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Quick Reference Guide
About Your Plan
This is a guide to your Ambetter of Tennessee plan. It is aimed to help you take charge of your health and get the most out of your benefits.
Your Primary Care Physician
Your Primary Care Physician (PCP) is your main physician or provider that helps you with your basic medical needs. To view or change your PCP, go to Guide.AmbetterHealth.com.
Make sure your PCP is in-network. This means the doctor, pharmacy, or facility is included in the Ambetter Health network. Always use in-network services and physicians to prevent additional costs.
Ways to Pay
- Log in to your Online Member Account to make a payment or set up automatic bill pay.
- Make a payment in the Ambetter Health mobile app.
- Make a one-time payment.
For more ways to pay, visit AmbetterofTennessee.com. After your first month’s premium is paid in full, you will receive your Welcome Packet and Member ID Card(s).
Create Your Online Member Account
Set up your secure account at Member.AmbetterHealth.com.
- Access all your plan details
- Save your digital member ID Card
- Search for care
- View your claims
Download the Ambetter Health App
Scan the QR code or log in online at AmbetterHealth.com/Connect
Where to Go for Care
From primary care to urgent care and virtual medicine, you have options with Ambetter Health.
Primary Care Physician (PCP)
Your PCP is your main physician and your first choice for care.
Virtual 24/7 Care*
Talk to a doctor online or over the phone. Get the care you need anytime, anywhere.
Urgent Care
Go to an Urgent Care Clinic if you need immediate care and your PCP is unable to see you. You do not need an appointment.
Emergency Room (ER)
If you have a medical emergency, do not wait! Call 911 or go straight to the ER.
Learn more about the care options available to you at AmbetterHealth.com/CareOptions.
Stay Healthy and Stay Well
Get the most from your Ambetter Health insurance with our health and wellness benefits. As an Ambetter Health Member, you have access to:
Mental & Behavioral Health Services
Your plan includes mental and behavioral health services. You can also access services through Virtual 24/7 Care.
Preventive Care
Be sure to schedule your annual wellness exam with your in-network PCP.
Ambetter Member Perks
Save on health products and services with our discount program.
My Health Pays® Rewards Program**
Use it to help pay for healthcare related costs, monthly bills, and more. Access My Health Pays through your Online Member Account.
A Trusted Physician Network
Access a range of physicians, medical facilities, and hospitals.
Prescription Drug Coverage
Get brand and generic drugs, delivered to your door.
Benefits for Members With Diabetes
Members may have access to $0 copays on preferred insulin,certain medications, supplies, labs and clinical support tohelp manage their diabetes.
Learn more about your perks and programs at AmbetterofTennessee.com/Benefits. Read about your coverage details in your Evidence of Coverage at AmbetterofTennessee.com/Plans.
Member Services
Not a member yet? Enroll at Enroll.AmbetterHealth.com.
Free Interpreter Services
If you need information in languages other than English, call Member Services.
Interpreter services allow you and your physician to talk about your medical or behavioral health concerns in a way that is most comfortable for you. Members who are blind or visually impaired and need help with interpretation can call Member Services for an oral interpretation.
Enrollment Information
If you enroll through the Health Insurance Marketplace each year, you must update or choose a new Health Plan. You can do this during open enrollment or during a special enrollment period if you have a life changing event.
- Go to Enroll.AmbetterHealth.com
- Visit HealthCare.gov
- Call Marketplace at 1-800-318-2596 (TTY: 1-855-889-4325)
These services are available 24 hours a day, 7 days a week (except holidays).
Need help or have questions?
Call us at: 1-833-709-4735 (Relay 711). We are available Monday through Friday, 8 a.m. to 8 p.m. local time.
Find more information online. Visit: AmbetterofTennessee.com.
Ambetter of Tennessee is underwritten by Celtic Insurance Company which is a Qualified Health Plan issuer in the Tennessee Health Insurance Marketplace. This is a solicitation for insurance. ©2025 Celtic Insurance Company, AmbetterofTennessee.com. If you, or someone you’re helping, have questions about Ambetter of Tennessee, 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 at 1-833-709-4735 (Relay 711). For more information on your right to receive an Ambetter of Tennessee 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 cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 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.
**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.
Restrictions apply. Members must qualify for and complete all activities to receive $500 or more. Visit Member.AmbetterHealth.com for more details. Your health plan is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all members. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact us at 1-833-709-4735 (Relay 711) and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status.