We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. 2. 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. Complaints against Ambetter include poor customer service, difficulty with pre-authorization, and high costs for limited coverage. The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. The company services and plans are good. 3 comments. hide. Then, as with other Ambetter health insurance plans, once you reach the out-of-pocket maximum, all medical services are covered by the insurer. Ambetter is one the biggest players in the field of Insurance. Still waiting after several days. Buy health insurance today. Some Ambetter plans come with vision and dental insurance. My doctor was showing as a provider on date of service but the claim was denied as being out of network. Will never use this insurance again. We know we can only be successful if we take your trust in us seriously! For some Ambetter Balanced Care policies, the deductibles will be less than the out-of-pocket maximums. Customer service reps have no idea what they are talking about. Any good/bad opinions of Ambetter health insurance? For example, in Florida, Ambetter plans are marketed as Ambetter by Sunshine Health but are operated and underwritten by CeltiCare Insurance. Dental and vision insurance plans are available, but policies can be hard to obtain since Ambetter is only offered in a limited number of areas. As you can see, Ambetter has the cheapest rates available in Florida, with its individual quote being $98 less than the next cheapest option offered by Health Options Inc. I was looking for another insurance company. I have NOT had all these problems that others are speaking of. Health insurance plans from Ambetter are best if you want basic coverage and member benefits at an affordable monthly premium. Im 30 and in good health and see a lot of providers near me. Ambetter has the worst network, low pay and very bad Member and Agent assistance. Worst insurance company I have ever dealt with. These health care categories differ in the monthly premium along with the deductibles and out-of-pocket maximums. The company is only an on-exchange health insurance option meaning it does not directly sell the product to you. Ambetter offers affordable health insurance plans through the Health Insurance Marketplace. I have an important Covid question related to my financial and well being that I can not get any assistance from Ambetter!!!! The Ambetter Essential Care category has Bronze metal plans, which are the cheapest policies that the company offers but have the highest deductible levels. 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. Ambetter offers customers affordable health care plans in 14 states including Arkansas, Arizona, Georgia, Florida, Indiana, and Nevada, among others. I have no words to describe what these people are and how they operate. This is optional insurance that you can add onto your health policy and covers services like eye exams, prescription eyewear and teeth cleanings. Partners may influence their position on our website, including the order in which they appear on the page. They have horrible pharmacy benefits. The key is clearly understanding who accepts this insurance. It has received a 1.4/5 star rating from reviews left on Best Company. ", "Don't use Ambetter it should be amworst.". 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. It has an Exclusive Provider Organization (EPO) network, meaning that coverage from any provider in the network will be free or eligible for co-insurance from the company. CareSource was much better and had better pharmacy benefits so plan to switch back to CareSource during open enrollment. However, they all are qualified health plans and cover essential health benefits like urgent care. Invitations on ConsumersAdvocate.org for application for insurance are made only where licensed by and through Consumers Advocate Group, LLC (in Florida, Consumers Advocate, LLC; in New York, Consumers Advocate Group of Washington, LLC; and in California, Fran Powel Insurance Services, LLC), and its designated insurance producer, Francine Powel, as an independent agent. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. We know we can only be successful if we take your trust in us seriously! The site does not review or include all companies or all available products. I have called several times only for someone to pick up and hang up, or they pick up and say nothing while you can hear children in the background. Our Comments Policy  |  How to Write an Effective Comment. Worst insurance company we have ever dealt with. If you are under-insured or uninsured and need low-cost healthcare, Ambetter may be a good option because they offer affordable plans. Recent recommendations regarding this business are as follows: "avoid", "Do not enroll in Ambetter, it might save your life. The sample policies shown are for Miami-Dade County in Florida, but your individual plan availability and pricing may differ as it is dependent on the state and county you live in. 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. When you purchase an Ambetter policy, your point of contact for questions would be Celticare. Is a four month waiting period acceptable for an appointment because nobody in my area accepts this crappy insurance? We called them, told em we cancelled, they said they didn't receive the request. These commissions are how we maintain our free service for consumers. Posted by 12 months ago. save. i have ambetter, by buckeye health plan.. they list a bunch of local doctors that accept ambetter insurance.. upon selecting a doctor,, you call and make an appointment.. only to find out that they won’t take ambetter insurance,, i have been on the internet,, going from dr. to dr. and can’t find any … We haven't made any claims to Ambetter. Even if your POS or PPO insurance pays a portion of the cost, the medical provider can bill you for the difference between their regular charges and what your insurance … Oscar Health Insurance, a young New York-based start-up valued at $1.5 billion, is lauded as a disrupter among its more traditional contemporaries. Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services. Ambetter insurance benefits include: At Ambetter, we provide you with the benefits, tools, and coverage you need to take charge of your health. Attention: Ambetter is a very unpopular health insurance company. Instead, once the deductible and out-of-pocket maximum have been met, you will have no cost for any in-network medical services, as they will be completely covered by the insurer. Each plan has a different type of coverage and payment, but all of them include essential health benefits such as emergency services, hospitalization. Actually Ambetter has been better that Kaiser, Aetna and several others for me. Ambetter policies have some of the cheapest rates available when compared to other health insurance plans, but they are not available in all states. Nothing but a bunch of crooks and conmen lining their pockets while I can't even find a doctor who takes their insurance. Furthermore, many members reported getting billed incorrectly and not being able to find providers that accept Ambetter insurance in their areas. If you sign up under the Affordable Care Act please consider choosing another company for your needs. When I dropped off the policy that my husband I were on together and left my husband only on the policy, then the new card failed to work at the pharmacy it took me 2 hours on the phone trying to get them to fix the error. Ambetter also received an NAIC complaint ratio of 1.12—meaning the company has received more than the median number of complaints based on its size. Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. For more information please see our Advertiser Disclosure. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Partners may influence their position on our website, including the order in which they appear on a Top 10 list. They know there were no services rendered. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. To enroll in a health plan from Ambetter, you would need to apply on your state health insurance marketplace during an Obamacare open enrollment period. To make this comment as helpful as possible for our community, please provide at least 2 sentences. Silver metal plans are sold through the Ambetter Balanced Care category, which have lower deductibles and out-of-pocket maximums. Then, once the out-of-pocket maximum is reached, all medical expenses would be 100% covered. When I search for a pharmacy the closest one is now 50 miles away! I am sorry I ever became involved with AM Better Health Ins. Question. I have spent weeks back and forth with this company in attempting to have a medical procedure completed within a time frame in which after word medical professionals state the issue could not be corrected. Many policyholders complain about long phone call wait times when dealing with Ambetter employees, along with providers not being paid for medical services. Typically, these plans are used to cover an extremely high, one-time medical expense. The site does not review or include all companies or all available products. At first the company was great but all of a sudden this month , they came out with a new provider directory which is awful and no longer shows my provider. Ultimately the choice is yours. However, Ambetter policies with the vision and dental add-on will come with an additional monthly premium. Ambetter health plans are available for purchase from select states and are offered through different insurance companies. When filing a claim for this bill, the first $6,500 would be paid by you and then the next $1,000 would be paid by the insurance provider. I also agree if we are selling only under 65 for a living we will starve. They have been ripping me off for a year. Any good/bad opinions of Ambetter health insurance? Therefore, you would be eligible for coinsurance, during which your insurance provider would pay for a portion of all your medical expenses. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. In 2019 I was no longer able to afford Kaiser Premiums. ","vendor":"vp"}, {"disclosureMessage":" \u003Cp\u003EAdvertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This would bring your total bill to $1,100. 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