ambetterhealth.com Reviews 

Ambetter insurance is a joke, they don't cover anything!!! Between copays and office visits, blood test , medications, it's ridiculous, We pay more out for fees, co-pays and tests than we do our insurance payments, I've had breast cancer in the past and cancer in my lymph nodes, I can't even afford to get my test that I'm supposed to get cuz they want too much up front. Totally ridiculous, my medications keep going up. I can't even afford to take those which I'm weaning myself off of. I will find something natural, if I were you I would stay away from this insurance company.

I really don't even think that they deserve one star but I had to put one star in order to leave a review. When I call customer service they give me names of people that don't exist in the offices of the phone numbers they give me. And they don't take ambetter after being told that they do. Most of the tests that I need are not covered when I finally find a doctor. The customer service people have been very nice however they do not have adequate information. The copay for a specialist is $90. I understand this is a free policy but come on guys this is ridiculous. I spend all of my time calling doctors to find out who takes ambetter only to find out that nobody does. This is the worst insurance anyone could ever have.

The insurance hasn't been that bad, but we do not use it very much. The company is really messed up, especially their website. Often you cannot login to parts of it. Like the Myhealthpays section. They say you can use your myhealthpays card at Walmart, but it doesn't work in Florida last year or this year, although their website portal says we can use it. They are had to communicate with. Many outside the USA it seems. Some call from within the states, but it is odd how they call, I think they need to write and send mail, and not call, especially if you do not know the number or it is them. Their is something very peculiar about this company for sure. When you login, you have to do two levels of multi-authentication, it is a really pain, seems unnecessary. They have a lot of bad reviews, when I have called, they tell me things that are not true. They people on the call center honestly know very little. It took them months and a complaint form for them to finally give me my 2500 points for my health screening I did for them last year. They drag their feet, and wait to put points and money on your myhealthpays card. Their website was down for 4-5 days and we could not access the myhealthpays section of the website, then it had errors. They have a lot of problems with their website for sure. We use them through the Marketplace, but honestly, they need to up their game, pretty mediocre for sure, using this insurance company can be quite frustrating for sure.

this company is charging for health insurance they should not be. someone take notice . Florida is being scammed

I've dealt with numerous insurance companies over the years, including on the exchange; this was the absolute worst. My wife and I experienced several problems in the less-than-a-year we were covered by them through the Georgia healthcare exchange.
On paper it looked ok, but then practically useless when we tried to use it. It felt like we ended up paying more out of pocket than if we'd paid the higher premium with a better company. Some examples:
- When we went looking for service, many of the providers the insurance company listed told us they no longer accepted the insurance, so difficult to find providers for various specialties. Any provider list is always a bit out of date, but this was not even close. Their actual provider network is much smaller than it appears.
- A screening colonoscopy had a huge copay/coinsurance that previous insurance companies didn't charge. This cost us several hundred dollars.
- Prior authorization was denied multiple times for vague, confusing and contradictory reasons, despite our doctor providing test results that very clearly met the insurance company's stated criteria for approval.
- A doctor ordered ultrasound was denied, still not sure why.
- Repeated instances of what felt to us like delay, deny, defend behavior. This is the first time I actually feel the need to say this.
- Multiple experiences of really poor customer service provided by what appeared to be poorly trained overseas staff. I don't care where they are, you still need to train them.

Biggest fraud and they don’t have answer and they just hung up the call and be ready to wait 1 hour on call and then those idiots will just tell you some inappropriate story which doesn’t match your insurance details . Up on asking details they get mad and hung up the call .

Can not understand customer service speaking. Not much covered for the high deductible

Held up reception of meds I had been on, previously under prior insurances. Errors with data entry caused further hold-ups. Still waiting for approval of immunosuppressants, that were prescribed in January (it's late March). "Have you missed a dose," they ask. "Do you need to speak with a pharmacist?" Don't buy from this terrible, inefficient, error-ridden, coverage-dodging, worse and worse the more I have to call them company.

I'm just living on prednisone over here, until someone can do their job, thanks to bureaucratic idiocy.

it is not accepted at any halfway decent place, I got it just to cover for hospitalizations, guess what it’s not accepted at the hospital I went to. Even f it was covered on my bronze plan ambetter only covers 40% after 17000 deductible. I told the hospital I do not have coverage and need financial assistance they covered 70% cost of my brain surgery. So spending 8000$ later I got absolutely nothing form this insurance… I tried to get meds CVS does not accept them, and so I got transferred them to walgreens, walgreens said if you use your insurance charge is 100$ more compared to using Goodrx 😂.

I'm waiting on a third approval on recommendation for MRI that I'm sure they will decline again. This company wants it's customers to die before they will pay for needed healthcare.

They denied a medication so we filed an appeal. Called several times to be told they conveniently did not receive it. I requested to speak to a supervisor several times and was denied. Called multiple times until I finally reached someone who found the appeal and noted they had two more days to process. Very frustrating to spend so much time to get an update. Very poor service.

Absolutely the worst insurance ive ever had in my life if i can leave 0 stars i would

This insurance is very very difficult to use. So difficult, that I'd say I'm not really insured and that Ambetter's claim that I am, is fraudulent.

The network is very narrow, giving me limited doctors within a reasonable distance. Yet, Ambetter does not trust the doctors they chose to work with. So, getting medical issues looked at is very difficult, requiring pre-authorizations that, so far for me, have been rejected. The doctors and their offices don't seem to know how to work the system, so I am stuck just living with my injuries.

It takes a long time to get anything done. I have to contact one of the few primary care doctors near me, wait for an appointment, have the doctors request tests, have those rejected, then, then...Ambetter kicked my primary care doctor out of the network! So now I have to start all over! The doctor's office said that Ambetter came out of the blue and kicked them out of the network. This disrupts my care and forces me to start the medical waiting game, diagnosis game, and fighting with the insurance company game, all over again. I called Ambetter to ask if they could give me any information as to why my PCP who I already saw is not in network anymore, and they couldn't tell me anything. The customer service representatives have no clue.

I've also called their customer service representatives as to all my authorization denials, and again, they can't tell me anything.

It turns out, that Ambetter doesn't even process the authorizations. They farm that out to a company called Evolent Speciality Services. I called them, and they couldn't give me any specifics, other than saying I can go through a laborious effort of trying to prove my medical issues are real and mailing all this in by snail mail. I asked them if it was worth the many hours it would take me to try to gather all these documents and imagings, and they couldn't tell me anything about my chances, or even the best way of appealing. They had no advice or information other than to mail in an appeal. I asked them a direct question for advice, and one representative's response was something like, 'uh huh, yeah'. That response makes no sense to question, showing she was not even listening. A previous Evolent representative appeared to have hung up on me, although we could have been disconnected for technical reasons.

Over the last decade, I've been to doctors multiple times for my knee and bicep. I've had two rounds of physical therapy for the bicep, and even had surgery on it! The surgery doesn't seem to have worked. I haven't gone back to the original surgeon because I'm on different insurance now. The knee has been x-rayed and I've done at home physical therapy based on what a doctor gave me to do. These are real medical injuries that should be looked into and are covered by insurance if the insurance company believed their own doctors in their narrow networks that say the only way to know what's going on is an MRI. For the bicep, pre-surgery, I did about 2 months of physical therapy before that insurance company at the time finally let me get an MRI. The MRI showed that physical therapy was never going to work because the bicep was too far torn. So, I spent a lot of money, hours, gas, wear and tear on my car, and time out of work, doing physical therapy, when an MRI could have shown that was a waste of time. That was under a previous insurance company, that was also bad, but not as bad as Ambetter.

I should have check here first. With a 1.2 rating with over 223 reviews is all you need to know. DO NOT SIGN UP with Ambetter Health. I was assigned a primary care provider that is a Nurse Practitioner. I have been trying to change my PCP to an internal medicine doctor since the end of Januraruy. Here it is March 11 and no where closer to changing my PCP. I had 9 calls with the reps and supervisors all with the same story. Give us 7 to 10 business days. I check and my PCP is still the Nurse Nurse Practitioner. Meantime I'm paying $700 a month. I have spoken and messages their complaint department and all i can say it's a joke. This should be illegal.

How i wish I had seen these reviews prior to signing up for a plan! Do NOT get any plan from Ambetter. I checked to see if one of my specialists was in-network and based my decision on that. Good crap, what a bad idea. They barely covered anything from my doctor's visit and I'm having to pay a $532.59 bill. Affordable Healthcare? Who could possibly think that??

I am a US veteran, being discharged from a rehabilitation center, I chose to get help for my ptsd and alcohol use. I wore a uniform to defend our country, to defend freedom, and freedom of speech. I am 1 wk from completing the program. I do not believe in murder, though now i understand why a ceo of an insurance co. was ambushed. I believe what bafalls any ambetter employee i will feel no empathy for them or their family members. May God take pity on such people, for noone else may.

This is the worst insurance company I've ever come across. Paying $500 a month for subpar insurance and then denying me important testing that is life altering. It's disgusting. I truly hope karma visits them in the worst possible way.

If I could give negative stars I would. I had Ambetter for OVER 2 years and never was billed a premium and had coverage the whole time. In January 2026 my husband got his insulin through the insurance no peoblem....In March my insurance is canceled due to NO Payment of premium and now my husband's insulin can not be given to him because we can NOT afford it...Why did it take all this time and no bills sent to us for them to cancel it? THIS IS VERY WRONG!!! YOU ARE PLAYING WITH PEOPLES HEALTH!!

I’ve only had this policy for one month, and they are already denying coverage for a life-sustaining medication. I spent an entire week on the phone with them, calling multiple times a day, trying to resolve the issue. Even though I’ve paid my premium, they continue to deny my medication.

Based on this experience, I would not recommend this insurance at all. If something serious happens because I cannot get the medication I need, the responsibility will be on them.

We have never had insurance that is such a horrible joke. We picked this one because the “in network” provider list listed one of our very important physicians as a provider. I spoke to CS about it. I had verified since they listed the provider they are supposed to give in network prices. CS told us the list had probably not been updated when we chose their company & we should have verified our physicians office accepted their insurance. #1 They knew it was time for open enrollment & the list of providers THEY list should be updated especially when it is open enrollment. #2 I should not have to verify with my physician that is their job. Personally I am tired of doing other peoples job. CS could recommend another physician in their network. No that is not an option for us. Since this is their mistake we should be able to chose another company. Extremely ANGRY!