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.
Want to hold Ambetter accountable for the information posted on their website. The implied contract between the company and member is not being honored. When choosing a 2018 insurance provider, I spent time making sure my doctors and preferred hospitals were part of the network. In late January My primary care provider dropped Ambetter in 2018 but members were not informed this was happening prior to signing up for the year. Ambetter had amble notice (+3 months) from the doctor and time to remove her from their list. In trying to find another PCP, I've called numerous other providers listed on the website. The first five (near my residence) also no longer accept Ambetter. It's been 4 months and the list is still inaccurate. Ambetter wants me to accept a random doctor they assign and that doctor is doing a residency. The one experienced doctor I did find is about 40 minutes from my home and was not happy to accept new patients. I searched for a doctor in late January and again in March. Today (April 20) I was told the website is updated but I looked and the provider list still includes doctors who are not accepting their plans. I spoke with their customer services and the lists they’re working from are wrong - Also listing many doctors no longer practicing or no longer accepting Ambetter. After 4 months this goes beyond administrative error, Ambetter is lying to their members. They’ve been lying from the start and they should allow members who’ve been deceived to see the doctors they expected to see when they signed up and ‘eat’ the cost. Also have spent a month trying to get a prior authorization on a med I've been taking for more than 5 years. Neither Ambetter customer service nor my DR's office will accept responsibility in seeing this is completed. Each blaming the other for lack of follow through, Stuck in the middle and can't make either side do their freaking jobs!!!!
I wish I could give zero stars. They are complete liars. They list doctors on their website, which consumers use to select carriers, who are not in their network. Once you have selected Ambetter, you find out the truth and you are stuck with sub par doctors. I am stuck with them until open enrollment even though they used a bait and switch to get me as a customers. They are liars and not reputable.
They are hopelessly messed up. They continally deny my claims as out of network when I find the providers on their network website! I keep getting the same bills over and over from a Dr I went to and when I call Ambetter to ask why they are not being paid they say they never got the bill. So I call the Dr office and they say they have submitted and resubmitted bills over and over. It's like they don't want to pay the bills. I cannot believe they call this health CARE because it is NOT.
They should call themselves Amworse because if you need any specialty medication, you’re pretty much SOL. I’ve been on a medication for nearly a decade and have appealed their rejection of it without success. An ok health insurance company if you don’t actually need anything to benefit your health.
I have no problems with this insurance. I went to the ER in 2017 and they took take of my bill .I only had to pay a few dollar out of pocket. The only draw back is that my PCP is not in there network .
DO NOT USE IF YOU MAKE A PAYMENT WIHT YOUR CREDIT CARD THEY WILL SAVE IT ON FILE AT CHARGE YOUR 5 TIME THE AMOUNT THE NEXT TIME AND NOT EVEN TELL YOU AND REFUSE TO GIVE YOU UR MONEY BACK!
We just started using ambetter this year and have been very happy with our healthcare coverage. The only negative is that not as many providers take it in our area so it has taken us awhile to find new healthcare providers that we trust.
I wish i could them a 0 star. Terrible customer service. The employees dont know anything. Just terrible.
This is second year with ambetter. This year 2018, I am paying $697.68 for me and my daughter monthly. I went allergy doctor and they denied everything. Not only this case, they pretty much denied every claim last year as well. If I pay this much for no coverage, I think I can shop better health care.
I have Ambetter insurance and pay dearly every month for my insurance, plus the deductible and co-pays. They deny all my claims and will not provide any information on why they deny them. Their customer service is crappy and know nothing more than what I can see on-line. Which after the new webpage was launched is nothing.
HORRIBLE!! Incompetent and RUDE Customer Service!! Nothing but problems since day one!! Will be filing a formal complaint. Denying, not processing and not applying monies properly to accounts!!
Just signed up for Ambetter and when I pick a primary care doctor from there list. I make an appointment and when I get to the doctors they tell me Ambetter will not pay their bills so they are not accepting the insurance. It is scam company with no Customer service support
Is the worst Health insurance. They let me die and do not approve of my oncological tests and radiation.Last year they walked through countless hospitals and did my adenocarcinoma surgery in my country.Now I have to do 3-4 brachycardy radiation sessions and I do not approve anything, the hospital is in their network and the type of insurance is agreed by the hospital.I pay them nearly $ 400 a month, the state pays another $ 1200 for me, and they do not approve of my radiation to stop cancer.The women who answer the phones send you to the hospitals without knowing where, they have no idea what to recommend and scream at me that I have to take the hospital in the network. I took hospital in the network and refused to pay for radiation and tests.I'm going to sue them and ask them for $ 10 billion in damages, because let me did.
Absolutely horrible selection of providers. I live in Indianapolis, which is the 12th largest city in the country. There are a total of two Physical Therapists in the city as options, and one of them answered the phone in a barely understandable accent with a "hello". I should have know better than to purchase my policy from Ambetter, aka "Crazy Bob's house of tacos and health insurance". As mentioned in other reviews, there are many providers listed on their site that don't accept Ambetter. I made my selection this year based on the fact that the providers I've had for years were listed. Now I either have to pay out of pocket to see them or change to new specialists, which as everyone knows is a nightmare and takes months sometimes. Had the GOP not gutted what they could of the ACA and made threats to stop subsidies that caused 2 of the 4 Indiana companies to drop out of the exchange this year, I wouldn't have to deal with this crap.
DANGER. Stay away. This company is basically a SCAM. They are taking advantage of the fact that health insurance is mandatory. So inefficient, nobody knows what they're doing. You will get different answers every time. Basically you will have to do their jobs and call the Dr office, Labs or any other provider. Finally they will deny procedures because they know more than your Doctor. Nobody wants to work with them so good luck finding a PCP. Not even the ER doctor wanted to take it so they made me wait until they found someone who will. You are basically on your own. They will wash their hands and give you an absurd excuse. They are criminals. They prey on the sick and desperate. They will take your money and the government's money and will deny coverage of procedures without a valid explanation.
Good service and easy premium pay online or over phone ,with them i am pay for medication but i don't know for future
Awful, this is embarrassing. The first five PCP options listed in my zip code are from a health center that moved TWO YEARS ago. When I called to get assistance from a representative, she was looking at the same screen that I was and offered no help what-so-ever, other than blindly selecting names from the list, which I am going to need to call myself in order to verify that they still exist. She asked no questions about my preference or about my healthcare needs nor did she offer any useful information on the PCP's themselves. The whole thing is a sham and this company deserves to go out of business.
I'm the medical proxy for a friend who had a stroke on 1/8/2018 and his Ambetter policy has performed beyond my expectations. I'm not sure why it's totally subsidized but he pays $0 for an exchange bronze plan (HMO) with a $6800 deductible. Any HMO is going to have fewer providers and more restrictions, but the main problem seems to be that it's new in the market and the provider list changes constantly. Having met his deductible on day one of his hospitalization, the plan is paying for home therapy, nurse visits, and has a decent drug plan. I don't have any problems with the website which is every bit as informative as my own BCBS plan. No major complaints from us.
Like so many others, if I could give zero stars or even a negative star, I would do. Ambetter is a horrible company. My children, due to divorce, have to receive their insurance through the Marketplace and Ambetter was the only choice I had when choosing a plan. Since January, I have attempted online and through telephone calls to assign a PCP to my children. In November, 2017, when I had to sign up for insurance, the pediatrician they had been seeing was listed as a provider. Through February, she was listed. Today, however, when I went on line to pay (the only part of Ambetter's website that consistently works), I discovered that my youngest had been assigned to a doctor whose main office is almost two hours away (I live in Athens, Georgia and the office is in Austell, Georgia). The doctor does, however, also work at the local health department. When I go to the website of the health department, it clearly states that it's mission is to serve children living in poverty--that is is for the uninsured and the underinsured. Am I to understand that I am paying over $231 a month for my youngest child to be assigned a doctor that he can actually go to FOR FREE? Is Ambetter, by assigning him to this doctor, admitting that is is a subpar insurance company? It would actually be comical except that if my children become ill, we are in serious trouble. If an insurance company can't handle easy tasks like letting members choose their own PCPs, I fear to think what will happen if we actually ever need any type of medical care.
I WOULD GIVE 0 IF I COULD. Will not go into details but avoid at all costs! Specifically any "policy" that SAYS it covers dental! This is the worst insurance company I have ever dealt with!
If I could give AmBetter negative stars I would... What a terrible decision I made signing up for health insurance through them. I also partly blame the sales consultant who sold me on the this insurance. I have an infection/abscess that is imperative that I get it worked on immediately. Even though my deductible is an astronomical ($7500) and they won't actually be paying for anything, they have to authorize the surgery and have made me cancel the surgery I was supposed to get today and wait for them to authorize it which may never happen. Also, during this whole process I had to middle man everything between them and my Dr's office. Being put on hold for hours at a time. I'm really confused as to how that's my job... I thought that's what I paid this company $350/month for. On top of it all finding a Dr who takes this insurance was almost impossible and from the looks of it seems like I was extremely lucky I actually did. What ever you do STAY AWAY FROM AMBETTER.. I will be looking into legal action against the company for forcing me to postpone this urgent surgery. (by the way I am a very active and healthy 28 year old male who never has health issues. This is the first time I have had to see a specialist/needed surgery and have been paying my premium for over 15 months)
I wish I could rate this 0 stars. This company is literally useless. I am kicking myself for not looking into customer reviews while choosing a plan. All the details in the marketplace looked great. Reasonable, affordable, nice coverage. It's only now, as I attempt to make my first in-network appointment, that I realize this network is basically non-existent. Don't let their website fool you. They have this great, handy page where you can look up lists of "in-network" physicians. There is a 90% chance the person listed doesn't accept Ambetter at all. Maybe never did. It's just a straight up lie. Run. Run away as fast as you can.
Stay away from this company. Very unorganized, unprofessional, and immoral.
I do not have Ambetter insurance. In fact, I have no insurance at all. I was looking at my options, and from everything I've read, it sounds like everyone should run as fast as they can in the opposite direction from this insurance company. Never before have I ever seen any company with nothing but negative reviews. I never did see a positive review. Isn't there an agency with the government who oversees this sort of thing? If so, then they all need to be fired for not doing their job. I feel bad for everyone who bought insurance with this company. It is a shame and a disgrace that you now find yourselves at war with them - just to provide the service that you paid for and expected in the first place. Please remember that YOU paid them for a service, which technically means that they work for YOU - not the other way around. Stand your ground, and never give up. You hired them, and you can fire them. Ambetter is by no means the only insurance company in existence. Sometimes companies have to be reminded of this fact. I am really sorry that you are having to go through this nonsense. I wish you all the best. ?
Poor selection of providers, many of whom are subpar. Not a user friendly site and can almost never get the info on there I need. Hard to find contact info online. It's cheap-but you get what you pay for!
Terrible! Excessively expensive. Most doctors do not accept this insurance. I had to obtain all new doctors except my primary care who got added to their program. They DENY everything! The refuse the information provided on the pre-authorization. It's a scam. They require you to "try 3 other medications", even though you have provided proof from your previous doctors (not in the AmBetter network). This is so they can charge you MORE . You have to pay for those medications, that don't work and could potentially cause you harm because they do not work. Their customer service SOP is to repeat their mantra. Please explain what I am paying for? I cant go to my doctors, the cost is outrageous and they deny medication so that you get sick and they can charge you for unnecessary medications. My doctors HATE this insurance. Unfortunately, there is no choice in this state due to our republican led congress, senate and so called president.
I had to give it one star only because there is not a negative selection. I chose this insurance through the healthcare marketplace because it seemed to have a lot of providers. I have contacted over 25 of the physicians on the list, only to find they do not accept this insurance. In my opinion this is fraud, since they misrepresented information. I am 49, have had a heart attack, am diabetic, and have other issues. I am simply trying to find a primary doctor for a simple checkup and refill basic prescriptions. I contacted a nurse from this group and was basically told that to get my blood pressure medication I should check into a hospital and complain of chest pains. I would highly recommend that everyone avoid this healthcare provider at all costs. The customer service reps are courteous but they are limited on their assistance.
No one in area accepts it, where is the government regulations? The government requires insurance, then let's these companies exist.
If I could give 0 stars, I would. Ambetter is THE WORST health insurance I’ve ever experienced! I’ve been on the same medication for years and suddenly when I have to switch my health insurance, now they won’t cover my medicine. Instead they want me to try the cheapest option out there that has already caused me severe gastrointestinal problems to probe that a higher dose of that won’t work before they’ll let me use my standard medicine. Meanwhile my blood sugar is now out of control because I can’t get the meds I need. So I’m essentially paying hundreds of dollars a month to a company to feel like I’m in a 3rd world country:
This is by far the worst insurance company I have ever done business with. From not covering knee injections (that were never a problem with my previous insurer) to basically denying virtually every claim you make and forcing your Doctor to jump through hoops to get coverage - they are the worst. I think they have a standard business practice of denying claims. Now...they apparently have a new plan to screw consumers regarding specialty drugs that have loyalty programs to help cover your deductible. According to my specialty pharmacy...Ambetter is fighting allowing the loyalty cards as covering your deductible. They are a horrible company.
Absolutely awful customer service designed to irritate the client into not attempting to contact them. Deplorable service.
It is a debacle!! You cannot speak to anyone in authority. There is NO TRANSPARENCY! They say your provider is in network but when you go to your provider they are not...that is called “Bait & Switch”. It is THE WORST INSURANCE PROVIDER. DO NOT give this outfit one dime.
Good luck getting medication if you happen to be allergic to the "standard" treatment. For six days customer service repeatedly lied to me (and the pharmacy) about never having received prior authorization from the doctor for my prescription. The customer service representatives' job was clearly to make me shut up and go away without doing anything to resolve the issue. When the doctor called to find out why they had not acted on her prior authorization they finally admitted to having received it but denied the claim anyway (with different people citing different, contradictory reasons for doing so). If you can afford any other health insurance go with that rather than Ambetter!
Horrible insurance. My husband has narrowing if the aortic heart valve. He is supposed to have a yearly echocardiogram but Ambetter refuses to cover it. Ambetter is the only health insurance we can afford, so my husband hasn’t had an echo or seen a cardiologist in years. His primary doctor said he needs to be on a specific heart medication but Ambetter refuses to cover it. The doctors office called Ambetter and explained the situation and told them that it’s legit, he really does need it. But Ambetter refused. He never got the med. I hate this company but it’s the only one on the ACA exchange in my area in Georgia. I have no choice.
I was pleased with Ambetter and appreciated my experience with them.I think they are one of the better choices.Thanks Ambetter moving to Medicare.Wish there was as good of choices as your company unfortunately All well didn't meet my needs
Please note everyone who has written a review here. Klafter Olsen & Lesser has a class action suit against Ambetter's parent company covering all the complaints we have all experienced. Please call and inquire about signing on to the suit. Ambetter customer service does not exist. They channel you through multiple depts where no one has the authority or the desire to help you with your issues. They lie about timelines when prior authorizations were submitted and deny claims for no logical reason. They do not have adequate providers for skilled nursing, It has been 45 days since they received my Rx for my infusion and I still do not have nursing to administer the drug. I have spent over 30 hours with Ambetter and their two specialty pharmacies with no resolution. The company is not trustworthy and customer service is not qualified to handle any logistical problems.
If I could have given Ambetter zero stars I would have! I was forced into using this company because it was the only option I had for insurance on the open market in Georgia. My first experience was needing an Gynecologist so I went on their web site and it listed 9 in and around the area I live. I called everyone of the ones listed and NONE of them accepted Ambetter!!! Some even wondered why they were on the list, as they had never agreed to accept Ambetter Insurance. So basically this company lies and is deceitful. Shame on you!!!! They charge basically the same thing I was paying last year to BC/BS but their services and provider options are way below par. I'm so angry and frustrated. If you can avoid using this company do so....find something else if at all possible.
Horrible does not cover anything hardly! Never using this insurance again.
"POS", and that doesn't mean point of sale either. I will let you figure that out. Worst company I've ever dealt with. I was automatically signed up in December of 2017 for the 2018 calendar year (previously was covered by Blue Cross Blue Shield). Also received a notice from Am better stating I was covered as of January 1st 2018. Went to the ER and personal physician and gave them my insurance information. All was good until my doctor's office called and said the insurance company denied my claims. I called Ambetter and was told they hadn't received a payment from me. I immediately told them I hadn't received an invoice or payment request and agreed to pay immediately for January and February 2018. They accepted my payment and told me I was still covered from January 1st 2018. I specifically asked if my policy would cover my doctor and ER visits from January and February and was informed by an Am Better Rep I was covered and to ask the Hospital and Doctor's office to refile the claim. THE CLAIMS WERE DENIED AGAIN. I called Ambetter, just to find out they cancelled my policy and transferred me to The Market Place so I could resolve this matter which was Ambetter's responsibility. Have now called several time and Ambetter keeps claiming policy is cancelled, however was initially told payments were made and I was also covered from January 1st, 2018. Made payments, haven't received any information other than it's being revised via The Market Place. Sounds like a used car dealer that takes your money and screws you by giving you a piece of crap. Wow, Ambetter the used insurance dealer!!!! P.S Have almost $13k or more in healthcare bills that have to be paid. My luck never have to go to the doctor but when I do my insurance wouldn't cover me. In the Market Place's defense, they are working to try and make Ambetter pay. Hoping it works.
This is the worst I've ever been ripped off. When I tried to cancel this worthless insurance, they kept disconnecting me, failed to respond to email inquiries and said I owed for two more weeks after I finally got through. These shysters must be giving bribes to half the politicians in the country to stay in business.
Do not use this company. They will put profit above your health every time. I need a once a week infusion for a complicated genetic disease. I sent the info to Ambetter a week before my policy began. 30 days later I still don't have the drug. They also denied the nursing service to infuse the drug. I filed a complaint with Fl Insurance commissioner. Stay away. This company will kill you.
IT IS TRULY BEYOND BELIEF HOW BAD THIS HEALTH INSURANCE IS. First off, they do not update their provider directory on their website (which they're so proud of!), and as a result, I spend at least half an hour whenever I call a doctor to make an appointment, just to be told that they are not working with this insurance any longer! This has happened to me 3 times. Last time I called a phone number that the lady at the member services gave me for an ear doctor, only to hear on the other line:'Sorry, it is a facility with eye doctors here.' Great! And since I have chosen my PCP over the phone with them, they have failed 4 times so far to put the specific doctor on their system (instead they have a name of a doctor I never chose!), so now that I have an appointment with my PCP tomorrow, I will not be able to see her, because they have put the wrong name of a doctor on their system! STAY AWAY FROM THIS HEALTH INSURANCE IF YOU CAN!
They are horrible! Their list is a lie. Every place they said takes them does NOT. They are liers and their customer service is a joke.
WORST INSURANCE COMPANY IN THE USA. Ambetter continues to deny their lies. Don't use this company you will be very sorry. I have not found one person who is satisfied with Ambetter. Most all have the same response "Ambetter lied to me about benefits" All they want to discuss is payment methods. Even the supervisors lie over and over. They refuse to release transcripts of your phone calls because they are full of lies. WORST INSURANCE COMPANY IN THE USA.
HORRIBLE THIS MARKETPLACE OBAMACARE IS TERRIBLE!! they told me to get the plan I wanted in indiana to keep my deductible at 3500 I had to go up to paying 225/ month so I did because I was pregnant. Then after I had complications and I was in the hospital for a week and my baby in the NICU they told me I did not have a 3500 deductible that they SPECIFICALLY WENT OVER AND TOLD ME TO GET THIS PLAN FOR THE $3500 DEDUCTIBLE. They told me i had a $5500 deductible instead!!! How can these ppl get away with this it's robbery
I don't know where to begin and I'm not going to spend more time here other than to list mwhat I've learned from 3 years with this "health plan" and too many hours ospeaking with "customer support: (1) they are trying to rebuild their computer system and it's a mess. They have 3 different member IDs as they migrate to the new system yet the system does not always "know" about the legacy IDs -- worse yet, some cust support people are unaware. The result is you will often have no way to actualy discuss your account with them. (2) Their online website is a total mess. Links are broken, data is incorrect, provider listings are out of date. They even changed their domain without telling members - or even providing a forwarding link. omfg. (3) The billing system is FUBAR. I received a bill for hundreds of thousands of dollars (montly premium!) and -- they will have difficulty just figuring you latest balance. They've actually sent me cancellation notices due to the fact that theyir system simply has no idea what your balance is -- or: has it mixed up with previos policies that you may have had with them. (4) the "provider directory" is insanely out of date. They claim it's updated but I've called so many of these doctors only to be told that they've left the plan months ago. When this is pointed out they will blame the doctos for not updating their own profiles in the sysrem. It's a joke.
When I first got Ambetter, it seemed alright. I got my pair of glasses through Ambetter, and went to the clinic once with no hassle. Suddenly, Ambetter is no longer used at the same places I went for my glassess. I asked around, and basically nobody uses it! So, I cancelled my insurance since it's useless...but the cancelling part is why I am giving Ambetter a one star review. I called to cancel my insurance numerous times, yet I am still getting letters and emails about making payments. Not to mention, the newer premiums are ridiculous. I'm not paying for insurance that is useless and way too expensive.
Never again Ambetter
Fake list of providers. Many providers are not accepting Ambetter. Needed many hours on the phone to finally get approval to a provider for my colonoscopy . Was told free colonoscopy screening was covered . That anesthesia was free as well. Now I get my bill and told that the anesthesia actually was done by an OUT OF NETWORK provider and was NOT covered . Got a bill for $500 .. PLEASE KNOW you can file a complaint with the Office of your states Insurance Consumer Advocate !!!!! I certainly will- this is just wild what this Ambetter is trying to pull off .
Worst insurance company ever . Says they cover certain things.. when it comes time they deny approval and refuse to contact me back. I have hep c . Witch always destroys your liver . Is highly contageous . But apparently my livers not damaged enough . Theyere going totaly against what every doctor wants to do to treat me.
Total crap. Too bad I can't give it 0 stars.