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The Best Health Insurance Company review is a review of The Best Life and Health Insurance Company. The Best Life and Health Insurance Company offers medical, vision, life, and dental insurance options to small, medium, and large businesses.

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The Best Life and Health Insurance Company is headquartered at:

2505 McCabe Way

Irvine, CA 92614

The Best Life and Health Insurance Company also has a major claims office located at:

P. O. Box 890

Meridian, Idaho 83680-0890

Toll free phone number: 1-800-433-0088

Fax number: 208-893-5040.

The History of the Best Life and Health Insurance Company

The Best Life and Health Insurance Company began as Westgate Life Insurance in 1962. The Westgate Life Insurance Company changed its name to the Best Life Assurance Company of California in 1979. Until 1999, the Best Life Assurance Company of CA worked mainly in California. The company’s name was changed to the Best Life and Health Insurance Company in 2000.

Today, the Best Life and Health Insurance Company is domiciled as a health and life insurance company in Texas and is a Texas Association of Life and Health Insurers member. Additionally, the company writes insurance in more than 38 states.

The Associations of the Best Life and Health Insurance Company

The Best Life and Health Insurance Company is associated with many different organizations and relies on these organizations to help educate and inform their policyholders. These organizations include:

  • American Academy of Family Physicians
  • American Academy of Periodontology
  • America Academy of Ophthalmology
  • American Academy of Pediatric Dentistry
  • American Dental Association
  • American Medical Women’s Association
  • American Optometric Association
  • Centers for Disease Control
  • The Cleveland Clinic
  • Families USA
  • Mayo Clinic
  • Family Doctor
  • Oral Cancer Foundation
  • Healthy Women
  • Prevent Blindness America
  • Patient Advocate Foundation

The Products of the Best Life and Health Insurance Company

The Best Life and Health Insurance Company offers multiple health insurance products. These products include:

  • Dental insurance
  • Medical insurance
  • Vision insurance coverage
  • Life insurance
  • Stop loss medical insurance coverage

The Best Life and Health Insurance Company offers four types of dental insurance. These four dental insurance plans are:

  • Best Life PPO Dental plan
  • Indemnity Plus Dental plan
  • Best Life Topaz Dental PPO plan
  • Best Life Topaz Indemnity plan

The Best Life PPO Dental plan offers the policyholder the ability to choose their own dentist and higher benefits if they choose a dentist in the network. Orthodontia coverage for adults and children are also available with this plan. This program is available in a limited number of states. These states are:

  • Arizona
  • California
  • Florida
  • Illinois
  • Indiana
  • Maryland
  • Michigan
  • Missouri
  • New Hampshire
  • Nevada
  • Ohio
  • Pennsylvania
  • Texas
  • Washington, DC

With the Indemnity Plus Dental plan the policyholder receives the same benefits whether they choose a dentist in or out of the network. If the policyholder does choose a dentist that is in the network, they will receive more savings. This plan is available in all of the states that the Best Life and Health Insurance Company covers.

The Best Life Topaz Dental PPO and Indemnity Dental plans are only available in the state of Utah. These plans offer the same types of coverage as the other PPO and Indemnity plans offered by the Best Life and Health Insurance Company.

The Best Life and Health Insurance Company also offer PPO and Indemnity vision insurance plans. The Best Life Access Vision plan is the Indemnity plan. With this vision plan there are no waiting periods, there is a flexible deductible, an optional EyeMed discount plan is available, and the policyholder can choose either contacts or glasses or can decide to choose both.

The Best Life Vision PPO Plan offers the policyholder access to more than 21,000 locations throughout the nation via the Best Life Vision network. This plan offers contacts instead of glasses lenses, but does offer an allowance for frames. This plan also offers a 15 percent discount off laser corrective surgery. This plan includes access to private practices as well as retailers such as:

  • Lens Crafters
  • Sears Optical
  • Target Optical
  • Pearle Vision
  • JC Penny Optical

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