Ambetter From Coordinated Care: What You Need to Know
Ambetter From Coordinated Care is a part of the Health Insurance Marketplace (HIM) and offers health insurance to residents of 17 states: Arkansas, Florida, Georgia, Illinois, Indiana, Kansas, Mississippi, Nevada, New Hampshire, Ohio, Texas, Washington, Massachusetts, New Hampshire, Ohio, Texas, and Washington. Ambetter from Coordinated Care is a part of Centene Corporation, a Fortune 500 company with more than 30 years of experience in the Managed Care and specialty health industry.
Ambetter offers three healthcare plan options, the Gold, Silver and Bronze plans. Choosing the bronze plan will give you lower monthly payments but will cost more in out-of-pocket expenses. The Gold plan pays the most toward your care but also comes with a higher premium cost. The Silver plan provides a balance between insurance premium costs and out-of-pocket expenses. Basic essential health plan benefits covered by all plans include:
- Emergency Services:
- Outpatient or Ambulatory Services
- Preventive and Wellness Care
- Maternity and Newborn Care
- Pediatric Services
- Various Therapy Services (ex. Physical Therapy)
- Prescription Drugs
- Laboratory Services
- Mental Health and Substance Abuse Services
Optional vision coverage is available through some plans (pediatric coverage for eye exams, prescription eyewear. Optional adult coverage is available through some plans.)
You can browse the brochures for different plan options. There are many different options available to you and you can choose options based on your federal poverty level, deductible options, out-of-pocket expenses, and coinsurance amounts. The provider directory will help you find a provider in your area.
Here is an example of a Gold Level Coverage Plan:
- Emergency Services: No charge
- Emergency transportation/Ambulance (Air or Ground): No charge
- Urgent Care: No charge for in-network providers
- Annual well visit/screening/immunization/well baby: No charge
- Primary care visit to treat illness or injury and maternity visits: No charge
- Specialist visits (cardiology, podiatry, chiropractic): No charge
- Imaging (CT/PET/ MRI): No charge
- X-rays (Diagnostic/Imaging): No charge
- Inpatient Facility Fee: No charge
- Inpatient Hospital Physical and Surgical Services: No charge
- Outpatient Surgery Physician/Surgical Services: No charge
- Laboratory Outpatient & Professional Services: No charge
- Mental/behavioral health & substance use disorder outpatient services: No charge
- Rehabilitation eye exam (1 visit per year): 100 percent coverage
- Eyeglasses (frame 1 per year): 100 percent coverage
- Lenses (per pair): 100 percent coverage
- Prescription drugs: No charge for generics, preferred brand drugs, non-preferred brand drugs or specialty drugs.
- Rewards Program: You can earn up to $250 per year for preventative care measures.
- 24/7 Nurse Advice Line: A registered nurse is available 24/7 to answer questions and give medical advice.
- Care Management: This is a resource program to help those with behavioral conditions or complex medical conditions.
- Health Management Programs: Support for those with chronic health conditions
- Pregnancy support for Women and Babies: Specialized support for pregnant mothers and babies.
- Video Library: The video library offers resources to members to help them stay informed. Videos are available for automatic bill pay, where to go for care, secure member accounts, preventive care services and how to find your primary care provider.
How to Enroll
If you are interested in enrolling for coverage through Ambetter, you will first provide basic information (family size, income, etc.) to find out what plans you are eligible for and if you may be eligible for a subsidy. You’ll then be provided with a list of plan options. After comparing you can enroll for coverage. You will receive a welcome packet and insurance ID card in the mail.
Although you can only enroll in an Ambetter healthcare plan during open enrollment season (November 1, 2019 through January 15, 2020 for the 2020 health plan year in the WA healthplanfinder), if you have a special need, you can call the company at 1-877-687-1197. If you’ve had a qualifying event such as a marriage or birth, it is possible to qualify for a special enrollment period. This would mean you could make changes to your health insurance policy before or after open enrollment dates. A special enrollment period typically lasts 60 days after a qualifying life event.
Customer Service Ratings/Reviews
Ambetter has a “B-“ rating with the Better Business Bureau based on 33 customer complaints and 15 customer reviews. Overall, Ambetter scored a BBB composite rating of 2.56 out of 5 stars. Ambetter is not BBB accredited. While companies are under no obligation to seek BBB accreditation, it does allow consumers to see how the company handles and resolves customer complaints.
There is a mixture of good and bad reviews online form Ambetter. Some patients complain of the company denying procedures without proper explanation. Good reviews involve easy online pay options and good customer service over the telephone.
Ambetter from Coordinated Care has more than 30 years' experience providing healthcare coverage. There are several benefit plans to choose from to fit almost any household budget and medical situation. To find out more about the specific health plans you qualify for, you can visit the Ambetter website or contact a company representative at 1-877-687-1197 (TTY/TDD 1-877-941-9238).