Amerigroup Insurance Medicare Insurance Review & Complaints: Health Insurance (2024)

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Serving a scattered group of states in various corners of the country, Amerigroup Insurance Company offers state-sponsored health insurance plans. Their primary markets are seniors, low-income families, and people with disabilities.

This Amerigroup Medicare insurance review will cover the health plans and health benefits that are available as well as company ratings. We’ll provide information on how to get insurance quotes and more.

Before you buy insurance, be sure to shop around. Check out your options by entering your ZIP code into the quote box above for free rates.

Who is Amerigroup?

In 1994 the Americaid Community Care (or Amerigroup Community Care) program was founded to serve the needs to the network of children, mothers, and pregnant women who were enrolled in Medicaid. By 2001 they had become a publicly-traded company under the name Amerigroup. In 2006 the company began offering Medicare Advantage – Amerigroup plans to those who qualified for both Medicare and Medicaid, providing special needs plans. A year later, they moved into the standard market, although their primary focus remains on low income and special needs markets.

In 2012, Anthem acquired the insurer, and they now operate as a subsidiary. The company’s headquarters is in Virginia Beach, VA. They serve Washington, Nevada, Tennessee, Iowa, Kansas, Texas, Louisiana, Georgia, Florida, New Jersey, New Mexico, and Maryland, and recently moved into Mississippi as well. (For more information, read our Best Louisiana Medicare Advantage Companies & Plans“).

What policies are available?

The primary product is Medicare Advantage, although they also contract with the federal government to provide Medicaid and combined insurance plans as well. Currently, Advantage coverage is only offered in Tennessee, Texas, New Jersey, New Mexico, and Washington.

The company’s niche plans are SNP, or Special Needs Plans. There are special eligibility requirements for these plans.

What are the Amerigroup Medicare Advantage options?

Amerigroup Corporation offers several plans under the Amerivantage name. The available coverage varies by state.

In most states, the Classic HMO plan is offered. This health plan is a zero premium choice (beyond the regular Medicare Part B premium) and has no deductible. The copay for primary care physician visits differs by state but is in the $5-10 range. The plan includes dental care, vision care, and hearing coverage, and also includes coverage for Part D prescription drugs.

There are a few other options for doctor visits available to choose from depending on where you live. The Dual Coordination HMO SNP plan is offered in several states and is also a zero premium and zero deductible plan. This plan also has a $0 copay for primary care provider visits and includes dental, vision benefits, hearing, and prescription drugs as well.

We looked at a few of the other health coverages offered and found them all to be quite similar – $0 additional premium and no deductible. All appear to include dental, vision, and hearing, which is not always the case with these plans.

What other products do they offer?

Currently, the insurer only appears to offer the Medicare Medicaid Plan (MMP) in Texas. This combined coverage is designed to help those who qualify for both policies to get the most out of their healthcare.

Government-sponsored Medicaid plans are available in most markets. These include managed medical assistance for low income pregnant women and for children who qualify for state health care coverage.

There are no Amerigroup Medicare Supplement plans, but Part D coverage is available.

How much are their rates?

Most of the options we encountered on the website are $0 premium. This means that those who enroll do not pay anything beyond their regular Part B premium. This is not surprising given the markets at which it aims its products.

As a result, it is the service that is more important for comparison than their rates.

Amerigroup Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

When it comes to filing claims with Amerigroup Insurance, the process is primarily handled directly through healthcare providers. Unfortunately, there is no specific information provided about the ease of filing claims online or through mobile apps.

However, it’s important to note that as a Medicare Advantage and Medicaid plan provider, claims are typically processed by healthcare providers on behalf of the insured individuals.

Average Claim Processing Time

Amerigroup Insurance does not provide specific details regarding the average claim processing time on their website. Since claims are typically handled by healthcare providers, the processing time may vary depending on the specific provider and the nature of the claim.

Customer Feedback on Claim Resolutions and Payouts

While Amerigroup Insurance does not offer extensive customer feedback on their website, they do have an A- rating with the Better Business Bureau (BBB). Over the past three years, there have been a total of seven complaints registered against the company, with two of them being closed in the past 12 months.

However, finding comprehensive consumer reviews for Amerigroup Insurance can be challenging, making it difficult to gauge customer satisfaction with claim resolutions and payouts.

Digital and Technological Features of Amerigroup

Mobile App Features and Functionality

Amerigroup Insurance does not provide detailed information about their mobile app features and functionality on their website. It’s advisable for policyholders or those considering their insurance products to check directly with Amerigroup to learn more about the features and capabilities of their mobile app.

Online Account Management Capabilities

Details about Amerigroup Insurance’s online account management capabilities are not readily available on their website. Policyholders are encouraged to contact the company directly or explore their online platform to discover the full range of online account management features and options.

Digital tools and Resources

Amerigroup Insurance does not offer specific information about digital tools and resources on their website. To access digital tools and resources that may be available to policyholders, individuals are advised to visit Amerigroup’s official website or contact their customer service for more information.

Are ratings and consumer reviews positive?

The company has an A- rating with the Better Business Bureau (BBB). There have been a total of seven complaints registered against the company in the past three years. Two of those were closed in the past 12 months.

We had a hard time finding much in the way of consumer reviews of this company. The official rating for this company for 2017 is three stars, which is a bit lower than we would like to see. The lack of complaints, however, is generally good news.

What’s the bottom line?

The company caters to a fairly specific market, although their plans are available to anyone who qualifies. With little information to go on in terms of their service and reputation, forming a clear opinion of them is difficult. They do offer low-cost options with added value available on their Advantage plans, and will likely be of interest to those on a tight budget. If you have special health care needs, Amerigroup has programs to help you get the care and services for your health condition.

Affordable insurance may be a good choice for you, but you should always see what else is available.

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