What Is The Most Ethical Health Insurance Company? 
In my personal experience , all the companies I have worked with want to provide a service for their clients and do it honestly . They try hard to be fair and sometimes I have seen them bend in favor of the client . I think what people hear are the few times someone has been `` wronged '' by the company . From my own personal experience in such a case , I can say that companies can not air their side of the story . With one company I used to work with , the company offered a fair offer to settle in a small kitchen fire . The client refused and wanted the entire house rebuilt . The client went public about how the company would was not making a good offer . Over a year later , the community realized how unreasonable the client was being and his support dwindled quickly . The company had no recourse . The agents had no recourse . They could not talk about the details due to privacy issues . Meanwhile , the client is making every effort he can to publically trash the company . There are some situations where the company has to go by what the contract states and there may be some situation where it may not feel `` right '' to the client , but the company has to honor the contract . With all that said , I would recommend working with a broker to help you find an insurance company and also help fight for you in those situations where you feel like you have been wronged . Having a broker who is familiar with the people in the company will help your case more than you can imagine . 