Disclaimers

Ambetter Health is the brand name used for products and services provided by one or more of the wholly owned subsidiaries of Centene Corporation, who are Qualified Health Plan issuers in the states indicated at ambetterhealth.com. Health benefits and health insurance plans contain exclusions and limitations. This is a solicitation for insurance © Copyright 2024 Centene Corporation, centene.comExternal Link. All rights reserved. If you, or someone you’re helping, have questions about any of the Ambetter Health Insurance Marketplace offerings, and are not proficient in English, you have the right to get help and information in your language at no cost and in a timely manner. If you, or someone you’re helping, have an auditory and/or visual condition that impedes communication, you have the right to receive auxiliary aids and services at no cost and in a timely manner. To receive translation or auxiliary services, please contact the Member Services for your specific Health Plan by electronic mail or by phone by referencing the Health Plan Contact Information located at the state-specific link on ambetterhealth.com. For more information on your right to receive an Ambetter Health Plan free of discrimination, or your right to receive language, auditory and/or visual assistance services, please visit ambetterhealth.com and scroll to the bottom of the page.

The benefits, rates and costs listed in these advertisements are illustrative and are based on a specific household size, specific age, smoker status, and in a specific Ambetter coverage area. No person should send money to an issuer of Ambetter Health Insurance in response to this national advertisement. Likewise, no person can obtain coverage under Ambetter Health Insurance until an application for coverage is completed. It should be noted that Ambetter Health Insurance policies have exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. Ambetter Health Insurance policies also contain provisions relating to renewability, cancellability, and termination, and may include provisions for modification of benefits, losses covered or premiums because of age or for other reasons. For costs and complete details of coverage, call or write your insurance producer or the company, whichever is applicable. Additional information is available in the Evidence of Coverage, please visit ambetterhealth.com and scroll to appropriate state.

Additional information is available in the Evidence of Coverage.

Coverage is subject to all requirements, limitations and exclusions for your health benefit plan.

Ambetter complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

Additional information is available in the Evidence of Coverage.

Select your state for more information.

For some plans.

Cost sharing may apply when using Virtual 24/7 Care. Virtual 24/7 Care cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 Care program. Ambetter Health does not provide medical care. Medical care is provided by individual providers which are independent contractors and not agents of Ambetter Health.

Ambetter Health does not provide tax advice. Please consult your tax advisor for additional information. Health Savings Accounts (HSAs) are individual brokerage accounts and the taxpayer is responsible for use of the account.

Ambetter is committed to keeping your race, ethnicity, and language (REL), and sexual orientation and gender identity (SOGI) information confidential. We use some of the following methods to protect your information:

Maintaining paper documents in locked file cabinets
Requiring that all electronic information remain on physically secure media
Maintaining your electronic information in password-protected files

We may use or disclose your REL and SOGI information to perform our operations. These activities may include:

Designing intervention programs
Designing and directing outreach materials
Informing health care practitioners and providers about your language needs
Assessing health care disparities

We will never use your REL and SOGI information for underwriting, rate setting or benefit determinations or disclose your REL or SOGI information to unauthorized individuals.

Language Services and Resources Interpreter and translation services are provided for free. For an interpreter for a medical visit, contact Member Services. If you need something translated into a language other than English, call us. We can also provide other formats, such as Braille, CD, or large print.

Statistical claims and the #1 Marketplace Insurance statement are in reference to national on-exchange marketplace membership and based on national Ambetter data in conjunction with findings from 2024 Rate Review data from CMS, 2024 State-Level Public Use File from CMS, state insurance regulatory filings, and public financial filings. 

Ambetter contracts with health care professionals to provide our members with the full range of covered benefits, including primary care providers, specialists, telehealth providers, mental health and behavioral health providers, and hospitals. These providers of health care services are called in-network providers. Throughout the year, the providers available in-network may change. It is important that you check the provider search engine for the latest information on whether the provider you are planning to see is in-network.* If you discover an error in the provider search engine results, or if a provider listed in the search engine results tells you that they do not accept our insurance or are not taking new patients, please promptly report the matter to us through the “suggest an edit” feature in the search engine or by contacting Member Services, so we can address the matter. Because most providers and facilities are independently owned and operated, we do not control their schedules and cannot control when they may be able to see you, and they may not update us when their availability or other information changes. As a result, it may be necessary for you or us to contact multiple network providers to find one that can see you on the schedule that works for you, in consultation with your network Primary Care Physician. If you need assistance or would like our help finding an available network provider, please contact Member Services, which is available to help. Member Services can be contacted at the phone number on the back of your Ambetter Member ID Card or through your account online.

*When receiving care at an in-network Ambetter hospital, some hospital based providers may not be in-network. For example, you may receive services from anesthesiologists, radiologists, pathologists, or emergency service providers that are not contracted with Ambetter. While an in-network hospital’s emergency department may be contracted with Ambetter, the providers within the department may not be. As a result, these out-of-network hospital based providers may bill you for the difference between what Ambetter pays them and their total bill – this is known as surprise “balance billing.” We encourage you to ask providers if they participate with Ambetter before they treat you, so you know whether or not you may receive a bill for their services. For more information, contact Member Services. If you do receive a surprise balance bill please contact the customer service number on your Member ID card so we can assist you in resolving the issue.

If a provider does not accept Ambetter insurance, they are referred to as out-of-network. If you receive non-emergency services from an out-of-network provider, you may be responsible for the entire cost of the medical bill, unless otherwise required by state or federal regulations. To take full advantage of your Ambetter coverage, it is important to only use in-network providers. For more information, please review your Evidence of Coverage (EOC) or contact Member Services.

Ambetter Health is the brand name used for products and services provided by one or more of the wholly owned subsidiaries of Centene Corporation, who are issuers in the states indicated at AmbetterHealth.com. Health benefits and health insurance plans contain exclusions and limitations. This is a solicitation for insurance © 2024 Centene Corporation, centene.comExternal Link. All rights reserved. If you, or someone you’re helping, have questions about any of the Ambetter Health offerings, and are not proficient in English, you have the right to get help and information in your language at no cost and in a timely manner. If you, or someone you’re helping, have an auditory and/or visual condition that impedes communication, you have the right to receive auxiliary aids and services at no cost and in a timely manner. To receive translation or auxiliary services, please contact Member Services for your specific Health Plan by phone by referencing the Health Plan Contact Information located at the state-specific link on AmbetterHealth.com. For more information on your right to receive an Ambetter Health plan free of discrimination, or your right to receive language, auditory and/or visual assistance services, please visit AmbetterHealth.com and scroll to the bottom of the page.

Cost sharing may apply when using Virtual 24/7 Care. Virtual 24/7 Care cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 Care program. Ambetter Health does not provide medical care. Medical care is provided by individual providers which are independent contractors and not agents of Ambetter Health.

My Health Pays® Rewards Program

Healthcare-related costs will vary by member and the plan in which you are enrolled. Funds expire immediately upon termination of insurance coverage. My Health Pays® rewards cannot be used for pharmacy copays, except at Walmart.