Ambetter insurance, offered by Centene Corporation, provides affordable health coverage tailored to individuals and families. With a focus on accessibility and quality care, the company offers a range of health plans designed to meet diverse healthcare needs. Through its network of providers, Ambetter ensures access to essential medical services, including doctor visits, prescription medications, and preventive care.
With user-friendly tools and resources, the insurer empowers members to manage their healthcare journey efficiently. Whether you’re seeking coverage for routine check-ups or unexpected medical needs, Ambetter strives to deliver reliable insurance solutions that prioritize your health and well-being. It offers one of the most affordable health plans for Bronze, Silver, and Gold.
Although this insurer sells affordable health insurance, you should discuss it with your doctor before purchasing the plan. So that you can know if they accept the coverage or not. Also, keep in mind that Ambetter not only sells health insurance; it also sells vision and dental vision coverage.
Types of Plans Offered by Ambetter
This insurer offers three types of insurance plans on the health insurance market. Check out their explanations below:
HMO:
In an HMO (Health Maintenance Organization) plan, you usually have to stick to doctors and hospitals within the network. You’ll need a referral from your primary care doctor to see a specialist. HMOs often have cheaper rates compared to other types of health insurance.
EPO:
An exclusive provider organization (EPO) plan requires you to use the plan’s network for coverage. But you can see a specialist without a referral. Costs are similar to HMOs and usually less than PPOs.
PPO:
With a Preferred Provider Organization (PPO) health plan, you can visit doctors outside your network without needing a referral from your primary doctor. However, getting care outside the network is often more expensive than in-network care. PPO premiums are typically higher compared to other insurance plans.
With a focus on promoting overall well-being and providing financial incentives for healthy living. The insurer offers more than just standard health insurance coverage. Additionally, the company offers a discount program that provides savings on gym memberships, meal delivery services, and mental health programs. This further enhances the value of their insurance plans.
Ambetter Health Insurance Plan Cost
On average, a 30-year-old pays about $408 per month for an Ambetter insurance plan through the ACA marketplace. For a 40-year-old, the average cost goes up to $460, and for a 50-year-old, it’s around $642 monthly. The price varies based on factors like the plan type, metal tier, your age, the number of people covered, and your location.
The cost of a Silver health insurance plan from Ambetter varies by state. For instance, in New Hampshire, it’s around $368 per month for a 40-year-old, while in New York, it can be as high as $644 monthly. This data is based on information from the Centers for Medicare & Medicaid Services (CMS) public use files (PUFs) for 2024.
ValuePenguin analyzed average rates, deductibles, and other details for this company and other insurers using this data. We also considered information from sources like Centene, the National Association of Insurance Commissioners (NAIC), and various Ambetter subsidiaries across states.
Where can I Purchase Ambetter Insurance Plans?
The insurer sells its health insurance plans in 29 states in the United States. Centene offers Ambetter Health Marketplace plans in the following markets: If your state does not offer the policies, you will need to check out other health insurance companies.
- Alabama
- Arizona
- Arkansas
- California
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Mississippi
- Missouri
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Washington
Just so you know, sometimes this insurer partners with other companies. For example, in California, it sells plans with a company called Net. While in New Jersey, it partners with WellCare.
You can purchase these insurance plans from your health insurance marketplace, or healthCare.gov, if your state uses its website. Also, you can purchase a plan from Ambetter’s website. But you won’t be qualified for rate discounts, known as subsidies if you purchase the plan from Ambetter directly.
Why Choose Ambetter Insurance?
Ambetter’s My Health Pays program rewards you for making healthy choices like exercising and eating well. As you complete these activities, you earn rewards that are added to your My Health Pays card. You can use these rewards to cover various health-related expenses, including monthly plan payments, doctor copays, and deductibles.
Additionally, Ambetter offers a discount program where you can save on gym memberships, meal delivery services, and mental health programs. Many of the insurance plans also come with extra perks like a 24/7 nurse line and care management to help coordinate your medical care. If you’re expecting, the Start Smart for Your Baby program offers support to keep you and your baby healthy during and after pregnancy.
Ambetter Complaints
The insurer receives fewer complaints from state insurance departments compared to most other health insurance companies. With an overall complaint ratio of 0.32, it fares better than the industry average of 1.00, indicating higher satisfaction among customers.
Is Ambetter a Good Choice?
Yes, this insurer is an amazing insurance company. It has very nice coverage and offers cheap rates. However, just like I mentioned above, you will need to contact your doctor before purchasing the plan. And ensure that they accept this coverage. Choosing Ambetter for your health insurance needs could be a smart move.
With lower complaint rates compared to many other insurance companies, Ambetter seems to prioritize customer satisfaction. Plus, its My Health Pays program offers rewards for healthy living choices, providing additional benefits beyond basic coverage. If you’re looking for a reliable insurance provider with extra perks and good customer feedback, Ambetter could be a solid choice for you and your family.