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EmblemHealth Health Insurance Ratings

Customer Satisfaction Ratings (based on 95 survey results)
Product
health-icon Health
info iconOverall
82.18 out of 100
Productinfo icon
HOW WE WEIGH OUR SCORE
Overall
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

AM Best Financial Strength Ratings

October 31, 2019

health-icon Health 82.18 out of 100 Claims Processing 87.86 Customer Service 82.53 Value for
Price
78.32
Website and Apps 81.43 % Who Would Recommend to a Friend 74% % Who Plan to Renew 88% C+
info icon
AM Best Financial Strength RatingsOctober 31, 2019
C+
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Reasons for Buying from EmblemHealth

Customers of EmblemHealth originally decided to purchase from the company for these reasons:
It's a health plan my employer offers40%
Offered best price17%
Reputation14%
Recommended by friend or family member7%
Saw TV commercial6%
I have/had other insurance with this company5%
Saw online ad5%
Was the company my parents had4%
The company website and mobile apps are easy to use and helpful1%

How likely are you to recommend this company to a friend, coworker or family member?

I probably would recommend this company. 42%
I would definitely recommend this company. 32%
Neutral 22%
I probably would not recommend this company. 3%
I would not recommend this company. 1%

Would you renew?

Yes 88%
No 12%

Website and Apps

How easy to use and how helpful they are
41%
Satisfied - Fulfills my needs okay
29%
Completely satisfied - Gives me what I want and more
14%
Neutral - No good or bad feelings on this
12%
Never visited or used website or mobile app
3%
Not Satisfied - Is not a good website or app
1%
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

59%
Phone
18%
Interactive website
17%
In person
3%
Email
3%
Mobile App
User Review
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About EmblemHealth

Best Health Insurance Companies 2020: How EmblemHealth Measures Up

Emblemhealth did fair in the 2020 Best Health Insurance Company survey placing 9th overall with a score of 82.18. EmblemHealth’s best ranking was 4th for handling of claims. It also obtained 5th place for ease of use for website and apps and 6th place for customer service. Price seemed to be a pain point for policyholders with a ranking of 12th. A good amount of consumers still wanted to renew with EmblemHealth, 88%, while only 74% would recommend the company to others.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Emblemhealth's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For health insurance, EmblemHealth (NAIC# 55247) had a complaint ratio of 0.00 for individual health and 0.00 for group health for 2018. 2019 complaint numbers will be available in 2020.

Company Background

An history of firsts

EmblemHealth was created when two successful companies, Group Health Incorporated and Health Insurance Plan of Greater New York came together with complementary fortes.

GHI was the first in the country to offer dental coverage as well as the first insurer to cover preventative medicine, such as annual exams and well-baby care.

The success of HIP is largely attributed to New York’s City mayor at the time, Fiorello LaGuardia.

This New York-based provider serves approximately 3.4 million New Yorkers, making it the largest health insurer in the state. Groups and individuals can select from many levels of PPO, EPO and HMO coverage plans, as well as the ability to choose prescription drug, dental and vision insurance.

Contact information

Corporate headquarters
55 Water Street
New York, NY 10041
(646) 447-5000

Member services: (800) 624-2414