ambetterhealth.com Reviews 

Coverage went up by $400 a month, I called a customer service rep and they said my rates would stay the same unless I did a manual change but I she was uninformed or I was lied to. Not only this, but they are extremely hard to get a hold of for questions, and most stuff my family needs seems out of network. Even the in-network reccomended healthcare providers inside the portal are out of date and innacurate. What a disaster

I have spent a cumulative 10 hours trying to book a simple first appointment with in-network physicians with this company. Ambetter lists which physicians are accepting new patients, but you don't know this is true until you call to make an appointment. You can't just book with a different physician if you're not assigned to them. So you have to make that change first. Then you call to book an appointment, and that physician isn't accepting patients either. Their directory needs an update or the doctor's office needs to be communicating with the insurance company. For all the tech tape and phone calling I had to go through just to discover all this is beyond unacceptable for the cost of the much better than average insurance plan I bought. In the end, I'm scheduled to be seen by a Resident, which I appreciate is still good medical care, but it's NOT the experience of care I thought I was paying for. I'll be terminating my policy to find healthcare another way. The only redeeming feature was the kind customer service from 1 individual.

Zero stars they lead you down all these rabbit holes with sending all these forms only to deny you the whole time. Was lied to right from one of their employees. Worst insurance company I have ever worked with. They will give you options for grievances and appeals and it is all bullshit. To waste your time!!!!!

Due to changes in insurance options implemented by the current government, I had to switch my health insurance for 2026. As a self-employed person, I purchase my insurance independently each year. Silver tiers are no longer available, leaving only Gold or Bronze plans.

I chose Ambetter because their Gold plan appeared to have a lower premium than my previous insurer. Within just two weeks, trying to access my prescribed medications turned into an incredibly stressful and time-consuming process. Coverage was repeatedly denied, prescription costs were significantly higher than advertised, and getting clear answers from customer service was nearly impossible.

Before January 15, I canceled Ambetter and returned to my previous insurance despite the higher premium. The amount of stress, uncertainty, and wasted time was not worth it.

I would strongly caution anyone considering Ambetter: expect coverage denials, higher-than-expected prescription costs, and poor customer service.

Worst insurance co available.. no doctors will take it.. the vision and dental are worthless as well.

They overcharged the fed x3 times the rate during the covid scam..

Its NOT A REPUTABLE COMPANY.. THEY REFUSE TO REFUND AS WELL.

THEY HONESTLY NEED TO BE INVESTIGATED.

Unfortunately there isn’t an option for zero stars. Horrendously inefficient with customer service. I’ve called four times to cancel. Each time they seem to sign me back up. Language barrier because apparently no one in the US can answer calls. Receiving constant bills and now phone calls. Useless company. Useless insurance. Not to mention my premium for a bronze plan went from $350 a month to trying to charge me over $1200. No wonder they can’t seem to “cancel” me.

Ambetter is awful. Denying existing pre-authorization for medically necessary medication. Violating Federal continuity-of-care obligations under the Affordable Care Act AND violating Florida Statute § 627.42393, which restricts the use of step-therapy protocols (to force cheaper treatments).

Last year 2025 received a phone call from Ambetter Health Plan. Thought this subsidy insurance was a positive investment. Was told by several people that it was not trustworthy.. SIx months of Free Insurance hmm. Never quoted three choice plans. Never received any Premium Payment Return Envelopes Used Buckeye Health as favored Health Plan ..Date of Experience was December 2025/Found those Tax Credits per month Now

I have marketplace health insurance. Last year I paid 11.05 a month since I got a tax credit. This year at my renewal my policy went to 154.00. I had NOT agreed or signed anything saying I wanted to go with Ambetter policy at renewal of 1/1/2026 well , they decidedd to take money out of my account for 209.00 on 12/16/2025 with out my authorization. I called on 12/17/2025 asked for a refund because I hadn't made a decision on the plan I was going to go with.. the rep said he would refund me it would take up to 7-10 business days. Well we are still waiting on that refund. I called first of january and the lady i was on phone with for an hour and half said it would take 14 businesses days for my refund. NOW we are up to 30 days because of all the refund ambetter has to get out.. NOT MY PROBLEM... my money is my money and I want it back... this is so frustrating..Please everytime you call you have to explain the whole situation over again and then get hung up on..

lying, scamming, cheating, stealing company. they stole my $185 dollar rewards for '25 before i could cash it in. won't give me my money. to top it all off, they terminated my insurance on 12/19 even though i paid my full automatic payment for the month like i did every month of the year. and then they lied saying that i had insurance until midnight on new years eve even though the email i got clearly said "YOUR INSURANCE HAS BEEN TERMINATED AS OF TODAY 12/19." what do you know, they wouldn't give me half of my monthly premium back. i also received a email in October that i was to expect a rebate check in the mail, you guessed it, never to be seen. stole MY money on 3 occasions. they only have foreigners answering the customer service calls and they never understand anything and are not professional at all. No wonder basically every doctor, dentist, and eye doctor do not take this insurance, I understand now. Do not use this so called company! they need to be abolished and looked into for fraud! comments don't lie, look at all the other reviews and comments on Facebook! its a shame their based in my state and city. makes it sting even more. they went bad and went bad fast!

no provider can be found in great Houston. What hell do you provide without any doctor in network?
I still do not receive refund after cancellation a month ago.

My insurance broker signed me up for Medicare December 16 and ✔️ ed the box to discontinue Ambetter. He called me today as I and 3-4 other clients were not discontinued and he went in to do it and they won't allow him. He called and I had to call marketplace. They will not back date the discontinued date to 12/31/25 so I have to wait on an escalation process and review. If approved they will back date stopping insurance. My review could take 30 days. The market place phone line states "Coverage DOES NOT start till I pay my premium". Obviously that's incorrect as my broker and marketplace employee both said they could take me to collections for a 2 week premium. This is absolutely wrong!!

What is really happening here? With hundreds of 1 star reviews on their worthless app and their lack of covering ANYTHING, it sure seem that this is purposely done because nothing EVER gets fixed. I pay $911 a month for what?? I am paying for all the people who get ins for free! I get NO benefit whatsoever having this fraudulent company for instructions! They know what they are doing and it is disturbing AF!

The service was SO bad. I tried to call the 24/7 Nurse Line that is stated on the back of my Ambetter card, and that number was incorrect. I was connected to the some other department and were so unhelpful to redirect me to the right place. I was redirected to 3 different phone numbers, and got help so late. In the admits of my medical state, I was not given the help/advise that I pay for and needed in that situation. It’s very disappointing and disheartening to receive this type of treatment when I am also going through physical pain.

In December 2025 they took out an auto payment of 10 times the amount it was supposed to be, the plan he had during 2025 was no longer available so I switched the plan and their system "did not take" the changes, on 12/22/25 I called and was told he was going to be refunded, that same day I switched the plan again. 1/7/26 still no refund and they claim he owes almost $600 because they left the higher tier insurance that costs almost $900 a month due to his cheaper plan not being available, convenient right?!?! I called today 1/7/26 and spoke with Carrie from member services and she was very polite but apart from processing the refund again was not able to help with the other matters, after being in the call with her for 27 minutes she transferred me to sales and Daniel picked up the call she did not explain to Daniel the reason for the call as I asked her to and Daniel sounded like he was in bed in his PJ's and had no desire to take anyone's call, I requested to speak to a supervisor and he said that they are too busy to take care of any customer, he put me on hold and came back a few minutes later, I requested the same thing again and he did the same thing once again put me on hold I was on the phone for a total of 44 minutes and 22 seconds and was not able to resolve anything.

This company is a scam! Very unhelpful reps and they double charge your credit card. I have been trying to have them reverse one of the charges for 3 weeks now! They keep saying give it 10 more days, but it has been escalated for 3 weeks already! I finally just disputed the charge with my credit card, Ambetter can deal with my CC company since they do not know how to resolve any issues. Makes me nervous if I have an actual claim (I have only had this garbage insurance company for about 2 months and it's already a disaster). Even the "managers" are a joke. They will take your money (twice) but they do not know how to put it back. Do yourself a favor and run the other way unless you enjoy dealing with incompetent, rude liars! And if you do decide to wreck your life and use this horrible company, make sure you put it on a credit card so you can dispute it later and then it is not coming out of your checking account.......because you may never see that money again!

This company is simply the WORST! They do not honor their promises. And they want to second guess the Doctors. My Dr. prescribed me a necessary medicine and they denied it and wanted me to try other medicine first - which I was SICK. I got SICKER because of this company.

Horrid company
Horrid customer service
This company works on very shady practices
I am surprised that they are allowed to do business at all

I am extremely disappointed with Ambetter Health. My insurance plan had already ended, yet they enrolled me in a new plan without my permission and charged my credit card through auto‑pay without any authorization. This is completely unacceptable and feels like a deliberate misuse of my payment information.
Trying to fix the issue has been frustrating and time‑consuming, and I still haven’t received a clear explanation for how they were able to charge me after my plan was finished. No customer should have to deal with unauthorized charges or surprise enrollments.
I would strongly caution anyone considering Ambetter—double‑check everything and monitor your billing closely.

Checked the site for Urgent Care places who accept my insurance. Received a bill almost 4 weeks after my visit telling me my insurance covered nothing. After talking on the phone with an agent, I was told the physician wasn't covered but the location is. The woman was the only physician there. I was still able to pay my copay during the visit and told everything was fine. Now the urgent care place is demanding payment right after the new year. I regret getting and paying for health insurance I clearly couldn't use.