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Costco Health Insurance Company Review


Costco Health Insurance may not be a familiar name. When most people think of Costco, they think of savings on food, household items, and services. But did you know that Costco is one of the leading retail companies that offers non-traditional health care coverage?

Costco has partnered with some of the top health insurance companies to provide top notch small business health insurance. Read through this Costco Health Insurance review, read the Costo Insurance reviews and ratings written by customers at the bottom of this page, and then consider leaving your own review of Costco health insurance. Once you have finished reading through the Costco Insurance reviews then be sure and enter your zip code into our free tool at the side of this page to compare health insurance quotes from top insurance companies online.

Costco Health offers health insurance to its members in a variety of forms and coverage options. Offering health coverage was just a natural progression for Costco as the company grew since they already offer many healthy products, supplements, and aids in weight loss and health management. Maybe Costco Health coverage can work well for you and your business. Following are the answers to some basic questions about the insurance offered through Costco to help you make your decision.

How Can Costco Offer Health Insurance?

You may wonder how Costco can offer health insurance, if they are not an insurance company. Well, basically Costco acts as the outlet for other trusted insurance carriers in supplying insurance to members through a licensed insurance company. So Costco itself does not issue the insurance. They have just contracted with an insurance company. The insurance company trusts in Costco’s name, reputation, and large number of members to make the insurance available. So you need to be comfortable with adding that third party layer of involvement to save some money.

What Plans Does Costco Offer?

Costco offers three plans. The first plan is through Aetna Insurance Company (click here to read the Aetna Health Insurance Company Review). It is called Aetna Medicare Rx Costco Plus Plan. This plan is available to those who are 65 and older and eligible for Medicare. It is a Medicare Part D plan designed exclusively for Costco members. This plan is available in Alaska, Arizona, California, Colorado, Florida, Hawaii, Idaho, Illinois, Michigan, New Mexico, Nevada, New York, Ohio, Oregon, Utah, Virginia, and Washington.

Because this plan is part of the Medicare system, enrollment must take place between November 15th and December 31st. For some members who meet certain requirements, the enrollment period might be waived. This plan is a prescription benefit plan that offers discounts when you get your prescriptions filled at any Costco as well as 59,000 other pharmacies that are contracted with Aetna. Once you become a part of this plan, you will have access to all the pharmacies nationwide that will provide a discount.

Through this plan, members have a $0 deductible. This means that as soon as you sign up you can start saving money since you don’t have to meet a deductible. Also, members don’t pay anything for generic prescription. All approved prescriptions are covered. For those that are not approved by Medicare, getting your prescriptions filled at a Costco, will give you coverage for barbiturates and benzodiazepines. Under this plan, if you are in need of a drug that is not covered, your physician can write an appeal to try and get coverage for you. Just be aware, if you use a prescription medication, that it might not make the cut.

Costco also offers individual and family health insurance. This type of coverage is only available to Executive Members living in California. The plan is through PacifiCare Health Insurance Company. Family and individual plans include prescription coverage, moderate deductibles, lower premiums, comprehensive medical services and benefits, a large network of providers, on-line support, and easy, fast claims processing.

Also, for families and individuals, group dental plans can be part of the overall coverage. Dental coverage is only for Executive Members living in California through Delta Dental. With Delta it is simple to switch to a dentist that accepts the coverage since there are so many providers. There are no claims to fill out and you will not have a waiting period for dental services you already know are covered. There are no deductibles, no increase in co-pays for specialists, coverage for orthodontic care, coverage for eligible cosmetic services, fillings, and general anesthesia for pre-approved procedures.

The final plan offered through Costco Health is Business Health Insurance. This coverage is available to Executive Members in California, Hawaii, Oregon, and Washington. In California, PacifiCare provides the medical coverage and Aetna Dental provides the dental coverage. In Hawaii Summerlin Medical and HDS Dental provide the coverage. In Oregon and Washington coverage is provided by Health Net Medical and Aetna Dental.

Though the companies may vary by state, the coverage is consistent. Costco Health provides businesses with coverage that employees are usually happy to have. Coverage includes rates that are competitive, moderate deductibles, medical and dental benefits that are comprehensive, a large network of providers, on-line services, and electronic payment.

Why Wouldn’t I Use Costco?

While this is a great plan for many people, there are some folks who should think twice. If you have a prescription medication you can’t do with out, have a family doctor that you are not willing to leave, or prefer to manage your rates by paying a high deductible then another provider might best meet those needs. If you are still unsure, call a knowledgeable and unbiased insurance expert at the number above. These professional don’t work for Costco, or any other provider, so they can give you guidance without worrying about making a sale.

Compare Costco Health Insurance Quotes

To further determine if Costco Health Insurance is right for you, you should compare Costco health insurance quotes online with quotes from other companies. You can use the comparison tool on this page right now to compare rates and quotes from top companies. Comparing rates will help you decide what coverage would fit best into your budget. A zip code, a click of the mouse, and almost instant answers; why not do it now?


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5 reviews

    • 11111
    • Not Rated
    • Not Rated
    • Not Rated

    The Costco Executive Member Dental Plan is a fraud. The plan lists deductibles but the Delta Dental service agency will pay nothing for your dental service. After joining, going to the plan’s dentists and being referred to the plan’s orthodontic dentist, Delta Dental paid nothing and attempted to hide behind bogus exceptions.

    I communicated to Costco Corporate for help, was dumped onto Delta Dental, took one year to get to court, Costco didn’t even show up, Delta rep. said “we never pay on this plan”, the judge ordered Delta to pay my bill and Costco has never even given me the courtesy of “we are sorry”.


  • I agree w. P. Marlow that the Costco Dental Plan leaves a lot to be desired.

    The dentist I went to decided I didn’t need to have my teeth cleaned after I took the time to set up an appt and see him. I called several other dentists and they tend to add some type of bogus fees such as “new member” fee of $75. If you can find a good dentist, it will be good. My husband seems to be satisfied with his dentist. He had a crown put in and then needed to have a root canal and the insurance paid half.

    The specialists seem to be better qualified than the dentists listed. Make sure to visit the office first as some of them are in poor condition and service tend to be very poor. Most of the dentists have negative ratings from Yelp and other sites on the net.

  • Roger B /
    • 11111
    • 55555
    • 44444
    • 33333

    You have to jump through hoops before they pay anything. Customer service is very good. They are very nice when they tell you they won’t pay.

    • 11111
    • 11111
    • 11111
    • 11111

    I have been waiting on hold for nearly an hour just to try to talk to someone about BUYING the Costco Delta Dental Plan. If they don’t answer the phone when you are trying to give them money, I can only imagine how bad it will be when I need to call them for something after they have my money. Such incredibly poor customer service has made me decide to not to purchase this plan.

    Trying to call some at Costco has resulted in long wait times and a “pass the buck” attitude. Costco is not what they used to be, and they don’t seem to properly vet the companies with whom they partner.

  • Miss.Rickman /
    • 11111
    • 11111
    • 11111
    • 11111

    I just try to get insurance for my daughter. talking through a broker that you could not understand, talked too fast,very rude and then asked to repeat what was just said. He got attitude and hung up on me. Great company.

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