Ambetter Health Insurance Review: Rates, Coverage, and Service

Health insurance is on peoples' minds for a good reason. Costs associated with medical treatment are one of the leading causes of bankruptcy in the United States today. Clearly, choosing the right health insurance policy is a key component of any financial plan. To find the right plan, reading Ambetter Health Insurance reviews is a good idea.

Finding the right plan requires some research, but when the insurance coverage is needed, you'll be glad you weighed your options carefully. Ambetter Health Insurance reviews indicate that this company in general provides affordable, quality health insurance even to high-risk policyholders.
 
If you live in one of the 15 states that Ambetter covers, getting a quote from Ambetter is a good idea. To gain a comparison or if you live in a state Ambetter doesn't cover, eHealthInsurance and GoHealth provide robust options with easy-to-use comparison tools. Small employers may want to consider a quote from United Healthcare.

What Do Ambetter Health Insurance Reviews Show?

Ambetter Health Insurance reviews show that Centene Corporation, a multi-national health insurance company, owns Ambetter and runs it as a health insurance exchange. Similar to healthcare.gov, the Ambetter exchange offers shoppers multiple health insurance options. Customers can choose between plans based on their needs, budget and geographic location. 

 
Ambetter's mission is to provide affordable healthcare coverage to people who struggle to qualify for or afford health insurance from mainstream providers.
 

The Ambetter exchange is available in 15 states:

  • Arkansas
  • Arizona
  • Georgia
  • Florida
  • Illinois
  • Indiana
  • Kansas
  • Massachusetts
  • Mississippi
  • Missouri
  • New Hampshire
  • Nevada
  • Ohio
  • Texas
  • Washington

The Ambetter Mission

According to Ambetter Health Insurance reviews and the Ambetter website, the company believes that healthcare coverage is a key component of a quality life. It recognizes that affording healthcare has become a struggle for millions of Americans. 

For this reason, Ambetter created budget-friendly solutions. Part of Ambetter's business model is providing preventative medicine options. By reducing the number of insured people with health problems, the company is able to keep its rates down.

Product Specs

Ambetter promotes preventative medicine through community activism and providing healthcare programs, educational tools and professional support. The plans available on the Ambetter exchange include the following programs:

Comprehensive Health Coverage

24/7 Nurse Advice Line

Healthcare Rewards

Prescription Medication Coverage

Care Management

Health Management

Smart Start for Baby

Ambetter Telehealth

Pricing

Ambetter Health Insurance reviews show that the company provides low-cost insurance plans for individuals on a budget. Costs vary by region, age and other factors, but compared to other insurance companies, Ambetter offers low premiums.

How It Compares

We picked a few similar products available on the market to see how they compare.

  • United Healthcare
  • eHeatlthInsurance
  • GoHealth
  • Price
  • Coverage and Coverage Options
  • Coverage Rate
  • Out-of-Pocket Expenses
  • Customer Support

Ambetter provides ample coverage options with its Ambetter Essential Care, Ambetter Balanced Care, and Ambetter Secure Care, which provide different balances between premiums and out-of-pocket costs. Plans are only available in 15 states and coverage may not be as strong in certain areas. There are also limits to prescription drug coverage.

Pros

  • Low premiums
  • Robust service options
  • Diverse coverage options

Cons

  • Only available in 15 states
  • Limits on prescription drug coverage
  • Strict pre-authorization requirements

United Healthcare is the largest health insurer in the United States. The company offers healthcare coverage to employers ranging from two employees to giant corporations. It provides many coverage options, ranging from plans with freedom to see any doctor to PPO network plans. As the largest insurer in the U.S., United Healthcare plans come with a robust provider network.

  • Price
  • Coverage and Coverage Options
  • Coverage Rate
  • Out-of-Pocket Expenses
  • Customer Support

Ambetter provides ample coverage options with its Ambetter Essential Care, Ambetter Balanced Care, and Ambetter Secure Care, which provide different balances between premiums and out-of-pocket costs. Plans are only available in 15 states and coverage may not be as strong in certain areas. There are also limits to prescription drug coverage.

Pros

  • Giant network
  • Optional plan that allows you to see any doctor
  • Discount programs

Cons

  • Higher premiums
  • Unrestricted plans cost more out of pocket
  • Offers group plans only

eHealthInsurance is a platform where individuals can compare plans from many insurance companies, such as Blue Cross Blue Shield and Humana. For self-employed people,eHealthInsurance offers many affordable options. It also provides plans with no pre-existing conditions exclusions and or high-risk pool options.

  • Price
  • Coverage and Coverage Options
  • Coverage Rate
  • Out-of-Pocket Expenses
  • Customer Support

Ambetter provides ample coverage options with its Ambetter Essential Care, Ambetter Balanced Care, and Ambetter Secure Care, which provide different balances between premiums and out-of-pocket costs. Plans are only available in 15 states and coverage may not be as strong in certain areas. There are also limits to prescription drug coverage.

Pros

  • Provides a large array of choices
  • Plenty of networks to choose from
  • Customer support with unbiased advice

Cons

  • A health insurance broker versus insurance company
  • Cannot guarantee applications for insurance are accepted

GoHealth operates on a business model that is very similar to eHealthInsurance. It's free to join, and members can start shopping right away. They simply enter their state, then the insured peoples' ages, genders and smoking habits. A display provides near-instant rates and deductibles.

GoHealth also offers specialized customer service. The company employs over 10,000 licensed insurance agents who excel at interviewing customers about their insurance needs and helping them make the right selection.

  • Price
  • Coverage and Coverage Options
  • Coverage Rate
  • Out-of-Pocket Expenses
  • Customer Support

Ambetter provides ample coverage options with its Ambetter Essential Care, Ambetter Balanced Care, and Ambetter Secure Care, which provide different balances between premiums and out-of-pocket costs. Plans are only available in 15 states and coverage may not be as strong in certain areas. There are also limits to prescription drug coverage.

Pros

  • Customer support from licensed insurance agents
  • Giant selection of insurance companies
  • Most policy types available

Cons

  • Does not service policies
  • Selections limited by insurance company contracts

Conclusion

Doctor is discussing the health insurance program to her patient using a laptop

Ambetter's health insurance reviews show that its mission is to provide affordable health insurance options for all people, including those with preexisting conditions and self-employed people. As a direct insurer, Ambetter both sells and services its insurance policies.

This means it is able to control the prices and policy limits, which allows it to create solutions that make insurance effective and affordable. The robust services provided includes many preventative medicine programs that decrease illness, allowing the company to keep rates lower.

Unfortunately, Ambetter is available in only 15 states. Before signing up with Ambetter, it's important to make sure that their network has strong coverage in your local area. Ambetter is a great option for individuals who struggle to qualify for and afford health insurance.

Ambetter health insurance reviews show Ambetter provides a great alternative for those who live in the 15 states it covers and struggle to afford and qualify for health insurance in the individual market.

Featured Image via Ambetter Health

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