Kimberly W.
Ambetter is not better!
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.