ambetterhealth.comReviews of ambetterhealth.com

Ambetter is mostly a predatory leech that is only there to gobble up federal subsidies for health plans, and do everything they can to not pay. I'm getting new bills a year later after they refused to cover a hospital stay. If the billing team at your medical office doesn't have the capacity to submit every claim four times, then Ambetter will not pay a penny. It's always wrong code, out of network, or some other phoney technicality.

In January, after selecting our plan, Ambetter denied coverage for a necessary medication I have taken for years to manage chronic, debilitating migraines. Instead, they required me to try an alternative medication for two months before reconsidering coverage. Just before reaching the two-month mark, Ambetter drafted our family premium of approximately $1,700 and then terminated our coverage without notice, citing “voluntary withdrawal.” After contacting them, they were unable to provide any evidence that we had withdrawn coverage and initiated a review process, which they stated could take up to 45 days. I only became aware of the termination after receiving an autopay cancellation email on April 15, 2026—the day after undergoing a mammogram on April 14. Since then, we have been forced to pay out of pocket for all medical expenses, and as of today, May 3, 2026, we remain without coverage. During this time, I have also been unable to afford the alternative migraine medication required by Ambetter, as it costs over $1,000 for just 10 tablets. More importantly, I have three young daughters who require routine medical care. My youngest, who is two years old, has ear tubes and recently experienced bleeding. We have already paid for multiple visits out of pocket, and there are additional medical needs we have delayed addressing due to the financial burden while we wait for resolution. This situation has created significant financial strain and has directly impacted our ability to access necessary medical care for myself, husband, and my children.

No providers accept this insurance, apparently there are too many issues with the providers being paid and then out of nowhere they removed medication that I’ve been on for years off of their approved list. I spent close to six months, trying to find mental health services for my son in Florida or anywhere in the country. All the places I called would not accept Ambetter and then Ambetter never did give me a list of places that would accept. Absolute garbage insurance you’re better off paying out-of-pocket or Medicaid/Medicare

Change your name to Am-Worse or Scambetter. It fits the service you have provided to date. I enrolled in Ambetter as a small business owner in after being forced to switch providers. It has been one of the worst experiences I have ever had with any company. My minor child suffered a severe injury requiring multiple surgeries. As part of recovery, occupational therapy (OT) was prescribed and previously covered without issue by our prior insurance. Ambetter denied the OT coverage, and despite multiple appeals including a strong written report from the treating surgeon at a major medical center stating that my child may never reach functional range of motion without continued therapy every appeal has been denied. This means their claims department knows more than the surgeon, who has a degree from Stanford. When we followed Ambetter's own suggestion to obtain a new evaluation, they denied it as a "duplicate request." An expedited appeal was denied on the grounds that it was not life-threatening, despite documented pain during movement. Beyond the denials, the customer service has been unacceptable. I have made countless calls, been promised supervisor callbacks that never came, and have been given nothing but runarounds with no accountability. This company is not operating as a legitimate insurance provider. They are denying care recommended by specialists to a child. I would strongly caution any small business owner or family from enrolling with Ambetter. Ambetter, you are the worst. You should be ashamed of yourself.

None of the dentists that they say on the website are in network are actually in network. I call them to get help, the lady reads aloud names of dentists from their website for 20 minutes as I patiently tell her that each one is also not in network. So she says she will give me a phone number for the dentist department in my area and then just stopped replying and let the line go quiet. After minutes of me saying "hello?" to an empty line I hung up in frustration.

They deny literally EVERYTHING. I pay 662 bucks a month...JUST FOR ME. I need a shot in my back that costs 170. They denied it and insisted on me doing PT that I'd already done, WHICH IS MORE EXPENSIVE THAN THE SHOT. They're policy is clearly to deny EVERYTHING. That's the business model. So, I've been haggling with them for months. All the while, I'm in so much pain I've become suicidal. Don't EVER EVER get "coverage" with this company. I'm paying 662 dollars a month for a figment of my imagination.

Worst insurance company ever. They deny procedures that my other insurance company approved. They don't pay for much. Terrible customer service. Can't wait to change coverage.

We have encountered a negative experience since January 2026, which has persisted for nearly three and a half months as we attempted to rectify and update the authorization year. Despite our efforts on our part, no resolutions have been achieved. This issue began in January 2026, and as we find ourselves in mid-April 2026, there has been no progress made, only unsubstantiated assurances provided.