AmeriHealth Insurance Review & Complaints: Health Insurance (2024)
AmeriHealth specializes in individual and group health care plans. Our AmeriHealth review finds the insurance company with a dismal F rating by the Better Business Bureau for failure to respond to complaints.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
AmeriHealth is a family of companies offering health insurance plans in specific regions, as well as Medicare, plans in several states across the country. They also have a branch offering worker’s compensation coverage.
We can help in finding the right health insurance for you, you can use our free insurance quote comparison tool above by entering your ZIP code.
What is AmeriHealth?
Amerihealth was founded in 1995 as Delaware Valley HMO and originally served a small portion of Pennsylvania. They expanded over the next few years into New Jersey. Today they operate as a subsidiary of Independence Blue Cross.
The company offers individual and group health insurance coverage with both HMO and PPO plans. The family of companies also includes Amerihealth Caritas— including Amerihealth Caritas Louisiana and Amerihealth Caritas Pennsylvania— for Medicare and Medicaid-managed care and Amerihealth Casualty which writes workers compensation insurance for businesses. Caritas programs are available in several states, although not nationwide.
The company’s headquarters are located in Cranbury, New Jersey, although they have offices across the coverage area. Health insurance plans are sold through brokers and independent agents.
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What products does AmeriHealth offer?
Amerihealth New Jersey and AmeriHealth Pennsylvania offer a selection of health insurance plans for individuals, as well as group health plans. Managed care for Medicare and Medicaid and worker’s compensation are sold through separate companies.
AmeriHealth Health Insurance
In order to find information on the health plans offered by AmeriHealth, we had to visit the broker page, as the member’s page is aimed at those who already have health coverage.
AmeriHealth offers many high-quality plans, with EPO and HMO options at the bronze, silver, and gold levels. There is also a Catastrophic Simple Saver plan that is available to provide a high deductible, low-cost health care coverage option for those who do not expect to require a lot of regular care for chronic medical condition management and wish to limit out of pocket medical costs in the case of a serious illness.
At the Bronze level, there are three EPO choices: AmeriHealth Advantage, Tier 1 Advantage, and the Local Value/Regional Preferred network choice, which is also offered with an HSA. Copays with these plans are $25 for primary/$50 specialists, and $50/$75, respectively. The Catastrophic Simple Saver plan has a $30 copay for primary and preventative care visits, while urgent care and all others are subject to the deductible.
The Silver Level is the most comprehensive, with six plans to choose from. These include several EPO networks, three with an HSA, and one HMO option. Copays start at $15/35 for the EPO Advantage plan, with a variety of other copay and coinsurance options across the other plans. The one HMO option has a $50 primary and $75 specialist copay.
The Gold plan options include three EPOs and one HMO. Copays for these plans are as low as $10 for primary and preventative care and $20 for specialists. The HMO option has $15/$30 copays for primary/specialist. The Gold plans feature the lowest deductibles, as low as $1,000 individual.
Due to the large selection of plan options available, choosing the right plan based on a combination of cost and benefits is best done with the assistance of a broker. The range of plans appears to provide an option to meet most budgets and needs.
AmeriHealth Dental and Vision
AmeriHealth offers two dental plans. One is pediatric dental-only, and the other is pediatric dental with the addition of adult preventative care.
There are three vision plans offered. The three levels of adult vision care cover eye exams at 100% and offer different levels of coverage for other services and for eyeglasses and contacts.
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AmeriHealth Caritas
AmeriHealth Caritas writes Medicare and Medicaid managed plans that include Medicare Advantage.
Plans vary from state to state as well as based on eligibility. Among the options are specific plans for those with special needs as well as for those qualified for both Medicare and Medicaid.
Read more: Medicare Coverage: An Expert Guide
AmeriHealth Casualty
The AmeriHealth Casualty program offers a range of services for businesses including medical management, loss prevention, and worker’s compensation.
Are AmeriHealth rates affordable?
AmeriHealth has an easy to read chart for health insurance rates, listing costs for each of the various plans based on age. The chart starts with one rate for ages 0-20 and then goes by age yearly from there.
We were unable to find specific family rates, however, there is a system for calculating it; the chart instructs the reader to add up the rate for each person up to three children. After three, no additional premium is charged for adding more children to the health care plan.
Although rates are readily available, the wide variety of plans and difference by age, family composition, and even location makes it difficult to provide any sort of comparison to other insurance companies. It is nice to see that anyone can calculate their rate without having to make contact with an agent or enter personal information.
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Amerihealth Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
AmeriHealth offers multiple options for filing insurance claims, providing convenience and flexibility to policyholders. You can file a claim with AmeriHealth through their online portal, over the phone, or by using their mobile app. This multi-channel approach ensures that policyholders can choose the method that best suits their preferences and needs.
Average Claim Processing Time
AmeriHealth doesn’t provide specific information on its website about the average claim processing time. The speed of claim processing can vary depending on the complexity of the claim and the documentation provided. It’s advisable to contact AmeriHealth’s customer service for more details on the typical claim processing times for different types of claims.
Customer Feedback on Claim Resolutions and Payouts
AmeriHealth’s customer feedback on claim resolutions and payouts appears to be mixed. While specific customer reviews are not included in the provided content, it is mentioned that the company has received a dismal F rating from the Better Business Bureau (BBB) for its failure to respond to complaints.
Additionally, on Consumer Affairs, the majority of ratings are negative, with complaints related to issues such as failure to pay claims and poor customer service. It’s essential for potential policyholders to consider this feedback when evaluating AmeriHealth’s claim resolution and payout processes.
Amerihealth Digital and Technological Features
Mobile App Features and Functionality
AmeriHealth offers a mobile app that allows policyholders to access their insurance information and manage their accounts on the go. However, the content does not provide specific details about the features and functionality of the app. To learn more about the capabilities of AmeriHealth’s mobile app, individuals should download the app and explore its features directly from their respective app stores.
Online Account Management Capabilities
AmeriHealth provides online account management capabilities, allowing policyholders to access and manage their accounts through a web portal. Unfortunately, the content does not elaborate on the specific features of the online account management system. Policyholders interested in utilizing this service can register for an online account on AmeriHealth’s website to explore the available capabilities.
Digital Tools and Resources
The content does not provide detailed information about the digital tools and resources offered by AmeriHealth. However, it’s common for insurance companies to provide online resources such as educational materials, health and wellness resources, and tools for estimating healthcare costs.
To access AmeriHealth’s digital tools and resources, individuals can visit the company’s website or contact their customer service for more information.
How are the ratings and consumer reviews for the company?
AmeriHealth has a dismal rating of F on the Better Business Bureau (BBB) which is very unusual to see. Although the complaint volume is actually low – only 14 in the past three years – the BBB has given the lowest available rating due to the failure of AmeriHealth to respond to any of those 14 complaints.
AmeriHealth has 87 ratings on Consumer Affairs, the vast majority of which are negative. Many of the complaints regard failure to pay claims and a lot of run-around from customer service. There are a few scattered positive reviews, but of 87 star ratings, 81 are only one star.
While the overall number of complaints is low, it can be discouraging to see a company that fails to respond to complaints, particularly those filed with the BBB, which are usually dealt with swiftly.
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What’s the bottom line?
AmeriHealth has a good selection of health plan options available to those in New Jersey and Pennsylvania. The failure to respond to complaints with the BBB, however, gives us pause regarding this company’s reputation. They may be worth further investigation, but we would like to see them handle their current complaint volume before we can recommend them.
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Frequently Asked Questions
What is AmeriHealth Insurance?
AmeriHealth Insurance is a health insurance provider that offers a range of health plans for individuals, families, and businesses.
What types of health insurance plans does AmeriHealth offer?
AmeriHealth offers a variety of health insurance plans, including HMO, PPO, EPO, and POS plans. They also offer Medicare Advantage plans and Medicaid plans in certain states.
How do I find out if my doctor is in AmeriHealth’s network?
You can use AmeriHealth’s provider directory on their website to search for healthcare providers in their network.
What is the enrollment process for AmeriHealth’s health insurance plans?
You can enroll in AmeriHealth’s health insurance plans during the annual open enrollment period or during a special enrollment period if you have a qualifying life event, such as losing your job-based health coverage or getting married.
What are the benefits of choosing AmeriHealth for my health insurance?
Some benefits of choosing AmeriHealth for your health insurance may include access to a large network of healthcare providers, a range of plan options to choose from, and tools and resources to help you manage your health and wellness.
How do I file a claim with AmeriHealth?
You can file a claim with AmeriHealth by submitting a claim form online or by mail. You may also be able to submit claims electronically through your healthcare provider.
How can I contact AmeriHealth for customer service or support?
You can contact AmeriHealth’s customer service department by phone or email. You can also log in to your account on their website to access additional support resources.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.