Both BCBS and Ambetter health insurance plans come in bronze, silver and gold categories, allowing consumers to choose which plan works best for them. Ambetter: Coverage LimitsĬoverage limits can vary significantly between plans because different people have different budgets and health concerns. Older people, who have a higher likelihood of illnesses, will likely pay more for health insurance. Generally, younger people who are healthy and don’t have smoking or drinking habits enjoy relatively affordable health insurance plans. Health habits (e.g., smoking, drinking).Health insurance companies use the following factors to calculate your monthly premium and out-of-pocket costs: However, Ambetter does highlight a teladoc network of over 3,100 licensed healthcare professionals with an average of 20 years experience. More than 90% of doctors and specialists in all 50 states accept BCBS coverage.Īmbetter does not disclose how many providers are within their network but it is likely smaller because they only serve 26 states. Blue Cross Blue Shield Vs Ambetter: In-Network ProvidersīCBS claims to have the largest health insurance provider network with more than 1.7 million contracted doctors and hospitals nationwide. Ambetter does not sell Medicare plans, but these plans are available through Wellcare, a subsidiary under a shared parent company, Centene. Standalone vision and dental plans for adults by Ambetter are not sold in Washington, New Mexico and New Jersey. For example, BCBS does not sell MA plans in Alaska, Mississippi or Wyoming. Keep in mind that availability can vary based on the type of health insurance plan. BCBS individual and family health insurance plans are available in all 50 states, while Ambetter plans are only available in the following states: When it comes to availability, BCBS wins. * MA plans are sold under the Wellcare brand, which is also under the Centene umbrella Blue Cross Blue Shield Vs Ambetter: Plan Availability However, its parent company, Centene corporation, sells all types of health plans, such as MA plans through Wellcare. Consumers can purchase individual and family plans, standalone vision and dental insurance plans and Medicare Advantage (MA) plans through BCBS.Īmbetter’s selection of health plan structures is limited, offering only individual and family plans plus dental and vision benefits. Get Health Insurance Quotes From Top Carriers Blue Cross Blue Shield Vs Ambetter: Plan StructuresīCBS comes out on top when it comes to available health insurance plan structures. > Click to read our full Ambetter review. Standalone dental and vision plans available No mobile app for policy management (teladoc only) > Read our full Blue Cross Blue Shield review. Rated highest in customer satisfaction with commercial health plans in several regions Medicare Advantage plans not available in all states Mobile app (teladoc only), online account, phoneĪvailable in 50 states and accepted by 90% of doctors and specialists HMO, PPO, CDHP, EPO, FSA, HMO-POS, Indemnity, HSA, Medicaid, Medicare, POS
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