Providence Health Plan vs Sanford Health Plan
Side-by-side comparison of NAIC complaint data and CMS claim-denial filings; the peer-relative grade is a separately documented, multi-vintage derived score.
This head-to-head compares Providence Health Plan (grade A, composite 95.1, licensed in 0 states) against Sanford Health Plan (grade A, composite 98.9, licensed in 0 states). The complaint figures are from NAIC MCAS 2024; the displayed grade and composite are multi-vintage derived measures that use CMS inputs when available, not same-year NAIC ratings. In raw terms, Providence Health Plan has 0 justified complaints on record while Sanford Health Plan has 0.
The complaint score is the most comparable single number because it adjusts for company size, a complaint score of - for Providence Health Plan versus - for Sanford Health Plan reflects complaints per dollar of premium written, not raw volume. Both companies post similar complaint scores, so neither has a meaningful edge on that specific metric. On the denial-rate side, Providence Health Plan has a denial score of 95.1 versus Sanford Health Plan at 98.9 - lower denial scores mean fewer claims rejected per claim submitted.
Practical takeaway when comparing Providence Health Plan and Sanford Health Plan: complaint and denial scores describe separate reported measures and do not predict an individual claim outcome. Both insurers post similar available complaint profiles, so current terms and state availability may differ. Because state regulation varies, an insurer that wins this national comparison may still rank differently in your specific state, check the state-level pages for both carriers before committing. This comparison is informational only and does not constitute financial, legal, or insurance advice; verify current rates and coverage directly with each carrier or a licensed agent.
Complaint & Performance Metrics
| Metric | Providence Health Plan | Sanford Health Plan |
|---|---|---|
| Reputation Grade | A | A |
| Composite Score Lower = fewer complaints | 95.1 | 98.9 |
| Complaint Score Lower = better | - | - |
| Denial Score Lower = better | 95.1 | 98.9 |
| Total Complaints | 0 | 0 |
| States Licensed | 0 | 0 |
Teal/bold = better performer on that metric. Scores normalized by premium volume, a lower complaint score is better.
What to Consider When Choosing
Complaint Score: Measures complaints relative to premium volume. A score below 50 generally reflects better-than-average consumer experience. Compare Providence Health Plan (-) vs Sanford Health Plan (-).
Denial Score: Based on CMS Transparency in Coverage data for health insurers. Lower scores indicate fewer denied claims relative to total claims received.
Geographic footprint: Providence Health Plan is licensed in 0 states. Sanford Health Plan is licensed in 0 states. Availability in your state is the first filter, many insurers do not operate nationwide.
Complaint ratio vs. raw complaints: Large insurers write more policies and therefore receive more complaints by volume. PlainInsurer normalizes all scores by premium size so companies can be compared fairly regardless of scale.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. Complaint figures use NAIC MCAS 2024; denial figures use CMS Transparency in Coverage PY2026; the peer-relative grade is a multi-vintage PlainInsurer measure. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.