Ambetter Health Insurance: A Disastrous Experience

When it comes to health insurance, Ambetter is infamous for its poor service and erratic operations. As a medical professional, I have firsthand experience in dealing with the myriad of issues that arise due to their unprofessionalism. In this article, we will delve into why Ambetter should not be trusted, the consequences patients face, and why universal healthcare is a more rational and effective solution.

Customer Experiences with Ambetter

The response and experience shared by individuals like me who use Ambetter health insurance are nothing short of alarming. Many have expressed their frustration and dissatisfaction, emphasizing that the company is underperforming in every aspect. One patient stated:

They are absolutely horrible. I'm sick of them. Everyone there needs to be fired. They should be closed down.

Another individual echoed this sentiment, expressing a similar sentiment of disrespect and an environment of chaos:

They're idiots. Nobody seems to know anything. You get the run around from everyone, and you get lied to.

Many people are so disgusted by their experiences with Ambetter that they are warning others to stay away at all costs. The message is clear: Never use Ambetter health insurance.

Ambetter’s Misleading Practices and Poor Customer Service

As a healthcare provider, I can attest to the troubling and unethical practices of Ambetter. Patients are often mislead and it is discovered that services were unauthorized and unjustly denied. A fellow healthcare professional shared his experience with the company, explaining:

Ambetter is a shady company. They sign people up without their knowledge and then don't cover services. I am constantly having to tell my patients that they are not covered and have to discontinue services to them.

Another negative aspect of Ambetter is the representation of coverage during the purchasing process. A person bought a plan for an “insane amount of money” only to find out that it did not cover essential medications:

Ambetter misrepresented my coverage. They have fought and denied every single medication. It is horrifyingly bad. The representatives either have thick accents or a bad connection and don't understand my concerns. They are not accepting the authorizations my physician is sending to them and have demanded that my doctor speak with them on the phone.

The Need for Universal Healthcare

One of the most crucial reasons to abandon Ambetter and other similar health insurance providers is the overwhelming support for universal healthcare. Many developed countries have implemented universal healthcare, and it is widely recognized as an effective solution:

Every other developed country has implemented it and for all of them, it works better than the United State's unorganized and scrambled 'system.'

Universal healthcare is not “insurance” in the traditional sense. It is a system where healthcare services are funded by the government and delivered by professionals. In contrast, traditional health insurance is a risk management system designed to profit:

True insurance is based on risk. The more risk of the client, the higher the client's premiums. For example, women tend to have more healthcare needs than men. Universal healthcare at least in Canada is simply a matter of government paying for medical services for its citizens. Healthcare services are provided by healthcare professionals paid for by the government. In the American system, healthcare services are provided by professionals subject to the insurance systems, which decide what diagnoses and treatments will be provided, paid for by the insurer.

The primary purpose of universal healthcare is to provide healthcare/medical services to citizens, whereas the primary purpose of the insurance risk management system is to manage the gap between premiums and claims. This results in a significant amount of money being taken out of the system to pay for administrative costs, executive salaries, bonuses, and dividends, and for the return on investments to investors – i.e., profits.

As a result, the American system loses billions of dollars every year, further highlighting the inefficiency and unresponsiveness of traditional health insurance providers like Ambetter compared to the more rational and equitable model of universal healthcare.

Conclusion

In conclusion, Ambetter and similar health insurance providers should be avoided at all costs. The customer service, representation of coverage, and overall performance are beyond unacceptable. Universal healthcare offers a more just, efficient, and effective solution for the provision of healthcare services. It prioritizes the health and well-being of citizens over corporate profits, offering a level of care that is unmatched by traditional insurance models.