Molina Healthcare Review & Complaints: Health, Medicare & Medicaid Insurance (2024)
Molina Healthcare review quotes for a single 30-year-old with an income of $50,000 range from $173/mo for the Bronze Plan to $294 for the Platinum Plan. You can receive a quote by filling out a form. Molina Healthcare Insurance plans are connected with state or federal-run programs such as Medi-Cal, Medicaid, and Medicare.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
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
- Molina Healthcare Insurance offers many medical insurance plans
- Some of their plans work in association with federal programs like Medi-Cal, Medicaid, and Medicare
- Quotes for Molina Healthcare Insurance can be received by filling out a form
California-based Molina Healthcare is an HMO offering a range of plans across several states. They not only offer health insurance but also run medical clinics as well as offering managed care. But is Molina healthcare good? How are Molina reviews? We will answer those questions in our review of Molina Healthcare.
If you are interested in learning more, then read our Molina Healthcare Insurance health insurance review below. Being informed will help you find affordable Molina Healthcare Insurance health insurance for your status. Be sure to also compare rates from top insurance companies by entering your ZIP code into our free comparison tool above.
What is Molina Healthcare?
Molina’s namesake, C. David Molina, worked as an emergency room physician in Long Beach, CA when he started his own medical clinic to help low-income patients receive access to care regardless of their ability to pay. Founded in 1980, Molina grew over the years, and in 1997 expanded through acquisition into Utah and Michigan. Continued expansion brought the company into several other states. The company went public in 2003.
Molina health care services offers Marketplace affordable health insurance plans, Molina Medicare, and Medicaid options across most of its service areas, although not all plans are offered in all states. Molina today is a Fortune 500 company and covers more than 3.5 million people. In keeping with their founder’s goal of helping low-income patients, many of the plans offered are in conjunction with state-sponsored or federal programs.
Molina also participates in the marketplace, offering individual and family plans at all levels.
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What Molina health plans are available?
Molina Healthcare’s plans vary from state to state, so for the purpose of our Molina review, we will look at the plans offered in California, the company’s home state. Many of the insurer’s California plans are connected with state or federal-run programs such as Medi-Cal, Medicaid, and Medicare. Read on for more information and Molina Health Plan reviews. We will later provide Molina Health Insurance reviews from various states. This will help better answer the question: Is Molina good insurance?
Medi-Cal
Molina partners with the state of California to offer Medi-Cal coverage to low-income families. This plan is only available to those who qualify under state regulations.
The Medi-Cal plan covers a wide variety of healthcare needs including all preventative care, maternity care, hospital treatment, and even vision. Some coverage varies by county.
Medicare and Medicaid
Molina offers their Medicare Options Plan to Medicare-eligible members and the Plus plan for special needs patients who are eligible for both Medicare and Medicaid. Both plans are HMO-SNP plans that include prescription drugs.
These plans cover all medical care in addition to prescriptions, but hearing, dental, and vision are offered as Medicare supplement insurance coverage. As an HMO, in-network providers must handle all coverage, although out-of-network care may be authorized when required.
The Molina Dual Options Cal MediConnect plan is a specialized plan for those who qualify for both Medicare and Medicaid.
What marketplace plans are available?
Molina’s Covered California plans are marketplace health plans offering coverage within the HMO network. All these coverage plans come with deductibles, which is why understanding health insurance deductibles is important. We’ve provided some examples of Molina’s Silver Plan deductibles in the chart below.
Plans | Individual Deductible | Family Deductible |
---|---|---|
Silver 94 | $75 | $150 |
Silver 87 | $650 | $1,300 |
Silver 73 | $2,200 | $4,400 |
Silver 70 | $2,500 | $5,000 |
The Minimum Coverage plan is a catastrophic plan that not all members will qualify for due to certain restrictions. This plan has a $7,150 individual and $14,300 family combined deductible for medical, prescriptions, and pediatric dental. All care is paid out of pocket until the deductible is met, at which point coverage kicks in at 100%.
There is one Bronze plan available, the Bronze 60, which has a $6,300 individual deductible and $12,600 family deductible. The prescription deductible is separate with $500 for individual and $1,000 for family, and prescriptions are covered at 100% after this deductible, up to $500 per prescription. Copays are $75 across the board for regular office visits and services.
Molina insurance has four Silver healthcare services plans:
Molina Silver 94 HMO has very low deductibles, at $75/$150 individual and family. Copays are very low at $5 for a primary care visit and $8 for a specialist visit. Prescriptions start at $3 for Tier 1 drugs. This is likely the most expensive of the Silver options.
Silver 87 has copays of $10 for primary care and $25 for specialists. The deductibles are $650 individual and $1,300 family. Prescriptions start at $5 for Tier 1 drugs.
Silver 73 has a $2,200 individual deductible and a $4,400 family deductible. Copays are $30 for primary care and $55 for specialist visits. Prescriptions start at $15 for Tier 1 drugs.
The Silver 70 plan has a $2,500 individual deductible and a $5,000 family deductible. Copays are $35 for primary and $70 for specialist visits. Like the previous plan, Tier 1 drugs are $15 with prices varying from there.
The Gold plan is the Molina Gold 80. This is a zero deductible plan with copays that match the Silver 73 plan at $30 and $55. Prescription drugs also have no deductible and start at $15.
The Platinum Plan is also a zero deductible plan. Primary care is covered with a $15 copay and specialist visits have a $40 co-pay. Like the Gold plan, there is no prescription deductible, and drugs start at $5. There don’t seem to be any Molina Marketplace Silver Plan reviews available online.
When asking if Molina Insurance is good you will also want to consider how affordable the healthcare services coverage rates are, which we discuss below.
Are Molina Healthcare rates affordable?
Molina Healthcare Insurance health insurance quotes aren’t available online for their Medicare or Medi-Cal insurance products, however, there is a form that can be filled out in order to request information and Molina Healthcare Insurance health insurance rates. Quick quotes are available for marketplace plans.
We ran a quote in California for a single 30-year-old with an income of $50,000. The Bronze plan returned a rate of $173.18 per month and $227.49 for the Silver 70 plan. The Gold 80 plan came in at $255.00 and the Platinum Plan at $294.67. As our sample person qualifies for the catastrophic plan, we did return a quote of $173.14 for that option. However, when you go to buy Molina Healthcare Insurance health coverage, you might find a much different rate.
These rates appear to be reasonable, however, because health insurance plans have costs that can vary based on the person it is difficult to compare them even with a quote. The variety of options makes it increasingly difficult to create apples-to-apples comparisons across and even within companies. It’s important to compare each company you shop with to the average health insurance cost per month in the U.S.
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Is the Molina Healthcare claims process simple?
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
As a healthcare company, the company handles all health care claims directly and internally. Since they are an HMO, their billing departments will be connected to the providers directly, so there should rarely be an instance in which a member needs to handle a claim. Be sure to check online for Molina Healthcare provider reviews specifically.
Molina Healthcare offers multiple channels for filing claims, providing flexibility and convenience to policyholders. You can file a claim through their online portal, over the phone, or via their mobile app. This variety of options ensures that policyholders can choose the method that best suits their preferences and needs.
Average Claim Processing Time
The average claim processing time with Molina Healthcare can vary depending on the specific nature of the claim and its complexity. Policyholders should expect reasonable processing times, but it’s advisable to check with the company for more precise information regarding the processing times for different types of claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts with Molina Healthcare is mixed. While some policyholders report smooth and satisfactory claim experiences, others have expressed concerns about delayed payouts and claim denials.
It’s essential for prospective policyholders to review customer feedback and consider their specific needs and circumstances when evaluating Molina Healthcare’s claim resolution process.
Molina Healthcare Digital and Technological Features
Mobile App Features and Functionality
Molina Healthcare offers a mobile app that allows policyholders to manage their insurance on the go. The app provides features such as access to policy information, claims filing, appointment scheduling, and more. It offers a user-friendly interface and convenience for policyholders who prefer managing their insurance digitally.
Online Account Management Capabilities
Policyholders can efficiently manage their accounts online through Molina Healthcare’s website. This includes tasks like updating personal information, reviewing policy details, and accessing important documents. The online account management system enhances convenience and accessibility for policyholders.
Digital Tools and Resources
Molina Healthcare provides various digital tools and resources to assist policyholders in understanding their coverage and making informed decisions. These resources may include educational materials, cost calculators, and healthcare provider directories, all accessible online.
These digital tools aim to empower policyholders with valuable information about their insurance options and healthcare choices.
Are reviews of Molina Healthcare positive?
How good is Molina Healthcare? Reviews on Molina health insurance include an F rating for Molina Healthcare in Long Beach with the Better Business Bureau (BBB). This Molina Healthcare review is due to the fact that, of 38 complaints filed in the past three years, they failed to respond to 29 and did not resolve two. While the number of complaints is not high, the failure to respond and resolve is certainly a surprising and concerning issue.
Molina Healthcare of Michigan reviews are mixed to low on Google. The same goes for Molina Healthcare of Utah reviews. For Molina Marketplace of Texas reviews, Google users have given the company 1.6 out of 5 stars. Molina Marketplace of Florida reviews include a rating of 1.7 stars on Google. Molina Healthcare Washington of reviews include a 1.9 rating on Google. Molina Healthcare of Ohio reviews are comparatively on Google at 2.5 stars.
Pissed Consumer has 610 Molina Health Care reviews, with an overall 2.8-star rating. The star ratings for Molina Healthcare are actually higher than we usually see, which means there are enough Molina Healthcare Insurance positive reviews to bring it up a bit. The total number of complaints is not terribly high for a company of this size, but taken with the F rating from the BBB, it does not paint a nice picture.
Many of the complaints cite denied claims, policy cancellations after automatic payment systems failed, frequent website downtime, and difficulty with providers and delayed referrals.
While all health insurance companies have similar complaints, the overall image of this company is of one that is not responding to customer concerns, which raises red flags. You can find out more about different health insurance companies in the review directory.
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Molina Healthcare: What’s the bottom line?
So is Molina health insurance good? Molina Healthcare Insurance is a big health insurance company but seems to have somewhat moved away from its founder’s goal of putting patients before dollars. They have a good selection of plans at reasonable rates and may be helpful to those looking for help with state-run programs.
Their reputation, however, is tarnished by a large number of Molina Healthcare, Inc. reviews that feature similar complaints and failure to respond to and resolve problems. Molina Healthcare plan reviews aren’t the best. The same goes for Molina Healthcare reviews in Texas as well as many other states. Additionally, Molina offers a mobile app for both iOS and Android.
Despite negative Molina Marketplace Insurance reviews, Molina Healthcare Insurance might be a good option for some. Compare insurance rates from other top companies, by using our comparison tool below.
Frequently Asked Questions
How is the customer satisfaction with Molina Healthcare?
Customer satisfaction can vary based on individual experiences. To get a better understanding of customer satisfaction with Molina Healthcare, it is recommended to research and read customer reviews, ratings, and testimonials specific to their health insurance, Medicare, and Medicaid offerings.
What types of insurance plans does Molina Healthcare offer?
Molina Healthcare offers a variety of insurance plans, including health insurance, Medicare Advantage plans, and Medicaid plans. Their health insurance plans cater to individuals and families, while their Medicare and Medicaid plans are designed for eligible beneficiaries seeking comprehensive coverage.
How can I file a complaint against Molina Healthcare?
If you have a complaint against Molina Healthcare, you can typically contact their customer service department directly. Start by calling their customer service phone number or visiting their official website to find information on how to file a complaint. Additionally, you may consider reaching out to your state’s insurance department or regulatory authority for further assistance.
What is Molina Healthcare?
Molina Healthcare is a managed healthcare company that provides health insurance plans, including Medicare and Medicaid, to individuals and families. They offer a range of health insurance options to eligible individuals, focusing on delivering affordable and quality healthcare services.
Are there any common complaints against Molina Healthcare?
Common complaints against insurance companies can vary. It’s important to review customer feedback and complaints specific to Molina Healthcare to understand any recurring issues. Complaints may relate to customer service, claims processing, provider networks, billing, or other aspects of the insurance experience.
How can I find reviews and ratings for Molina Healthcare?
To find reviews and ratings for Molina Healthcare, you can conduct an online search using search engines. Look for reputable websites that provide customer reviews and ratings for insurance companies. You can also check with consumer advocacy organizations and state insurance departments for more comprehensive information.
Can I switch insurance providers if I am not satisfied with Molina Healthcare?
Yes, you have the option to switch insurance providers if you are not satisfied with Molina Healthcare. It’s recommended to compare insurance plans from multiple providers to ensure they meet your needs. When switching, consider factors such as coverage, costs, provider networks, and any enrollment periods or restrictions that may apply.
How can I learn more about health, Medicare, and Medicaid insurance from Molina Healthcare?
To learn more about health, Medicare, and Medicaid insurance options from Molina Healthcare, you can visit their official website or contact their customer service. Their website typically provides detailed information about their insurance plans, including coverage details, benefits, and enrollment processes. You can also speak with a licensed insurance agent or contact your local Medicaid or Medicare office for additional guidance and assistance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
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.