What is Ambetter Insurance?

Ambetter Insurance is a health insurance provider that offers coverage for individuals and families. It is one of many options available on the healthcare marketplace created by the Affordable Care Act.

Overview

Ambetter Insurance is a managed care organization (MCO) that connects individuals and families with a variety of healthcare services. This includes primary care physicians, hospitals, specialists, pharmacies, and more. Ambetter is known for offering a range of coverage options with different levels of deductibles, coinsurance, and out-of-pocket maximums.

Ambetter Insurance is owned by the Centene Corporation, a Fortune 500 company that specializes in providing healthcare services to government-sponsored programs. Centene operates in 25 states and has over 22 million members across the United States.

Benefits of Ambetter Insurance

Ambetter Insurance offers a range of benefits for individuals and families, including:

Coverage Options

Ambetter Insurance offers a range of coverage options, including:

Ambetter Balanced Care

The Ambetter Balanced Care plan is a popular option for many individuals and families. This plan has a moderate deductible and out-of-pocket maximum, and includes coverage for many preventive care services at no additional cost.

Ambetter Secure Care

The Ambetter Secure Care plan is designed for individuals who need more comprehensive coverage. This plan has a higher deductible and out-of-pocket maximum, but includes coverage for many specialty services, such as physical therapy and mental health care.

Ambetter Essential Care

The Ambetter Essential Care plan is the most affordable option offered by Ambetter. This plan has a very low monthly premium, but has a high deductible and out-of-pocket maximum. It is a good option for individuals who do not anticipate needing many healthcare services in a given year.

Frequently Asked Questions

What is the healthcare marketplace?

The healthcare marketplace, sometimes called the health insurance exchange, is a website created by the Affordable Care Act to help individuals and families find and enroll in health insurance plans. The marketplace offers a variety of plans from different companies, including Ambetter Insurance.

How do I enroll in an Ambetter Insurance plan?

To enroll in an Ambetter Insurance plan, you must first visit the healthcare marketplace website for your state. From there, you can browse different plans and compare prices and coverage options. Once you have selected a plan, you can enroll directly through the marketplace website.

What is a deductible?

A deductible is the amount of money you must pay out-of-pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and receive a medical bill for $2,000, you must pay the first $1,000 of the bill before your insurance will cover the remaining $1,000.

What is coinsurance?

Coinsurance is the percentage of medical costs you must pay after you have met your deductible. For example, if you have a 20% coinsurance and receive a medical bill for $1,000 after you have met your deductible, you will pay $200 (20% of $1,000) and your insurance will cover the remaining $800.

What is an out-of-pocket maximum?

An out-of-pocket maximum is the most you will have to pay for healthcare services in a given year. Once you have reached your out-of-pocket maximum, your insurance will cover 100% of any additional costs for the rest of the year.

What is a copay?

A copay is a fixed amount you pay for certain medical services, such as a doctor’s visit or a prescription medication. Copays are typically $20-$50 per service, depending on your plan.

Conclusion

Ambetter Insurance is a popular health insurance provider that offers a range of coverage options for individuals and families. With its affordable plans, wide network of healthcare providers, and coverage for many preventive care services, Ambetter Insurance is a good option for anyone looking to purchase health insurance on the healthcare marketplace.