- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
ConsumersAdvocate.org
267 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
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.
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.
- Affordable health insurance plans
- Compare and shop for plans online
- Online account management
- Rewards program
- 24/7 nurse advice line
- Telehealth service
- Customer support via phone, or through your online account
Latest Ambetter Reviews
AmBetter is the absolute worst insurance company that we've ever had! My wife was diagnosed with a ruptured disc in her back that is pressing on her nerves, has left her completely disabled, and requires emergency surgery. Now we have top wait 10-14 days for a 3rd party to authorize her surgery while she's in complete agony?! This is what we're paying nearly $700 a month for on a gold plan?! This is what happens when the government is involved in make health decisions for us!
This is my first and last year with Ambetter. They have denied every procedure requested by my Dr. Eventually, they approve them. If you are not careful and read the EOB, they will deny payment on these preapproved procedures.
I think they are fraudsters.
The worst insurance company ever. The customer service reps have no idea what they are talking about and leave you completely stressed out.
Unbelievably horrible. I have a torn meniscus, varified by an MRI, and they continue to refuse to cover this even after 3 appeals. I am now having to pay out of pocket to have my knee fixed in order to continue to work and go about daily life. How can this even be allowed to exist? its inhumane.
Worst insurance ever! Employees don't communicate with each other so no one at Ambetter can help. If I could give them a zero, I would. I have filed a complaint with the BBB and will file a complaint with the health insurance commissioner as well.
THE. WORST. INSURANCE. IN. LIFE.
Nothing routine is covered, and no one speaks English. I have spent the last 4 days trying to find an optometrist and after 10 calls to doctors today alone and 5 calls to the member services line, I still don't have a single appointment ANYWHERE!
Worst insurance ever. Visit their FB page and that will tell you everything. Their denial of claims are almost fraudulent and have been reported to the BBB.
Although Ambettee covers the cost of a routine screening colonoscopy, if you have any polyps it will not cover the removal of the polyps. This non-covered cost can be thousands of dollars
We had coverage 2023. I thought that we had picked out coverage for 2024 Unfortunately they said the coverage lapsed. Called week before end of month. Payment made at that time. They said we would get the info in 2 business days and that coverage was reinstated. Need to get blood thinner and we are told no coverage until 2/1. That would be ok except it will not show we have coverage 2/1 until a week or more after it starts. So in that regards we have paid for insurance that we cannot use. This is not right!
I spent over one hour between being on hold talk to an Ambetter representative and escalation team member with marketplace on the line. Here is the unprofessionalism I am experiencing. After waiting hours for them to send me a message, directing me to go ahead and create a new account with the new email. I could not get the verification code because they have an unknown email address in their system. I hope that they are not exposing my personal information to the wrong email address they have on file.
The craziest thing is they email me other information on the correct email address.
They deny routine physicals. Keep sending back with bogus reasons. Then they finally accept your claim but deny it saying you waited too long to file claim.
Then, they deny procedures that had a predetermination on file before proceeding. Customer service is horrible. They talk in circles and never answer for their denials. Find another insurance provider. Don't be fooled by them.
this company sucks big time never any help on the phone they just shuffle you around to different people
I been calling Ambetter about my 2024 insurance card. They can send a bill but no insurance card. I been getting the run around since the end of December from Ambetter, about my 2024 insurance card.
Absolutely the worst insurance I’ve EVER had. Everything my doctor orders they deny. When your health is at a low point you can count on Ambetter to make it worse by denying timely procedures or testing. So very frustrating to deal with. Healthcare providers have to call and beg/prove everything they order is justified to a doctor that is 3rd party. Don’t even think about calling the number on the back of your insurance card because you can’t understand the representative because English isn’t their first language!
I've had a broken ankle for over 5 weeks. The orthopedic surgeon they referred me to was called the day before my scheduled surgery and told the weren't in network yet they referred me to him. Meanwhile I'm on a broken leg still
AWFUL AWFUL CALL, AND CALL AND THE CUSTOMER SERVICE IN THE PHILLIPINES, THEY JUST READ A SCRIPT, CAN'T ANSWER ANY QUESTIONS. THEN THEY DISCONNECT YOU....THIS IS THE 4TH CALL THIS MORNING ON 1 PATIENT....DO NOT GET THIS INSURANCE EVER
I give my Ambetter Elite VALUE Bronze NO STARS. An outrageously expensive premium, which provides little health care coverage and medical options. Few, available PCPs, mostly retirement age, plus. Takes more than a year, to book an appointment, with a simple "specialist" like a Dermatologist. Forget getting appointments, with other specialists, during your year of coverage. Customer Service is outsourced to the Philippines, where staff admittedly work from home (Heard a rooster, on one call. Who else has access to our sensitive data?), intentionally keep you on hold, for literally an hour plus, after having passed you, around multiple times, and hang up when they can't answer your... Read More
This is the worst insurance company anybody could have. Their monthly payments are high and their deductibles are extremely high. They don’t cover a lot of the medication’s and poor communication with their providers.You
Good at claims payment. Very poor customer service, you are directed to a third world call center, not an Ambetter employee , very loud and busy background noise. Reps don’t speak fluent English, nor do they understand your fluent English. If they can’t understand or address your needs/inquiries, they eventually just hang up on you and you have to call them back and start the process all over again……
they put the CUSS! in customer service.
Horrible… took my money and then cancelled me because of no payment. Took payment but was not applied to account. Called customer service ( could not understand any representative as they speak broken English) they took another payment and then had a credit on balance. Went to use it and was denied. Spent 3.5 hours trying to get to the bottom of this only to be told to call back in a week. Is all they can do is put a ticket in. Asked to talk to supervisor, was told they were one. Asked to talk to their superior then told there was non!! So can not fill my prescription because I now have no insurance and with out insurance it costs $1600. And this prescription is vital for my... Read More
Well, we can start with the i am better of being better Healthcare insurance arising,not annoying what to do and me. Being CHA MEDICAID
LEARNING connected to other health care insurances and experiencing a lot of things going on, and the first schedule is my well-being in particularly financial institution is involved in habit is at all. Then I'm about to feel really, really a long-term
Absolutely horrible. Wait for weeks for a Pre-authorization and get denied. I have a Gold plan too, I pay a lot for my insurance that covers nothing!!!! Also, they reject everything, say it's not in the network when in fact it is. I had a rep tell me they would send my claims for review as they showed the provider in the network, yet the claims go unpaid!
They are terrible Customer service is the worst and they deny everything.
Ambetter/Silver Summit Health is THE worst insurance company I have ever had for coverage and have had to work with. Their customer service representatives are not informed, give boys responses, read of scripts ad nauseam, give contradictory (and typically incorrect) information, and don't call back if the signal to Manila is dropped, even though they ask you for your # in case of disconnection. Also, they have unqualified physicians assessing whether procedures should be approved or not. As my pain doctor said in disbelief and frustration, "What is a pediatrician doing assessing whether an MRI is needed for someone's cervical/back condition?!" The company also requires... Read More
Ambetter has been the worst insurance in my 30+ years dealing with health insurance companies. There are very few doctors/facilities in my area that are in network and any urgent care or emergency care facilities that are in network are miles from where I live in Seattle. They seem to find a way to charge me for a good portion of my annual preventative care visit even though it states in their plan that "preventative care/screening/immunization" is "No charge." And, calling their 1-877 # to get answers is painful....they ask redundant questions, hold times are extremely long, and the person on the other end always seems clueless and isn't helpful. I went the cheaper route with... Read More