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Secured with SHA Encryption. Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs.
She has since used that knowledge in her more than ten years as a writer, largely in the insuranc 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 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.
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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. 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.
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. In 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 they had become a publicly-traded company under the name Amerigroup. In 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 , Anthem acquired the insurer, and they now operate as a subsidiary. The primary product is Medicare Advantage, although they also contract with the federal government to provide Medicaid and combined insurance plans as well.
There are special eligibility requirements for these plans. 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 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.
Amerigroup offers a lot of plan types in its relatively limited geographic footprint. Its plans earn just above 3. Amerigroup is a managed care company that focuses on Medicare, Medicaid, and other public insurance programs. Amerigroup was acquired by WellPoint in ; WellPoint and Anthem had merged in and adopted Anthem as the corporate name in Anthem is the second-largest health insurer overall in the U. Not all plan types are available in each of these states.
Amerigroup offers Medicare Advantage HMO plans, which include all the benefits of Original Medicare combined with coverage for services excluded from Original Medicare. Many Amerigroup HMO plans include coverage for prescriptions as well as dental and vision services. HMOs typically require members to choose a primary care doctor who acts as a gatekeeper to specialists you might need. While coverage and benefits vary, these plans may also include rides to health appointments, fitness benefits, and even Medicare Part B premium coverage.
Amerigroup offers Medigap plans in Arizona and Texas. Prescription Drug Plans cover drug costs, which Original Medicare does not. These plans complement Original Medicare or other supplemental coverage but are usually not compatible with Medicare Advantage plans because most Medicare Advantage plans include prescription coverage.
Amerigroup contracts with a network of more than 66, pharmacies, including 24, preferred pharmacies which may offer better pricing for Amerigroup members. As always with health insurance plans, specific costs vary by plan and by state. Many Amerigroup Medicare Advantage plans include extra dental, vision, and hearing coverage, membership in the SilverSneakers fitness program, and over-the-counter allowances. Prospective members can call between 8 a. Current Medicare Advantage and Medicare Supplement Insurance Medigap members can call member services at This index reflects the number of complaints against an insurer relative to its market share.
The lower the ratio, the better. A ratio greater than 1. Amerigroup has several subsidiary companies, each with different complaint index results. The Amerigroup plan in Arizona and Texas, for example, had a complaint index of 0 with no complaints in In , this plan had one complaint against it--not against its Medicare Supplement Medigap plans--and none at all in across all insurance lines of business, according to NAIC.
Amerigroup New Jersey had no complaints in or , but it had seven in for a complaint index of 7. Credit rating agency AM Best evaluates insurance companies on their financial strength. Not all Amerigroup plans are rated, but those that are received a financial strength rating of A Excellent. In December , AM Best affirmed this rating for Amerigroup as part of its overall assessment of Anthem and its subsidiaries.
Anthem scored points out of 1,, putting it just below the industry average of In the ratings, these plans received 3. Several other Amerigroup plans were too new to be rated or did not have sufficient data available to be included. Health plan costs include premiums, deductibles, copayments, and coinsurance, all capped by an out-of-pocket maximum that sets a limit for the most a member would have to pay in a year.
The best way to find specific costs is to search by zip code, carrier, and plan type on Medicare. Amerigroup competes with dominant plans in different states, but Aetna is one of the largest plans in several states in which Amerigroup operates, including Iowa, New Jersey, and Texas. Aetna covers a much wider geography, but on a head-to-head comparison where both plans operate, Aetna wins for quality.
Powers Medicare Advantage study. Amerigroup has more types of Special Needs Plans, so for people with special needs, it's likely the better option. Backed by Anthem, Amerigroup has the depth of resources of an even bigger plan. It has a range of options and extra benefits, but you may be able to do better in terms of quality ratings. Even Medicare health plans with a national presence can vary locally in their cost, quality, and customer satisfaction.
To evaluate Medicare plans, we looked at health insurance industry ratings from the primary accrediting agency for health plans, NCQA, and the Medicare Star Ratings from CMS, the regulatory agency that oversees Medicare. We also considered information from the companies on their programs and strategies. AM Best. National Association of Insurance Commissioners.
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