A Guide to Ambetter Insurance in Texas

Ambetter Insurance is a health insurance provider that offers coverage in Texas through the Health Insurance Marketplace. If you’re looking for health insurance in Texas, you may have come across Ambetter and wondered what it has to offer. In this article, we’ll explore everything you need to know about Ambetter Insurance in Texas.

What is Ambetter Insurance?

Ambetter Insurance is a health insurance provider that is part of the Centene Corporation, a Fortune 50 company. It offers a range of affordable health plans that meet the needs of individuals and families. Ambetter Insurance is available in many states across the country, including Texas.

Ambetter Insurance offers a variety of health plans that cover essential health benefits, such as:

Essential Health Benefits
Description
Ambulatory patient services
Care you receive without being admitted to a hospital
Emergency services
Care you receive for an emergency medical condition
Hospitalization
Care you receive as an inpatient in a hospital
Laboratory services
Services provided by a medical laboratory
Maternity and newborn care
Care you receive during pregnancy and childbirth, and care for your newborn baby
Mental health and substance abuse disorder services
Counseling and treatment for mental health and substance abuse disorders
Prescription drugs
Medications prescribed by a doctor to treat an illness or condition
Rehabilitative and habilitative services and devices
Services and devices to help you recover from an injury or disability, or to help you learn to live with a disability
Preventive and wellness services and chronic disease management
Screenings, check-ups, and counseling to prevent illnesses, disease management programs for chronic conditions, and vaccinations

These essential health benefits are required by the Affordable Care Act (ACA), also known as Obamacare.

Ambetter Health Plans Available in Texas

Ambetter Insurance offers a variety of health plans in Texas, including:

Ambetter Balanced Care

Ambetter Balanced Care is a Bronze level health plan. Bronze plans typically have the lowest monthly premiums but higher out-of-pocket costs when you use healthcare services. This plan may be a good option if you’re generally healthy and don’t expect to need many healthcare services during the year.

Ambetter Secure Care

Ambetter Secure Care is a Silver level health plan. Silver plans typically have higher monthly premiums but lower out-of-pocket costs when you use healthcare services. This plan may be a good option if you expect to need some healthcare services during the year.

Ambetter Balanced Care 29

Ambetter Balanced Care 29 is a Catastrophic level health plan. Catastrophic plans have the lowest monthly premiums but high out-of-pocket costs. This plan may be a good option if you’re under 30 years old or you qualify for a hardship exemption.

FAQs About Ambetter Insurance in Texas

Q: How do I qualify for Ambetter Insurance in Texas?

A: To qualify for Ambetter Insurance in Texas, you must enroll in a health plan through the Health Insurance Marketplace during the open enrollment period. You may also qualify for a special enrollment period if you experience a qualifying life event, such as losing your job or getting married.

Q: Can I keep my current doctor if I enroll in an Ambetter health plan?

A: It depends on whether your doctor is in the Ambetter insurance network. You can search for doctors in the Ambetter network on the Ambetter website. If your doctor is not in the network, you may need to switch to a different doctor or pay more for out-of-network care.

Q: Are there any penalties if I don’t have health insurance in Texas?

A: Yes, there are penalties if you don’t have health insurance in Texas. The penalty for not having health insurance in Texas is 2.5% of your household income or $695 per adult and $347.50 per child under 18, whichever is higher.

Q: How can I enroll in an Ambetter health plan in Texas?

A: You can enroll in an Ambetter health plan in Texas through the Health Insurance Marketplace. You can apply online, by phone, or in person with the help of a licensed insurance agent or navigator. The open enrollment period for 2021 health plans in Texas is November 1, 2020 to December 15, 2020.

Q: How much does Ambetter Insurance cost in Texas?

A: The cost of Ambetter Insurance in Texas depends on several factors, including your age, where you live, and the level of coverage you choose. You can use the Ambetter website to get a quote for health insurance in Texas.

Conclusion

Ambetter Insurance offers affordable health plans that cover essential health benefits in Texas. If you’re looking for health insurance, Ambetter may be a good option to consider. Don’t forget to enroll in a health plan during the open enrollment period to avoid penalties for not having health insurance. We hope this guide has been helpful in answering your questions about Ambetter Insurance in Texas.