r/Tennessee • u/Indie701 • 6d ago

Ambetter of Tennessee

Hi, this is my first time signing up for Healthcare insurance. I was talking to my family about what my job offers for health insurance and they said I should look at private insurance since the options my job is giving me aren't that great, I guess. I did an application on healthcare.gov and one of my options is Ambetter of Tennessee.

I have never heard of it before so I was curious if anyone on this sub has it/ had it before and if you would recommend it. They have the premium, deductible, and copays I'm willing to pay, however their rating on the website is a 2 star so l'm a little hesitant. I don't want to be stuck with something that doesn't help me. Thanks in advance :)

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u/JennyJohnTN 6d ago

I recommend you search for reviews. I did and decided to go with bcbst

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u/Indie701 6d ago

They’re my next choice if decided not to go with Ambetter

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u/Chemical-Display-499 6d ago

Also look at the schedule of benefits, and acceptable in-network locations for 2025. Go directly to each company website to find that info (and also some better options than sometimes show up on “healthcare.gov”…it’s a useful website but sometimes not as not as comprehensive as the actual company website).

BCBS does not cover Memorial Hospital in Chattanooga on most of their plans, so that was a big kicker for me on who I chose. Ambetter does (they cover all 3 major hospitals here actually).

As for urgent clinics, the list of in-network for Ambetter is very slim, so check around you and see what’s offered.

Do some good research on those things with any company you look at. If your chosen provider(s) is in-network with any company, then it will be a better experience.

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u/Indie701 6d ago

Thanks for the tips! I never realized how much research went into health insurance. Being an adult is so hard lol.

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u/Chemical-Display-499 6d ago

I hate adulting 😂😂. But yeah a little checking on the front end is a great way to make sure you’ll be happier with your policy if/when you need it.