanyar sake tsarawa na Charter Med Inc., wanda aka kafa a shekarar 1974.
Kamfanin yana samar da samfurori da ayyuka ga wasu Amurkan Amurka miliyan 70 kuma shirye-shiryenta na kayan magani suna samar da karin damar yin amfani da kwayoyi don mutane miliyan 13.
Ƙungiyar kiwon lafiya ta United tana da kashi uku:
- Ƙwararriyar Harkokin Kasuwanci na Ƙasar Kasuwanci ta ba da gudummawa da tsare-tsaren sabis a kan ƙaddarar masu ɗawainiya, masu yawa da kuma ma'aikata na ƙasa da kuma haɓaka ayyukan kula da kiwon lafiya na cibiyar sadarwar da kuma ayyuka a madadin ƙananan ma'aikata da masu girma, da mutane, dalibai da iyalai.
- UnitedHealthcare Medicare & Retirement shi ne mafi girma kasuwanci a cikin al'umma sadaukar domin saduwa da girma bukatun na tsofaffi.
- Ƙungiyar Harkokin Kiwon Lafiyar Jama'a ta Amirka da Gwamnati ta inganta da kuma kula da ayyukan kiwon lafiyar don shirye-shirye na gwamnati da kuma shirin Medicaid da kuma masu amfana.
Abubuwan da kamfanin ya samu a farkon kwata na wannan shekarar sun kasance dala miliyan 25,432, daga dala miliyan 23,193 a farkon kwata na 2010.
Ƙungiyar kiwon lafiya ta United an ware Ranar 22 a cikin jerin sunayen Fortune 500 dangane da kudaden shiga. Har ila yau, ya karbi nau'ikan Neman 1 don Innovation a Asusun Kula da Assurance da Gudanarwa a kan jerin abubuwan da aka samu na kamfanin Fortune na 2011 na Kamfanoni Mafi Girma.