Ambetter insurance specializes in health insurance plans on the Health Insurance Marketplace in twelve states. These plans are also sometimes called Obamacare plans. Ambetter health plans are operated by the Centene Corporation. If you're looking for another kind of plan or don't live in an Ambetter service area, you'll need to consider other health insurers.
Attention: Ambetter is a very unpopular health insurance company.
It has received a 1.4/5 star rating from reviews left on Best Company. Roughly 88 percent of the Ambetter reviews on Best Company gave a 1-star rating. Complaints against Ambetter include poor customer service, difficulty with pre-authorization, and high costs for limited coverage. Most customers do not recommend buying healthcare coverage from this insurance company.
Ambetter health insurance's covered services include preventative and emergency care, therapy, behavioral health help, medications, maternity, and hospitalization. It is an on-exchange health insurance option in the Health Insurance Marketplace.
Health Insurance Marketplace plans offer comprehensive health insurance coverage. For health plans to be on the Marketplace, they must be a qualified health plan that covers the essential health benefits listed in the Affordable Care Act.
To enroll in Ambetter insurance, you need to apply during Open Enrollment. The Open Enrollment period for 2020 healthcare coverage runs from November 1, 2019 to December 15, 2019. If you missed the enrollment period, you may qualify for a Special Enrollment Period after December 15, 2019 if you have a Qualifying Life Event.
If you're looking to get an Ambetter plan, you can view their health plans by first selecting the state you live in and then selecting the type of health plan tier you're most interested in. From there, your options open up to several different plans with varying prices and benefits.
Ambetter Health Insurance Marketplace plan options include: Ambetter Essential Care (Bronze Plan), Ambetter Balanced Care (Silver Plan), and Ambetter Secure Care (Gold Plan).
Each plan offers insurance coverage for the essential health benefits listed in the Affordable Care Act, but the cost-sharing rules for medical expenses are different for each tiered plan option.
Members with Ambetter Essential Care pay lower premiums but have higher out-of-pocket expenses.
Ambetter Balanced Care, the Silver Plan, offers higher premiums and a lower out-of-pocket limit.
Ambetter Secure Care has higher monthly premiums, but the lowest out-of-pocket expenses of the three plan types.
For specific coverage and cost information, including the deductible, out-of-pocket expenses, and premium costs, you'll need to work with Ambetter directly. Depending on your income, you may qualify for a tax credit subsidy on your monthly premium.
Each Ambetter member has access to an online portal through which they can make all of their payments, view healthcare plan benefits, and take care of logistics like obtaining a member ID card. The member portal offers extra features, too, such as providing reminders for members when they are due for another doctor's visit or allowing them to take a health risk assessment to determine which steps they can take to live healthier.
Members can track their claims 24/7 through the online portal, as well as connect with member services at any hour of the day.
The subsidy estimator in the online account also helps members see how much they would receive for reimbursement for a treatment with their benefits. If you qualify, the subsidy lowers what you pay for the monthly premium charge.
Ambetter provides more than just logistical tools for members. Many of the extra features it offers also send the message that Ambetter wants members to get healthier and stay healthier. These tools include a 24/7 nurse hotline that members can access for questions and medical needs.
There are also health-promoting programs to support members with dealing with behavioral health and maternity and newborn care. Ambetter offers 24/7 Nurse Advice Line and integrated health management to enhance members ability to get the most out of their medical care. Ambetter also offers telehealth access with some of its plans. With telehealth, members can have phone or video access to in-network providers for non-emergencies.
My Health Pays™ is Ambetter's rewards program to provide incentives for members to live healthier with better habits. You can earn money for taking a survey provided by Ambetter, getting a flu shot, or having your wellness exam, and this money can go toward your next premium. Members can be reimbursed for gym membership payments as well. This rewards program promotes health and well-being among Ambetter members. While this program is great, it's only available in some of the states Ambetter services.
Dental and vision coverage are available with Ambetter, but the benefits and availability of each are entirely specific to the state you live in and the type of health plan you've signed up for. Dental benefits, for example, is not available in Texas, but vision insurance is. Dental coverage includes exams, cleanings, and screenings, overall, and vision benefits include yearly eye exams and glasses or contacts. Those seeking vision coverage and dental benefits in addition to health insurance can find options through Ambetter.
Ambetter has received an overwhelming number of 1-star reviews on Best Company. These Ambetter reviews mention difficulty getting medication and treatments approved for coverage, issues with claims that were difficult to resolve, frustration with customer service, and difficulty finding an in-network provider.
With such a high number of 1-star reviews, you'll be better served choosing another company if you can.
It's somewhat difficult to access specific information about the types of health plans Ambetter has. Its website primarily just explains the metal tiers (gold plan, silver plan, and bronze plan) as well as how essential health benefits are covered by every plan.
To find out what kinds of plans these are, such as Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO), not to mention what prices and benefits you qualify for (like out-of-pocket expenses, copayments, deductibles, covered services specifics,and if you need prior authorization for certain medical services), you'll have to contact a representative.
Upfront, it's important to know that Ambetter is part of the Health Insurance Marketplace (HIM). It's Centene's option for HIM plans, which are intended for people who don't have health insurance and maybe don't qualify for typical plans.
Ambetter only offers Marketplace plans. If you are looking for another kind of insurance plan, like a short-term health insurance, Medicare, or Medicaid, you'll need to find another insurance carrier.
Ambetter plans are available in a some states. These include Arkansas, Florida, Georgia, Illinois, Indiana, Massachusetts, Mississippi, New Hampshire, Ohio, Texas, Washington, and Wisconsin. If you don't live in any of these states, then Ambetter may not be an option for you.
Even if you do reside in one of the states they service, make sure to check the location of their in-network providers (e.g. a primary care physician, specialist, etc.) for your state to ensure they have an in-network provider near you.
Unlike many of its competing insurance companies, Ambetter doesn't have a mobile app. Some companies provide this for enrollees 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.
Call our recommended rep over at Ambetter below.
This health plan sucks so bad like nothing I have ever experienced in my life. I will private pay my own doctors rather than go to the quacks that take this health plan. Why is it that because I don't speak Spanish that I am not entitled to the same quality of care than these people do. The doctors around here speak no English. Don't EVER SIGN UP FOR THIS SHIP OF FOOLS!!
Worst insurance ever! Customer representatives are whole bunch of idiots and so irresponsible! A simple preventative blood test should be paid for but it has been more than 6 months, still not resolved. If I had a choice, I would never use them. Thanks to Obamacare! What a liar! You can keep your insurance and keep your doctor, really?
My husband has been with Ambetter for 1 1/2 years and I joined this year. We pay $1671 a month with $6500 deductible each, and we are in good health. Being self employed, there are not many choices. We send in the MyHealthPays rewards for gym visits every month to at least get $20 each off our costs. Half the time they accept my husbands, but mine have not gone through one time this year. I have called countless times and someone is always going to get back to me.........but it never happens. Many of their employees are so rude. Thank goodness we both turn 65 next year. At least then we will be on Medicare.....lower costs and better coverage.
AMBETTER .... WORST INSURANCE EVER‼️😡 While they set me up on auto pay to deduct my monthly payments without my permission or any type of warning they deducted large amounts on May 15, 2018 in the amount of $1,325.58 Another on Jun 15, 2018 in the amount of $662.79 & another in July in the amount of $1,295.00 They stated I had agreed to pay any and all charges nasasary when I agreed to do auto pay. I’m so busy I had not checked my account & when I did I was in complete Shock. Worst part is I have never once used the insurance while I was paying my reg payments. I just wanted to have insurance for peace of mind in which AMBETTER has caused me anxiety instead of peace. Please be very careful with AMBETTER insurance as all they care about is taking money from their members. I have filed a dispute against Ambetter for being THIEVES.
Most of the doctors in my area won't take this insurance. Some of my doctors that did carry it have dropped it, and I have had to find new doctors farther away. Many of the doctors that I checked on their site actually do NOT take the insurance. Every year the prices for this insurance has gone up by huge amounts. They have also decline a surgery that I needed. This is a sad excuse for medical insurance.
Customer service does not even attempt to care about questions/issues I have regarding my insurance. The plans are convoluted and inadequate, and no one even cares. What a sad broken system we have. It doesn't have to be this way.
richard w butler
no improvement; love the low co-pays and 0 dollars on most prescriptions
Don't get this insurance Melissa supervisor in customer service is horrible and won't help you with anything the WORST customer service Ever if you don't want to be ignored and a 0 priority stay away from getting An better coverage
I have no problems with ambetter in Indiana. My questions get answered correctly. It seems they pay the provider quickly. My husband had to have MRI and brain scans approve. We received in a timely matter. The only complaint I havevisbthr selection of providers are very limited. You have to do a lot of searching find doctors.
Horrendous! They told me that my GP was in their roster, she was not. Then they gave me a list of dr.s to call but none were GPS. The website had issues and they were not helpful. The dr I have now through them is inept.
No truthful on webpage about who primary care professional they allowed you to use
Ambetter is AWFUL! I pay $700/month and you pay very little and most of my doctors are not in your network. I have a triglyceride pill which you don't cover and I have had other insurance companies cover it for approx. 7 yrs. You have way too many prior authorizations. I will switch next year. Absolutely poor service from you.
Provide immediate answers on claims questions instead of repeating what is on the web site which we can see
Their website doesn't work , there isn't a list of providers as other insurance companies have. I can't pick or change a PCP without calling Ambetter's terrible customer services. They give you doctor's that aren't on Ambetter's plan. I can't get a supervisor to speak too. I will not use them again, Molina was better.
If I can give him a negative star I would . I was admitted to the hospital on a Wednesday on Saturday all I needed was an approval for home health care. 5 days later I was still waiting for the approval meanwhile bills are going up and no income coming in all I can assume is that they just want me to get frustrated and walk out of the hospital so they wouldn't have to pay for the home health care. I guess I'll just put them on the Evening News to show how incompetent and what kind of garbage they really are.
Like many, I would give zero stars to this insurance policy, which fits the criteria in name only. The network is partially fictitious, as many providers listed in network will angrily hang up on you for trying to book an appointment with this insurance. Other providers listed as being in Chicago were actually located in St. Louis, due to a data entry error that seems like it may have been intentional considering the other problems with the network. What providers they do offer will generally treat patients even without insurance, making it much more expensive to seek care while using Ambetter insurance than if you simply remained uninsured. None of my providers have concealed their contempt and frustration with Ambetter, which has a reputation for not paying on claims. For this reason, do not be surprised if providers suddenly drop their support for certain benefits. Yes, it is nice that some of their plans include vision policies; it's much less nice to learn that your vision provider will only provide an eye exam and no longer honor the contact lens/eyeglass benefit from Ambetter, due to a history of unpaid claims. A class action lawsuit against is underway against an Ambetter plan in Washington for its lack of coverage; this lawsuit should go nationwide as the provider employs the same cynical practices in nearly every state, as the reviews suggest.
Worst customer service specially Jackie!
My husband had to choose a different Ins. Co. But these was only one! Since we had one last year that was fair pricing he Signed up! First bill was NO PAYMENT DUE...send month the same. Now we get a bill for $3,000 sent in paper work to investigate still get bill for $3.000 my husband collects his social security next month and only earned $4.000 last year. Seems apples don’t fall from the tree and we are all more or less in the same boat
I started my insurance in Jan. of 2018 and set up auto pay for them to take out my premium every month. They decided not to take my April 28th premium out and canceled my insurance on May 1st. Every time I call them and ask them why they refused to take the premium out of my bank account they have no idea. Now I'm in the process of appeal. It would be nice to have health insurance in case I ever needed it. Horrible company! Only one left in KS.
THE ABSOLUTE WORST!!! I decided to go with another insurance company after I paid my first premium ( so I never had this insurance), unfortunately almost 2 months later, I have YET to receive my refund. DO NOT USE THIS COMPANY!!!
I signed up for Ambetter Sunshine health, and came to find out that none of the local hospitals would accept the insurance. The closest participating providers for my needs are around 30 miles away and into a adjacent county. Called to cancel the insurance, and they replied that they are required to give a 14 day notice and that I as an insured am responsible for the full months bill of that window period. Further the I.R.S may access a penalty fee of $642.00 or 3.5% of my Gross income. I feel that they should be sued for bait and switch- for not having enough participating providers within a specific coverage area. At the beginning of next month, I will send them a delivery confirmation letter that states that this will be the last month of coverage.
michelle l pierce
This is my medical insurance company, They have gone above great to help me any time I have had an issue.
Slow paying providers, no in network specialists in our area such as dermatologists, copays for meds makes it cheaper to pay cash and am getting dnned freom them even though I have autopay set up on web site, customer service sucks, they can't seem to do ANYTHING competently. What a scam health insurance and much of the healthcare industry itself has become and Amworst is leading the pack.
Gloria Etta Hamilton
Even though Ambetter did not approve of physician recommended Bariatric Surgery, because I have high blood pressure and in a pre-diabetic condition, I am still grateful to have the insurance. For the most part, it’s a good insurance to have. My copayments are low on prescriptions and office visits. I was badly in need of healthcare and couldn’t afford it before going to Healthcare.gov. I was in so much pain from Osteoarthritis wearing away at my hip joints. I felt like nobody cared even though I have worked hard most of my life. And I still work. Ambetter is all right with me.
Signed up in 2018 for Health Insurance. Used website to contact a specialist for a well woman annual check up. Called the specialist to make sure they accepted Ambetter because several of the Doctors from the website did not take Ambetter insurance. Went for check up and Ambetter would not pay the bill because the doctor is no longer in network. Had to pay full bill. Terrible insurance and a big racket looking into cancelling this insurance and WILL NOT use this company again next year.
Mrs Astrid John Linerode
I applied for health Ins this year due to my previous inc being no longer in service. When I was billed for two months no payment was due. This was due last year due to my earnings. Now we get a payment for $3,000 for two months.
Ambetter refuses to treat my hepatitis C because I don't drink my liver shows little damage although my blood work shows F4 of the virus in my blood I was told I must be on a journey to be treated
The list of primary care providers is not accurate! i have called the first 40 doctors listed on the ambetter site. None of them take ambetter insurance ! customer service doesn't help.
BUYER BEWARE!!!! I pay my premiums on time. Every month. But when one of my healthcare providers submitted her claim nothing happened. She is one of their providers. So I called several times. She called several times. We both verified that she was using the correct form, the correct numbers, the correct address to send the claim in. So she resubmitted the claim. After 6 months, still no payment. When I've called I keep getting excuses, usually they try to tell me that the problem must be with the postal service. I"m REALLY tired of their runaround. Today this provider told me she can't continue to see me because she's not getting paid. She said she won't even take people with Ambetter insurance anymore because they don't pay their claims. I filed a complaint with my state insurance commission. These people are horrible- I manage to pay my premium on time every month so I'm holding up my part of the bargain but they're not hold up theirs. They need to stop making excuses and FIX THIS!!!! I'm done being nice about it. I'm going to write negative reviews on every healthcare bulletin board I can find because people need to be warned about Ambetter Insurance- BUYER BEWARE!!!!!
Ambetter commits fraud regularly. First, they decided that $8,900 is less money than our $3,000 deductible so we owe everything. They don't comply with federal regulations to provide breast pumps to mothers. They then reprocess your claims to put some money toward co-insurance instead of the deductible so you owe more money and they owe nothing. This isn't how insurance works. They work the Better Business Bureau automated system, saying they're looking into it and then because you don't respond BBB closes the complain. They claimed because my deductible changed after my son was born that his deductible wasn't met. This doesn't even make sense. Ambetter scams health care providers, too, so it's difficult to find one that even accepts Ambetter.
Ambetter is Medicaid. If you have Medicaid you are concidered poor/ low class. Many low income clinics will say “accepting new patients but not taking Medicaid/Medicare payment”. Health insurance is a great USA scam. Ambetter is a peepoor excuse but a good revenue for Big Pharma. It costs a clinics door $3000 an hour to stay open and Medicare makes us probono patients. No one wants us and Ambetter is just another Medicaid symbol we wear on our arms so medical staff can judge and deny us. Remember: Medicaid/Medicare is to label who is worth saving and who is worth dying.
Here in NV, this company is very inefficient. Materials are never sent timely, the website does not function properly, the medical network is very weak, the provider search feature is innacurate, the EOB are not posted timely, the communication portal is not followed up upon timely or with solutions, the advice from the help center is inaccurate and the prior approval process is lethargic at best. Other than those things, they don't seem to care too much to fix any of it - and oh boy don't point it out to them. And we get the priviledge of paying ~$1,400 a month. Lucky us.
The worsest health plan that I ever had. Do not be accepted in any providers, pharmacies nor clinic or hospital. Irresponsible at 100% you call for help to find a provider and they always say the same thing "we'll call you back during the next 5 days" and never call back. They are #1 to bill you but not to pay for the health needs. Im was recently pregnant and I had been waiting for them to indicate what they are going to do to provide me an OBG cause theres not providers in the entire area of Dallas and nears city that accepted this insurance and nobody took responsible for that. Every time I called they said the same "we are going to evaluate your case and see to assign you a provider out of the network for your prenatal care" never they did it. So not choose this insurance for you or your family. Im not recommended to anyone.
Ambetter by SilverSummit is by far the worst insurance We could have ever possibly chosen for my husband and myself. First of all, even after paying a deductable in full, I am still getting sent bills in the mail that I have to spend hours on the phone disputing, only to get dismissed and pawned off to unqualified people. They don’t have accurate book keeping at all. All their numbers were off. When I filed a claim with them to fix this, they only put one charge on thit claim and not all the charges that they promised would be dealt with. So I’ve had to call again, only to get on the phone with a slow representative that sounded unconfident in what they were doing. Also, even after you are done paying the deductable, you will die before they approve life saving procedures and tests like mri. My husband now has permanent nerve damage down his leg and foot, because our insurance refused to pay for MRI and pain/steroid injection at the time he could have prevented it. They insist that he has to do 2 months physical therapy first. So we took him to see a Physical therapist and they won’t even touch him because they were never able to examine an mri to know how to properly handle him and they could see that he was in a lot of pain. Huge waste of time and money. They will not pay for the healthcare on time. We think it’s because once you get mri, they know they might be having to pay for surgery so they will take forever just to even review your case - over two months of my husband in the worst pain of his life, just to get a denial. Also, top to bottom, they only pay for what they want to pay for. I was prescribed a medication that they would not let me fill unless I tried a cheaper one for 2 months first which was ineffective. They will try to avoiding paying for the healthcare your doctor thinks you need, and make that decision for you what u can take. We have been going through this so Long that we went broke and now qualify for Medicaid which will actually pay for an MRI. So we now live with regret for ever trusting Ambetter. But are thankful that Uncle Sam can help us out. Ambetter should be shut down they are the worst. You’ve been warned!!!
They stink! They deny any authorizations so I am forced to pay out of pocket for everything and because they deny the charge the money I am forced to pay out of pocket doesn't go towards deductible. I will pay 6 more premiums and I am switching insurance companies!!
Beware this is the worst company, can't talk to anyone but a dumb customer service who doesn't help at all. paid my premiums on time and they said I have never paid a premium my bank has called and faxed over proof still they won't help they suspended my Insurance, I call everyday and get told the same crap. STAY AWAY DON"T WASTE YOUR MONEY AND TIME!!!! THIS IS A NIGHTMARE
I started coverage with Ambetter on 5/1/18. Since then, I have had to call them 3 times. Each time, the representatives I have spoken to have been unable to assist me with questions. I requested a supervisor and had to wait in excess of 15 minutes to speak to them and then they could not assist me either. All they did was refer me to my bank where the payment was made.
My daughter has to have ins and this is the only she can afford and now she is trying to find a allergist in the whole Houston Tx area and there is only ONE. What does that say about this ins co.
The market place first off mistold me the benefits of this plan. And will not change it. Ambetter can’t override them. So always check and confirm with Ambetter before choosing a plan. I am not at all on a plan that is beneficial to my needs. My other half is a pharmacist and we both know a lot of insurance plans. Ambetter is not clear on their plans, their representatives are long winded talking you in circles only to find out that they can’t do anything to help you. Read the fine print. For me doctors visits and specialists aren’t covered to meet my medical eductible. Only lab work and certain general doctors are. When you get a bill for lab work it’s then you find out that that’s the only thing they cover outside of a general physician after you meet a high deductible. READ THE FINE PRINT AND GO OVER IT WITH MARKETPLACE AND AMBETTER BEFORE YOU CHOOSE A PLAN!!!
Benefits are terrific but, the rewards pays card... I had my hip surgery October 2017, I was going to use the card for my electric bill and November, after 8 months I was finally able to activate it. Between October 15th and January 21st I Must Have Spent at least 3 hours on the phone with these people until I finally gave up just this morning I thought hey I'll give it a shot. I finally got my benefits, the people on the phone with ambetter their representatives had no idea how to activate the card put me through multiple people and then finally hang up each and every time although they did ask for a call back number in which they never called back they were very uninformed
Ambetter is health insurance like tying a string around yourself in a car is a seatbelt--it might resemble the real thing, but it's probably more dangerous than nothing. I got Ambetter because I was sick, uninsured, about to travel and terrified. Suffice to say I am lucky that my health held up and I didn't need to use them at all. 1. They have no gastroenterologists covered in CHICAGO--so if you live somewhere less metropolitan good luck! When I called to cancel they were polite and helpful, but you can be nice and still be a scam. My advice if you are uninsured: 1. Go to a free/sliding scale clinic! My clinic gave me 3mo of medicine for 12 dollars that my gastro doctor was trying to charge me $900+ per month! https://howardbrown.org/ 2. Call (don't use online) the Healthcare.gov. My online account was messed up and I fixed months of confusing letters and emails with just one phone call. 1-800-318-2596
I paid one month in advance and they sent money back. My son had been in hospital for a couple of weeks and I wasn't paying attention to bills. Six weeks later, my policy got cancelled as they said I couldn't pay in advance. .Then, I found out my policy doubled because of a mistake. I called the company because I was out of meds. One day they said I owed a certain amount. Then I ended up calling back three times and every time they said I owed a different amount. Today, I can't afford it and will most likely die because I can't afford to get them money.
This company STOLE 616.00 out of my bank account without prior authorization. When I contacted them to get the funds back, I was promised a refund by April 30th. I have a voicemail from their billing dept promising me my refund was processed. Never received it. Have disputed it with my bank now. Stay away from this shoddy company!
This insurance is a scam. Your doctor list will be limited to homeless community services centers. Yeah. No joke. And I live in a big city houston texas. Your doctors option to choose from will be between homeless aids centers to just homeless comunity health centers. 90% of specialists on their network doctors to choose from will tell you on the phone that you will be a cash payer because they are not really in network with this insurance company. All doctors I called said they are booked for the next 4 weeks. You WONT be able to see any doctor before waiting a month for an appointment. The only place I finally got treated after 3-4 days of fighting the system was a cvc clinic LOL Yeah . Sad. I was so mad. I pay $500 a Month for this garbage insurance. $500 !!!!! Do not sign up with them. Its a scam! I canceled my membership a week ago. (May). Had enough. Just unbelievable scam in daylight. They need to be in prison. SCAM!!!!!!!!!!!!!!
I wish I could choose NEGATIVE stars. This is the worst coverage I have EVER HAD! I had traveled to Massachusetts for Valentine's Day. Wound up getting violently ill, A BLEEDING EMERGENCY that I had to call 911 and get an ambulance for....THEN, I get A HUGE BILL from the ambulance company as WELL AS the hospital...TURNS OUT AMBETTER (SCHMUCKS) DOESNT COVER OUT OF STATE EMERGENCIES AT ALL AND NEVER PAYS FOR AMBULANCE NEEDS EVEN IN THE STATE OF OHIO! WTF! I GUESS IT WOULD HAVE BEEN CHEAPER TO JUST DIE FROM MY INJURIES!
From Miami FL Dade County I have never had a problem. When I call customer service they are always willing to help me in anyway. All my claims are paid. We have plenty of Dr’s and specialist to go to. My primary Dr is a private office not a clinic. I could also go to University of Miami which they have great doctors. I recommend my Ins with no problem in anyway.
I was enrolled in auto pay. But they told me I wasn’t and did not even inform me before cancelling my service when I was willing to pay. When I complained about it the customer service representative got rude. Now, I cannot reenroll the clinics of this health plan sucks everything sucks about this health plan. The clinics look like a typical third worls countries clinic. I only chose this plan because it was cheaper. Had I known earlier about the poor state and shape of this sorry health plan I would have invested in a better plan even if it costed more.
Can I give less than zero??? My experience tells you to run, not walk, run from Amworse from Inferiorhealth. There are few doctors that take them (for a reason), and I'm in a metro area of about 300,000. The nearest Ophthalmologist is 45 minutes away, and the nearest Neurologist is over a hundred miles away. It takes FOREVER to get approval for procedures. In fact we had to complain to the state of Texas to get them to do the right thing causing my wife to be off work for 2 months when it should have been maybe a week. We have now had 4 instances where we had a service date in 2017, but because they did not do the billing until 2018, they tried to make us pay deductibles that had already been met for 2017. The problem I'm working on now is my CPAP machine. It paid out in December of 2017, under the 2017 deductible. They have it charged in Jan of 2018 and want me to pay over $500.00 for a deductible for this year. Can you say fraud??? They more than doubled my rates from 2017 to 2018, and raised my deductible by more than 3 times. Because of this I can no longer afford to pay for my insulin, and my Xarelto. I was in the hospiltal for my AFIB and between my Cardiologist and my Primary Care doctor they are giving meds to try to keep m alive. And by the way, last time I heard Ambetter is the most profitable medical insurance company. Not hard to figure. If you can afford a reputable company, do so....
Zero stars . Paying for incsurance that no one accepts . Can't get a straight answer about what my coverage actually covers . Worst insurance ever.
Impossible to actually order glasses. Cannot order anything online, and when I was told I could order at Walmart, I spent an hour and a half on the phone trying to get guidance on how they could actually implement the $130 off. My insurance expired before I could ever use benefits. 10/10 would never ever use this company. I'd imagine if you had a serious health issue, you'd die prior to receiving any sort of decision on whether they would cover.