Ambetter Health Insurance is a provider of health insurance plans that offers content in numerous states in the USA. It offers a range of health insurance plans, including individual and family members, as well as Medicare service plans. In this article, we will discuss the insurance company’s services with pros and cons of Ambetter Health Insurance.
Ambetter Insurance Reviews
Ambetter Health insurance provides decent pricing compared to other competitors of their coverage policy. They also take low-level consumer complaints very seriously, which makes the company acceptable to everyone. Ambetter offers Bronze, Silver and Gold coverage plans for individual customers. It also has add-ons dental and vision plans, and a My Health Pays rewards program.
Ambetter insurance reviews BBB
Although Ambetter has an A+ rating from the BBB (Better Business Bureau), the company has an average customer review rating of 1.5 out of 5.0 stars on the site. But it has many positive reviews from consumers center on the company’s claims process. Little something of the reviews mention the lack of response toward policyholders.
Features of Ambetter Available Plans
Ambetter Health Insurance always offers three types of plans on the marketplace:
1. HMO (Health Maintenance Organization)
The HMO plan usually requires that you can only see network policyholders, who either work directly for or contract with the HMO. If you do need a referral from your primary care to see a specialist doctor. An HMO typically has cheaper rates than other plans of Ambetter health insurance.
2. EPO (Exclusive Provider Organization)
An EPO package requires you to stay within the plan’s network for the insurance to cover services to you. Your primary care doctor to see a specialist isn’t a referral required. The average rates tend to be about the same as: an HMO and less than those of a PPO.
3. PPO (Preferred Provider Organization)
The PPO health care plan lets you see providers outside your network and isn’t required. You can get a referral from your primary care provider before seeing a specialist. Out of network care usually costs more than if you get care in a network. PPO health insurance premiums are usually higher than other plans.
What type of Insurance is Ambetter Health Care Plans
Ambetter Health Insurance offers plans in 26 US states. Actually, The Ambetter Insurance company offers three types of individual health insurance packages, that’s it — Bronze Plan, Silver Plan and Gold care Plan:
1. Bronze Plan (Ambetter Essential Care)
Basically, Bronze plans provide the cheapest rates. Therefore, if you require high-cost healthcare, you will have to pay the additional cost. Just then, a Bronze plan may be right for you, if you don’t frequently need health care services. Also, if you want to pay the cheapest rates for plenty of health insurance, then it’s the perfect plan for you.
2. Silver Plan (Ambetter Balanced Care)
Generally, Silver plans have medium and higher rates installment than Bronze plans. As a result of when you need care, out of pocket costs are lowest. Taking a Silver plan may be an intelligent decision, if you want to pay the rates less than Gold plans. You don’t want to spend the higher costs in Bronze plans.
3. Gold Plan (Ambetter Secure Care)
Always, Gold plans rates are higher than Bronze and Silver plans, but when you need health care when very little of the cost of your. A Gold plan should be preferred immediately! When you are certain that you will need better quality healthcare in the next year or after a long time. If you would pay more rates each month with the understanding that you won’t pay as much when you need health care.
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Summary of Ambetter Health Insurance Plans Costs
Ambetter insurance plans on the ACA marketplace average cost of more than 30 years old is $408 per month. More than 40 year olds spend $460 on average for a month and Upper 50 year olds pay $642 on average every month.
Ambetter health insurance packages fixed to multiple factors determine the cost of the plan, including the type of plan, the metal layer, how much your age, how many people are covered and your living state.
Bronze Plan: Member, age and monthly average cost —
Plan member | Age | Average monthly cost |
---|---|---|
Children | 0 – 18 | $240-$285 |
Adult Individual | 21 – 27 | $318 – $333 |
Adult Individual | 30 – 40 | $360 – $406 |
Adult Individual | 50 – 60 | $567 – $862 |
Couple | 21 – 30 | $635 – $721 |
Couple | 40 – 50 | $812 – $1,134 |
Couple | 60 + | $1,724 |
Couple+ 1 children | 21 – 30 | $876 – $961 |
Couple+ 1 children | 40 – 50 | $1,052 – $1,375 |
Couple+ 2 children | 21 – 30 | $1,116 – $1,202 |
Couple+ 2 children | 40 – 50 | $1,293 – $1,615 |
Couple+ 3 child or more | 21 – 30 | $1,357 – $1,442 |
Couple+ 3 child or more | 40 – 50 | $1,533 – $1,856 |
Individual+ 1 child | 21 – 30 | $558 – $601 |
Individual+ 1 child | 40 – 50 | $646 – $808 |
Individual+2 child | 21 – 30 | $798 – $841 |
Individual+2 child | 40 – 50 | $887 – $1,048 |
Individual+ 3 child or more | 21 – 30 | $1,039 – $1,082 |
Individual+3 child or more | 40 – 50 | $1,127 – $1,289 |
Members, age and average monthly cost for Silver plan:
Plan Member | Age | Average monthly cost |
---|---|---|
Children | 0 – 18 | $281 – $333 |
Adult Individual | 21 – 27 | $371 – $389 |
Adult Individual | 30 – 40 | $421 – $474 |
Adult Individual | 50 – 60 | $662 – $1,006 |
Couple age | 21 – 30 | $742 – $842 |
Couple age | 40 – 50 | $948 – $1,324 |
Couple age | 60 | $2,012 |
Couple+ 1 children | 21 – 30 | $1,023 – $1,123 |
Couple+ 1 Children | 40 – 50 | $1,229 – $1,605 |
Couple+ 2 child | 21 – 30 | $1,304 – $1,404 |
Couple+ 2 child | 40 – 50 | $1,510 – $1,887 |
Couple+ 3 Child or more | 21 – 30 | $1,585 – $1,685 |
Couple+ 3 Child or more | 40 – 50 | $1,791 – $2,167 |
Individual+ 1 children | 21 – 30 | $652 – $702 |
Individual+ 1 children | 40 – 50 | $755 – $943 |
Individual+ 2 child | 21 – 30 | $933 – $983 |
Individual+ 2 child | 40 – 50 | $1,036 – $1,224 |
Individual+ 3 child or more | 21 – 30 | $1,214 – $1,264 |
Individual+ 3 child or more | 40 – 50 | $1,317 – $1,505 |
Ambetter Health Insurance members, age and average monthly cost for Gold plan:
Plan Member | Age | Average Monthly Cost |
---|---|---|
Children | 0 – 18 | $324 – $384 |
Adult Individual | 21 – 27 | $428 – $449 |
Adult Individual | 30 – 40 | $486 – $547 |
Adult Individual | 50 – 60 | $764 – $1,162 |
Couple | 21 – 30 | $856-$972 |
Couple | 40 – 50 | $1,094 – $1,529 |
Couple | 50 – 60 | $2,223 |
Couple+ 1 Children | 21 – 30 | $1,180 – $1,292 |
Couple+ 1 Children | 40 – 50 | $1,418 – $1,853 |
Couple+ 2 Children | 21 – 30 | $1,504 – $1,620 |
Couple+ 2 Children | 40 – 50 | $1,742 – $2,177 |
Couple+ 3 child or more | 21 – 30 | $1,828 – $1,944 |
Couple+ 3 children more | 40- 50 | $2,066 – $2,501 |
Individual+ 1 children | 21 – 30 | $752 – $810 |
Individual+ 1 children | 40 – 50 | $871 – $1,089 |
Individual+ 2 child | 21 – 30 | $1,076 – $1,134 |
Individual+ 2 child | 40 – 50 | $1,195 – $1,413 |
Individual+ 3 child or more | 21 – 30 | $1,400 – $1,458 |
Individual+ 3 child or more | 40 – 50 | $1,519 – $1,737 |
What Extra benefits does Ambetter Offer?
Who meet specific requirements, Ambetter additionally offers “My Health Pays rewards” program perks to policyholders all of them. Such as, you will earn rewards for fulfilling an annual wellness screening, eating right food and moving more.
If you want to convert the rewards into money, after you can use the points to fill up your health care costs.
- Deductibles
- Monthly rates
- Coinsurance
- Copays and more.
Also, Ambetter allows you can use your points to pay for:
- Utility bills
- Education fees
- Cell phone bills
- Home rent or another
- Transportation
- Child care and more.
Also, you can start a “Smart Baby Program” for your newbie children. The program provides a variety of support to those who are pregnant and the policyholders can use a nurse advice hotline that is available 24 hours a day-night to all of a week.
Ambetter Health Insurance Management Programs offer various educational tools based on phone support for those with chronic diseases. such as; depression, asthma, hypertension and lower back pain and more.
What Does Ambetter Health Insurance Cover?
Ambetter offers a variety of marketplace insurance policies with varying levels of coverage. At a moderate cost, Ambetter’s health insurance plans are appropriate. The following are the coverage of Ambetter health insurance:
- Services for emergencies
- Services for prevention and well-being
- Newborn and maternity care
- services for children and adolescents
- Services for Mental health and substance abuse
- Services for in the laboratory
- Ambulatory services
- Occupational therapy services
Get the best health insurance plan coverage and you deserve, The company guaranteed to offer lowest pricing with maximum benefits and coverage plan.
Pros and Cons of Ambetter insurance
Affordable decorations Ambetter Health Insurance offers plans with affordable decorations, which is great for those who want to save plutocrats on their health insurance. It has wide range of service plans. The company offers a wide range of plans that feed to the requirements of different individualities and families.
Ambetter Health Insurance has its own healthcare provider, in which members have access to medical services networks when needed. Health savings regard( HSA) Some of Ambetter’s plans come with a health savings regard, which allows members to save plutocrats on medical charges duty-free. Wellness programs Ambetter offers heartiness programs to help members stay healthy and manage habitual conditions.
Cons
Limited content Ambetter Health Insurance may not cover certain medical services, which can be inconvenient for those who need those services. Client service some members have reported issues with Ambetter’s client service, including long delay times and difficulty resolving issues.
Provider network while Ambetter has a network of healthcare providers, some members may find that their preferred provider isn’t in the network. Tradition medicine content some members have reported that Ambetter’s traditional medicine content is limited, which can be problematic for those who calculate on specifics. Lack of translucency Ambetter Health Insurance’s plans and pricing can be delicate to understand, which can make it challenging for individuals to elect the stylish plan for their requirements.
Overall, Ambetter Health Insurance offers affordable plans with a range of benefits, including a network of healthcare providers and heartiness programs. Still, the company’s limited content, client service issues, and lack of translucency may be downsides for some individuals.
Frequently Asked Questions
Is Ambetter good health insurance?
Ambetter is a most of the popular health insurance company in the United States.
What type of insurance is Ambetter?
Ambetter offers three type health insurance plan, that it — Bronze, Silver and Gold plans.
Daniel Jack is a senior finance and insurance writer and analyst at The US Pedia. For more than 8 years, he has been helping consumers learn about the finance, insurance and banking related. Daniel enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. He completed his MBA (Master of Business Administration) from the University of Chicago.