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Ambetter Health Insurance Review

282 Customer Comments & Reviews - see all comments
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Ambetter is a health insurance company owned by the Centene Corporation, which is a multi-national healthcare company that provides programs and services to under-insured and uninsured individuals. Ambetter offers customers affordable health care plans in 14 states including Arkansas, Arizona, Georgia, Florida, Indiana, and Nevada, among others.
 
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Ambetter is Centene Corporation’s option for a health insurance marketplace, so it’s intended for individuals who lack health insurance, and possibly don’t qualify for traditional plans.

What’s Included in Ambetter’s Health Insurance Plans?

Ambetter health insurance plans offer prescription coverage, mental and behavioral health services, integrated care management, maternity and newborn care, 24/7 nurse advice line, Ambetter Telehealth, My Health Pays Rewards, and optional vision and dental coverage for adults.

The company has three plan options to choose from: Ambetter Essential Care, Ambetter Balanced Care, and Ambetter Secure Care, which are classified as bronze, silver, and gold, respectively.

The Ambetter Essential Care offers lower monthly premium payments, but higher out-of-pocket expenses, the Ambetter Balanced Care offers the best balance between monthly premium payments and out-of-pocket expenses, and the Ambetter Secure Care has higher monthly premium payments, but limits your out-of-pocket expenses.

Each plan has a different type of coverage and payment, but all of them include essential health benefits such as emergency services, hospitalization. outpatient or ambulatory services, preventive and wellness services, maternity and newborn care, pediatric services, mental health and substance abuse services, and laboratory services, among others.

Final Thoughts

Overall, Ambetter offers flexible healthcare options that fit different budgets and needs, with a few perks like the company’s My Health Pays Rewards, which allows customers to pay for medical expenses with the money they earn through the program, a 24/7 nurse advice line, and Ambetter Telehealth, which provides 24/7 phone or video access to in-network providers for non-emergency health issues. Additionally, Ambetter members can manage and pay for their account online, and the company’s website offers helpful tools like a provider search engine, and educational articles for those who want to learn more about insurance.

Having said that, Ambetter health insurance also has its drawbacks, like the fact that it’s only available in 15 states, you must sign up during the open enrollment period, and that the company may have stricter requirements to qualify than other traditional insurance companies, so customers should keep this in mind before purchasing.

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282 Customer Comments & Reviews

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Mike T
1/2/2023
Signed up with them through a healthcare.gov agent due to finding the low pricing attractive. Only to find out after calling around my area that same day that their website listings of practices who they stated would accept their insurance was completely fabricated and/or out of date. As almost every single of the 10+ ones listed in a 25 mile radius I made an inquiry to confirmed they would *NOT* accept Ambetter insurance, and/or hadn't accepted in quite some time. Filed a cancellation and refund request direct through both healthcare.gov and Ambetter, which on both ends was acknowledged and accepted. Followed up by a switch to different insurance company who's accepted location... Read More

Syed B
12/28/2022
Terrible insurance company. Doesn't cover anything. If you call the hold time is at least an hour.

C
Carol B
12/28/2022
A customer service representative fraudulently signed my husband and myself with health insurance. We have called and reported this and are still constantly getting calls about our insurance plan. We even received insurance cards. They even listened to the conversationy husband had with the representative where they never heard my husband agree to the terms and declined the instance policy.

Christine K
12/15/2022
The customer service is the absolute worst. I called 12/12/22, to tell them I would need to cancel my insurance as of 12/31/22 as I will not renew. I was told you I had to call back 3 days before I wanted it to cancel. I got a letter 12/14/22 telling me my insurance was cancelled. I called and of course they were having computer issues and they would call back. No one ever did. I am now without coverage for 18 days. The coverage options cause a great deal of out of pocket expense.

Christine K
12/15/2022
The customer service is the absolute worst. I called 12/12/22, to tell them I would need to cancel my insurance as of 12/31/22 as I will not renew. I was told you I had to call back 3 days before I wanted it to cancel. I got a letter 12/14/22 telling me my insurance was cancelled. I called and of course they were having computer issues and they would call back. No one ever did. I am now without coverage for 18 days. The coverage options cause a great deal of out of pocket expense.

Christine K
12/15/2022
The customer service is the absolute worst. I called 12/12/22, to tell them I would need to cancel my insurance as of 12/31/22 as I will not renew. I was told you I had to call back 3 days before I wanted it to cancel. I got a letter 12/14/22 telling me my insurance was cancelled. I called and of course they were having computer issues and they would call back. No one ever did. I am now without coverage for 18 days. The coverage options cause a great deal of out of pocket expense.

huffed3100
12/10/2022
Total rip off! Run from this sleazy outfit. None of the tests your doctor orders will be approved in any reasonable time, if at all. High deductibles. The" crooks", IMO, who run this company must laugh at the suckers who enroll in this so-called plan and pay good money to get totally ripped off and disrespected. "Am-Sleazier" also underpays the providers less every year so nearly all the doctors in my area have dropped this fraud. IMO this is a fraudulent company and should be reported to the state dept of Insurance for consumer fraud.

huffed3100
12/10/2022
Total rip off! Run from this sleazy outfit. None of the tests your doctor orders will be approved in any reasonable time, if at all. High deductibles. The" crooks", IMO, who run this company must laugh at the suckers who enroll in this so-called plan and pay good money to get totally ripped off and disrespected. "Am-Sleazier" also underpays the providers less every year so nearly all the doctors in my area have dropped this fraud. IMO this is a fraudulent company and should be reported to the state dept of Insurance for consumer fraud.

dermatologistname
12/9/2022
Really terrible insurance. Will not approve any tests your doctor orders. Causes me, a patient, a tremendous amount of wasted time to get even a simple test approved, leaving me holding the bag and effectively with ZERO medical service. Underpays the provider for service, which is why my doctor will not take this insurance starting this year. This company is a FRAUD.

gina.scpac
12/6/2022
Ambetter, needs to do better with the customer service center. The representatives don't have a good handle on understanding or speaking English. They don't understand what your needs are as well as it is always a loud background, either from working in what sound like a small room with hundreds of people in it all talking at the same time, or backgrounds from home with children and animals. It is discussing, to spend hours to get an answer to a simple question. I fault Ambetter for trying to have cheap labor without respecting your clients by equipping the works with basic knowledge. I feel for the worker who are trying to earn a living for their families and are being stressed out by... Read More

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