- Types of plans offered
- Service areas
- Service areas
- Access to plan information
Types of Plans Offered
It's somewhat difficult to access specific information about the types of health plans Ambetter has. Their website primarily just explains the metal tiers for their plans, as well as how essential health benefits are covered by every plan. But to find out what kinds of plans these are (such as HMO, PPO, etc.), not to mention what prices and benefits you qualify for, you'll have to contact a representative.
Up front, it's important to know that Ambetter is part of the Health Insurance Marketplace (HIM). It's Centene's option for HIM plans, which is intended for people who don't have health insurance and maybe don't qualify for typical plans. In HIM territory, Medicare isn't an option, for example, because if you qualify for Medicare, that's the legal option for you to get rather than taking advantage of a plan like Ambetter's. Medicaid and CHIP are HIM plans, though.
Ambetter has PPOs, HMOs, and EPOs. They don't offer HSAs though. They've divided their plans into three metal tiers: Bronze, Silver, and Gold. All three of these tiers cover "essential health benefits," Ambetter's term for services like preventative and emergency care, therapy, behavioral health help, medications, maternity, and hospitalization. But the difference in the tiers comes in the costs for premiums and out-of-pocket expenses. Bronze plans have the lowest premiums but the highest OOP costs, and Gold has the highest premiums but the lowest OOP costs. Silver, of course, is the in the middle.
Ambetter plans are available in a select few states. These are Arkansas, Florida, Georgia, Mississippi, Illinois, Indiana, Massachusetts, New Hampshire, Ohio, Texas, Washington, and Wisconsin. If you don't live in any of these states, then obviously Ambetter isn't an option for you.
No Mobile App
Unlike many of its competitors, Ambetter doesn't have a mobile app. Some companies provide this for members to access their accounts right from their phones, making communication and logistics much easier. Ambetter hasn't provided this yet, making account management slightly less convenient than with other companies.
Access to Plan Information
Ultimately, it's kind of hard to find specific information about the health plans at Ambetter. The company doesn't provide enough assistance with truly understanding HIM plans, knowing which types are available up front, and comparing the costs of these plans in one place.