Find your insurer

UnitedHealthcare offers commercial, Medicare Advantage, and Medicaid plans nationwide. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Anthem Blue Cross Blue Shield, an Elevance Health company, operates Blue-branded plans across 14 states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Aetna, part of CVS Health, offers commercial, Medicare Advantage, and Medicaid plans across most of the country. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Cigna Healthcare focuses on employer-sponsored commercial plans and Medicare Advantage. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Humana is primarily a Medicare Advantage insurer, with Medicaid managed-care plans in select states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Centene is a large government-sponsored insurer operating Medicaid, Medicare, and Marketplace (Ambetter) plans through state subsidiaries. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Kaiser Permanente is an integrated HMO that delivers and insures care through its own facilities in select regions. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Molina Healthcare focuses on Medicaid managed care, Medicare, and Marketplace plans in roughly 20 states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Bupa is one of the UK's largest private health insurers, offering health insurance alongside its own clinics and hospitals. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

AXA Health is a major UK private medical insurer for individuals and employers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Allianz is a leading provider of private health insurance (PKV) in Germany. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Techniker Krankenkasse (TK) is one of Germany's largest statutory health insurance funds. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Discovery Health administers South Africa's largest open medical scheme. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Momentum Health is a major South African medical scheme and health insurer. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Medibank is one of Australia's largest private health insurers, ASX-listed and covering several million members nationwide, with a large Members' Choice agreement-hospital network. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Bupa Australia is one of the country's two largest private health funds, part of the global Bupa group, offering hospital and extras cover with a broad agreement-hospital network. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Manulife is one of Canada's largest providers of group and individual health benefits. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Sun Life is a leading Canadian insurer offering workplace and personal health benefits. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

CSS is among Switzerland's largest health insurers, providing mandatory basic insurance (KVG/LAMal) and supplemental (VVG) cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Helsana, headquartered in Dübendorf, is one of Switzerland's leading health and accident insurers, serving more than 2 million insured people. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Zilveren Kruis is the largest health insurer in the Netherlands, part of Achmea. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

VGZ is one of the largest health insurers in the Netherlands. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Harmonie Mutuelle is France's largest mutual health insurer (mutuelle), providing complementary cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

AXA offers complementary health insurance (complémentaire santé) across France. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Bradesco Saúde, operating since 1984, is a leading Brazilian health insurer serving around 4.2 million beneficiaries, mainly through collective (corporate and membership) plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Amil, part of UnitedHealth Group, is one of Brazil's largest health plan operators, offering individual, family, and corporate plans with national and regional networks. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

SulAmérica, founded in 1895 and controlled by Rede D'Or, is one of Brazil's largest health insurers, with a national portfolio focused on corporate plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Star Health is one of India's largest standalone health insurers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

HDFC ERGO is a leading private general and health insurer in India. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

ICICI Lombard is one of India's largest private general insurers, with health products. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

AIA Singapore is a major life and health insurer offering Integrated Shield plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Great Eastern is one of Singapore's oldest and largest life and health insurers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Prudential Singapore offers health and Integrated Shield insurance plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Nippon Life (Nissay) is Japan's largest life insurer, a mutual company founded in 1889, offering life and medical cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Dai-ichi Life is one of Japan's largest life insurers (founded 1902), offering life and medical insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Japan Post Insurance (Kampo) is one of Japan's largest life insurers by assets, part of the Japan Post Group. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Hygeia HMO is one of Nigeria's largest and longest-established HMOs, with a wide hospital network. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

AXA Mansard Health is the HMO arm of AXA Mansard, one of Nigeria's leading health insurers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Reliance Health (Reliance HMO) is a technology-driven Nigerian health insurer offering affordable plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

a.s.r. is a large Dutch insurer offering mandatory basic health insurance (basisverzekering) and supplementary cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Aditya Birla Health Insurance is an Indian standalone health insurer offering health and wellness-focused plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Aflac Life Insurance Japan is Japan's leading provider of cancer and medical (third-sector) insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

AG2R La Mondiale is a major French social-protection group offering complementary health (santé), provident, and retirement cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Ambetter Health, a Centene brand, offers ACA Marketplace (individual) plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

AmeriHealth offers commercial plans in New Jersey and Delaware, while AmeriHealth Caritas operates Medicaid managed care in multiple states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

AOK is a group of regional statutory health insurance funds and one of Germany's largest insurers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

APICIL is one of France's leading social-protection groups, offering complementary health, provident, and savings cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

APRIL is a French insurance group offering complementary health (santé) and other personal insurance products. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Assura, based in Pully, is one of Switzerland's largest health insurers, known for budget-oriented mandatory basic insurance and supplemental products. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Australian Unity is a member-owned mutual offering private health insurance alongside its wealth and care services. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Aviva offers private medical insurance across the UK as part of its wider insurance business. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Avon Healthcare (Avon HMO) is a Nigerian HMO offering individual, family, and corporate health plans since 2013. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Bajaj General Insurance (formerly Bajaj Allianz General Insurance) is a major Indian general insurer offering health and other insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Bankmed is a South African restricted medical scheme with over 100 years in the banking and healthcare sector. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Barmer is one of the largest statutory health insurance funds in Germany. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Benenden Health is a UK not-for-profit healthcare mutual offering affordable private healthcare and health cash plans to members. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Beneva, formed from the merger of La Capitale and SSQ, is Canada's largest mutual insurer, offering life, health, and benefits coverage. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Bestmed is a self-administered medical scheme in South Africa. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Blue Cross Blue Shield of Michigan is the state's largest insurer, offering commercial and Medicare Advantage plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Bonitas is one of South Africa's largest open medical schemes. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Canada Life provides group and individual health and disability benefits across Canada. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Blue Cross operates regional not-for-profit health benefit plans across Canada. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Care Health Insurance is a standalone health insurer operating across India. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

CareFirst BlueCross BlueShield serves Maryland, Washington D.C., and Northern Virginia. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

CBHS Health is a restricted-membership not-for-profit fund founded for the Commonwealth Bank Group community — current and former employees and their families. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Clearline HMO is a long-established Nigerian HMO (incorporated 1994) with a nationwide hospital network. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

CONCORDIA, based in Lucerne, is a major Swiss health insurer offering mandatory basic insurance and supplemental products across roughly 160 locations. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

CZ is a major Dutch health insurer offering basic and supplementary cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

DAK-Gesundheit is a major statutory health insurance fund in Germany. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Debeka is one of Germany's largest private health insurers (PKV), with around 4 million private health insurance customers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Defence Health is a restricted-membership not-for-profit fund for the Australian Defence community — serving and former ADF members, Defence employees and contractors, and their relatives. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Desjardins is one of Canada's largest financial groups, offering individual and group health, life, and benefits insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Devoted Health is a Medicare Advantage insurer serving seniors in a growing number of states. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

DKV Deutsche Krankenversicherung, part of the ERGO Group, is among Germany's largest private health insurers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

DSW is a Dutch health insurer (zorgverzekeraar) based in Schiedam, offering mandatory basic and supplementary cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

EmblemHealth is one of New York's largest nonprofit insurers, serving commercial, Medicare, and Medicaid members. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Empire Life, based in Kingston, Ontario, offers individual and group life and health insurance and benefits. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Equitable Life of Canada is a mutual company offering individual and group life, health, and benefits insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Etiqa Insurance Singapore, the insurance arm of Maybank Group, is a MAS-licensed life and general insurer offering health and other cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Eucare offers Dutch basic and supplementary health insurance, including through its consumer brands. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Fedhealth is a South African open medical scheme offering customisable medical aid plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Florida Blue is the Blue Cross Blue Shield licensee for Florida. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

FWD Singapore offers a range of insurance including health, critical illness, and personal accident cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

GEMS (Government Employees Medical Scheme) is one of South Africa's largest medical schemes, a restricted scheme for public-service employees. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

GMHBA is a Geelong-based not-for-profit private health insurer, founded by local cement workers and now serving members nationally. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Golden Cross is a pioneer of Brazil's supplementary health sector, headquartered in Rio de Janeiro, offering corporate and individual plans across major cities. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

GreenShield is a Canadian non-profit health and dental benefits carrier and administrator. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Groupama is a French mutual insurance group offering complementary health cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Groupe Mutuel, based in Martigny, is a major Swiss insurer offering health (mandatory basic and supplemental), life, and corporate cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Hapvida is one of Latin America's largest health and dental plan operators, with an integrated own network of hospitals, clinics, and diagnostic units across all five Brazilian regions. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

HBF is a major not-for-profit health insurer founded in Western Australia, where it is the largest fund, and serving members nationally. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

HCF is Australia's largest not-for-profit private health insurer, with close to 1.8 million members. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Health Net, a Centene company, serves California across commercial, Medicare, and Medi-Cal (Medicaid) lines. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Health Shield is a UK friendly society, founded in 1877, providing health cash plans and workplace wellbeing benefits. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Highmark Blue Cross Blue Shield operates in Pennsylvania, West Virginia, Delaware, and parts of New York. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

hkk (Handelskrankenkasse) is a nationwide German statutory health insurance fund based in Bremen, among the country's twenty largest. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Horizon Blue Cross Blue Shield of New Jersey is the state's largest health insurer. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

HSBC Life (Singapore) offers health insurance including an Integrated Shield Plan (HSBC Life Shield) and other life and health products. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

iA Financial Group (Industrial Alliance) is a major Canadian insurer offering individual and group life and health benefits. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Income Insurance (formerly NTUC Income) is a major Singapore insurer with health cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Independence Blue Cross serves the Philadelphia and southeastern Pennsylvania region. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

KKH (Kaufmännische Krankenkasse) is a nationwide German statutory health insurance fund (GKV) with around 1.45 million members. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

KPT, headquartered in Bern, is among the ten largest Swiss health insurers, offering mandatory basic insurance and supplemental cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

L.A. Care Health Plan is the nation's largest publicly operated health plan, serving Los Angeles County Medi-Cal members. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

La Mutuelle Générale is one of France's largest health mutuals, providing complementary health and provident cover to around 1.5 million people. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Leadway Health is a Nigerian HMO (part of the Leadway group) offering retail, SME, corporate, and international plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Macif is a large French mutual insurer offering complementary health (santé) and provident cover alongside other lines. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Malakoff Humanis is a major French provider of supplementary health and welfare cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

ManipalCigna Health Insurance is a standalone Indian health insurer offering retail and group health plans with cashless hospitalisation. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Manulife Singapore offers private medical, hospitalisation, critical illness, and other health and life insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Medicash is one of the UK's oldest health cash plan providers, based in Liverpool, serving close to 700,000 people. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Medihelp is one of the oldest medical schemes in South Africa. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Mediplan Healthcare is an NHIA-accredited national Nigerian HMO providing prepaid managed care since 2000. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Medshield is a long-established South African open medical scheme offering a range of plan options. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Meiji Yasuda Life, Japan's first life insurer (1881), is a major mutual life and medical insurer. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Menzis is a Dutch not-for-profit health insurer. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

MetLife Japan, the first foreign life insurer in Japan (1973), offers life and medical insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

MetroPlusHealth, affiliated with NYC Health + Hospitals, serves New York City Medicaid, Medicare, and Marketplace members. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

MGEN is a French mutual insurer historically serving education and public-sector employees. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Mitsui Sumitomo Insurance, part of the MS&AD group, is one of Japan's largest insurers, offering medical and other cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

New India Assurance is India's largest public-sector general insurer, offering mediclaim and other health insurance products. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

nib is an ASX-listed health insurer headquartered in Newcastle, covering members across Australia and New Zealand. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Niva Bupa (formerly Max Bupa) is a standalone health insurer in India. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Grupo NotreDame Intermédica (GNDI) is among Brazil's three largest health operators, with roughly 6 million users and an extensive own network of hospitals and clinics. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Novo Health Africa is a technology-driven, NHIA-accredited national HMO operating across Nigeria. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Omint, operating in Brazil since 1980 and based in São Paulo, is a premium health and insurance operator offering individual, family, and corporate plans, including international coverage. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

ONVZ is a Dutch health insurer known for its free choice of providers. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Oscar Health is a technology-focused insurer offering ACA Marketplace and small-group plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Porto Seguro offers health insurance in Brazil through its subsidiary Porto Seguro – Seguro Saúde S/A, alongside its broader insurance and financial services. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Premera Blue Cross serves Washington and Alaska. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Prevent Senior is a São Paulo–based Brazilian health plan operator known for an integrated own-network care model. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Priority Health, part of Corewell Health, is a major Michigan insurer across commercial, Medicare, and Medicaid lines. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Profmed is South Africa's largest restricted medical scheme for graduate professionals. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

ProHealth HMO is an NHIA-accredited national Nigerian HMO offering managed-care health plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Raffles Health Insurance, part of Raffles Medical Group, offers Integrated Shield Plans (Raffles Shield) and other health cover in Singapore. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Regence operates Blue-branded plans across Oregon, Washington, Idaho, and Utah. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Salland (part of ENO) is a regional Dutch health insurer with national coverage, offering basic and supplementary insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Sanitas, based in Zurich, is one of Switzerland's larger health insurers, serving roughly 900,000 customers with basic and supplemental cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Signal Iduna is a major German insurer offering private health insurance (PKV) alongside other insurance lines. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Simplyhealth is one of the UK's largest health cash plan providers, with over 1 million members and more than 150 years of operation. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Singlife is a Singapore insurer offering health and Integrated Shield plans. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Sompo Japan, part of Sompo Holdings, is a major Japanese insurer offering medical and other cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Sumitomo Life is a major Japanese mutual life insurer offering life and medical cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

SWICA, headquartered in Winterthur, is a major Swiss health and accident insurer offering mandatory basic insurance and supplemental cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Sympany, operating as Sympany Services AG, is a Swiss health insurer offering mandatory basic and supplemental cover, including products for cross-border commuters. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Tata AIG General Insurance is a major Indian general insurer offering health (mediclaim), motor, travel, and other insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Teachers Health, established in 1954, is Australia's largest industry-based health fund — a restricted fund for the education community and their families, covering more than 300,000 lives. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Tokio Marine & Nichido (founded 1879), part of Tokio Marine Holdings, is Japan's largest non-mutual private insurer, offering medical and other cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Total Health Trust (THT), a Tangerine company founded in 1997, is one of Nigeria's leading HMOs. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Tufts Health Plan, now part of Point32Health, serves New England across commercial, Medicare, and Medicaid lines. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Unimed is Brazil's largest health-plan system, a confederation of medical cooperatives covering around 20 million beneficiaries and present in most Brazilian municipalities. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

UPMC Health Plan is an integrated, provider-owned insurer based in western Pennsylvania. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Visana, headquartered in Bern, is a Swiss health and insurance group offering mandatory basic insurance and supplemental cover. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

VitalityHealth provides private medical insurance in the UK with a wellness-linked rewards model. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

WellCare, a Centene brand, offers Medicare Advantage and Medicaid managed-care plans. Coverage for inpatient rehab, outpatient therapy, home health, DME, and medications varies by plan, state, network, and medical-necessity documentation. Prior authorization is commonly required for higher-cost post-acute services such as inpatient rehab, SNF, certain DME, and extended therapy.

Westfield Health (Westfield Contributory Health Scheme Ltd) is a UK health cash plan and wellbeing provider regulated by the FCA and PRA. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

WPA is a long-established not-for-profit private medical insurer in the UK. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Zorg en Zekerheid is an independent regional Dutch health insurer with national coverage, offering basic and supplementary insurance. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.