ambetterhealth.comReviews of ambetterhealth.com

This insurance is a JOKE! First of all, the doctors and hospitals listed as "in-network" are not current and very hard to find a doctor that actually accepts their insurance. Second, I had to have an MRI done and my doctor sent in my prior authorization on January 8 and finally on February 1st I was told that the claim was denied on January 10th!!! I have been calling Ambetter of Alabama almost everyday since she sent the orders to see if approved so I could get the MRI scheduled and every time I called the person answering the call spoke a foreign language and only wanted to confirm my personal information and kept telling me it takes 15 days for them to authorize anything, Here it is February 1st and the person I talked to today finally tells me it has been denied since JANUARY 10th but they had the wrong member ID number and that they requested I have an Xray which would also need to have prior authorization!!!! I had also been emailing them on their website and I got a quick response back stating a customer representative would get back with me within 1 business day, well I guess they must only work 1 day out of the month because I have sent 2 emails since then and still never received a response from an actual person. The only reason I got insurance was because my husband is self-employed and we had been paying cash every time we went to the doctor, which is no problem, but we wanted to have insurance in case of an emergency but at this rate we would die before our insurance approved our claims, I would rather pay cash than deal with these people! I cancelled my insurance effective immediately and I dare them to send me a bill!!! Do yourself a favor and save yourself a lot of time DO NOT GET THIS INSURANCE!

I'm supposed to be constructive, but in this case the most constructive advice I can give is to potential clients: stay away. Ambetter has rejected every claim I've ever made, each time for a different reason. This means a surprise thousand-dollar bill for a routine office visit! There are two fundamental problems with this insurance: the first is that whoever manages their data and website is awful. The data they have on their website regarding providers, where they work and whether they are in-network is so outdated and inaccurate that it's essentially useless. The second issue is their customer support. Some reps are sell-intentioned enough, though even they can be deceptive, while others have absolutely no clue what's going on and transparently lie or make up answers to your questions. It's a joke. On top of that, communication is difficult through the language barrier, which gets exhausting after ten or more calls. After having so many claims denied, I'm scared to go to the doctor now. I won't do it until I get new insurance. I can't cancel since open enrollment has passed, so I'll just keep it in case of emergencies and to pay for my monthly medications. STAY AWAY.

Horrible customer service, cannot provide me an explanation for why I needed to verify my account and made me jump through hoops just to get that done and now they are claiming my plan lapsed even though they didn't let me know about it because they wouldn't let me log in because I had to verify and I will most likely have to go through the effort of contacting their unhelpful customer service again and run a marathon before they reinstate me for something that isn't my fault!! Do not use, do not recommend.

I’m paying nearly $1900 per month for my wife’s and my high deductible plan. No coverage for meds, and as far as I can tell, no negotiation on the drug prices. But it’s their customer service and administration that is truly dreadful. In 40 years of dealing with health insurance providers, they are the worst by orders of magnitude. You will not speak to anyone without a heavy south Asian accent, who will not understand your question and provide no useful information. They also don’t seem to have people in administration connected to the online portal. All in all, it’s an expensive, essentially worthless, and incompetent company. I never thought I’d be looking forward to turning 65 this year, but hopefully Medicare gives me relief from this crap.

I've had Ambetter for 2yrs. The first year was good, no problems. The second yr my rates went up and started having issues with approvals.I have been taking the same meds for the last couple of years and no problem with approval. The end of this year when I tried to get a refill, all of a sudden I need it preauthorized! My doctor sent the preauthorization and still got denied. Not to mention the reward program. I used my reward points for a prepaid visa card. I ordered it October 15th and just received it. I had to call so many times just for them to reissue another card because the other one never arrived. Then when I activated the card and tried to use it, it declined at 3 different retailers SMH. I called to find out why and got a representative whose language was very broken and couldn't tell me why. He transferred me to the activation department and she said that they only activate cards and the previous rep should have been able to assist me. She also informed me that their prepaid visa Cannot be used everywhere!!! So basically, my rewards points are wasted. But they'll let you use it to pay your premium with them. I will not be renewing with them again, plus their premiums went way up!!

I live in a medium sized city but Ambetter has horrible coverage. Basically only one community clinic accepts their health insurance. Their website sucks and customer support gives out wrong information like saying a Kaiser Permanente hospital accepts their insurance. Ambetter also suddenly drops providers from their network without any notification to us leaving us with a $786 dollar bill we have to pay out of pocket. The only thing thats good is the rewards program but if you decide to buy items from the store instead of getting the prepaid card, everything is inflated 2 times so your points are essentially only worth half as much. Plus my plan was canceled on 12/30 even though it says its valid to 12/31 so I have leftover points i cant spend. All in all, I had a terrible experience with Ambetter and would reccomend people to look at other options.

They start with a low rate and then increase it 30% the first year then 800%. They are not affordable at all! I also earned a rewards card and they would not honor it. Shame on them.

Paid claims on time. Very poor customer service. When you call, you are directed to a third world call center, not an Ambetter employee. They don’t speak fluent English nor do they understand fluent English. After a lengthy time and being put on hold multiple times, they eventually disconnect you and you must call back and start the process all over again….. They put the CUSS!! In customer service.