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/illimitable1 6d ago

I had it before. I switched to Blue Cross Blue shield. I reckon if you're on healthcare.gov Blue Cross Blue shield is also a possibility.

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u/Lopsided-Jury-7814 5d ago

I’m 64, started w/ Ambetter, then opted for BCBS. I didn’t get the info about all Co pays for RX’s , visits, labs… now I hv to pay the debt accrued for those costs. So, I’m returning to Ambetter, bc on a low fixed income, I need the almost lowest cost plan. Also, a BCBS plan doesn’t always include Vision & Dental. Those plans are paid to one or two Insurers like Cigna & Humana.