ambetterhealth.comReviews of ambetterhealth.com

This company is a scam! Very unhelpful reps and they double charge your credit card. I have been trying to have them reverse one of the charges for 3 weeks now! They keep saying give it 10 more days, but it has been escalated for 3 weeks already! I finally just disputed the charge with my credit card, Ambetter can deal with my CC company since they do not know how to resolve any issues. Makes me nervous if I have an actual claim (I have only had this garbage insurance company for about 2 months and it's already a disaster). Even the "managers" are a joke. They will take your money (twice) but they do not know how to put it back. Do yourself a favor and run the other way unless you enjoy dealing with incompetent, rude liars! And if you do decide to wreck your life and use this horrible company, make sure you put it on a credit card so you can dispute it later and then it is not coming out of your checking account.......because you may never see that money again!

This company is simply the WORST! They do not honor their promises. And they want to second guess the Doctors. My Dr. prescribed me a necessary medicine and they denied it and wanted me to try other medicine first - which I was SICK. I got SICKER because of this company.

Horrid company Horrid customer service This company works on very shady practices I am surprised that they are allowed to do business at all

I am extremely disappointed with Ambetter Health. My insurance plan had already ended, yet they enrolled me in a new plan without my permission and charged my credit card through auto‑pay without any authorization. This is completely unacceptable and feels like a deliberate misuse of my payment information. Trying to fix the issue has been frustrating and time‑consuming, and I still haven’t received a clear explanation for how they were able to charge me after my plan was finished. No customer should have to deal with unauthorized charges or surprise enrollments. I would strongly caution anyone considering Ambetter—double‑check everything and monitor your billing closely.

Checked the site for Urgent Care places who accept my insurance. Received a bill almost 4 weeks after my visit telling me my insurance covered nothing. After talking on the phone with an agent, I was told the physician wasn't covered but the location is. The woman was the only physician there. I was still able to pay my copay during the visit and told everything was fine. Now the urgent care place is demanding payment right after the new year. I regret getting and paying for health insurance I clearly couldn't use.

Ambetter is quick to take my premiums on time but delays when I need them to actually deal with my healthcare on a professional level. From start to finish was frustrating, stressful, and ultimately unacceptable—especially for someone with serious medical needs. My coverage ended December 31, 2025 at 11:59 PM because Marketplace premiums were raised to nearly five times what I had been paying, making the plan unaffordable. I secured new insurance through my employer and simply needed written documentation confirming my coverage termination—something that should be routine. Instead, I was told I would have to wait 7–10 business days just to receive proof that my insurance had ended. This would already be inconvenient—but I repeatedly explained that I am diabetic, have multiple chronic health conditions, and take approximately 13 medications. I made it very clear that being left without documentation could delay care, prescriptions, or coverage transitions. Despite this, I was met with indifference and scripted responses. I asked multiple times to speak with a supervisor or someone with more system access. That request was denied. The representative could only “create a ticket” and promised a callback at some unknown time. There was no attempt to escalate, no workaround offered, and no sense of urgency—despite knowing the medical risk involved. Beyond this call with Kai, my overall experience with Ambetter was subpar: Many medications I had previously been prescribed required excessive prior authorizations Coverage approvals felt inconsistent and restrictive Finding in-network doctors was difficult Services were often denied or delayed I constantly had to “jump through hoops” to receive basic care For an insurance company that markets itself as helping people stay healthy, the reality felt very different—especially when immediate help was actually needed. Being told, essentially, “We were happy to take your money, but now you can wait,” while dealing with diabetes and multiple medical conditions is not acceptable. I would strongly caution others, particularly those with chronic illnesses or complex medical needs, to think carefully before choosing Ambetter. If you need flexibility, responsive customer service, or timely documentation, this may not be the right plan for you.

Ambetter is barely more than a scam. They are expensive, have high co-pays/ deductibles, don't like to cover services... I paid for a plan this year that was over $500 per month out of pocket, had a deductible over $6k, and was a massive headache at every turn. When I had to go to the ER for a medical emergency, they sent me a letter telling me I should have gone to a walk in clinic... for an issue which, if they had taken 10 seconds to review, they would have seen was not appropriate for a walk in clinic. But the worst was when I went to look at 2026 plans. The cost of a similar plan to my 2025 plan went from 500 to nearly 900 dollars per month. I can't afford that, so I didn't sign up. Ambetter decided on their own to enroll me without my consent and charged me. It's now been well over a week, and even after many phone calls, they have not refunded my money. Ambetter is terrible.

The insurance got me out of their system, before my insurance with them ended, not allowing me to use my rewards of over $200 I guess, the Amber is $200 richer ….It’s all about what is benefiting the insurance