InsuredBetter's AmeriHealth Insurance Score
2.5 Stars
AmeriHealth was founded in 1995 as Delaware Valley HMO, and originally served a small portion of Pennsylvania. Over time, the carrier expanded into New Jersey. Today, AmeriHealth operates in partnership with Independence Blue Cross.
The company offers individual and group health insurance with primarily Exclusive Provider Organization (EPO) plans. Managed care for Medicare and Medicaid and workers' compensation insurance are sold through separate companies.
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.
AmeriHealth has received an "A+" rating from the Better Business Bureau (BBB), but it does not have an AM Best rating as an individual entity.
We award AmeriHealth a final rating of 2.3 out of 5 stars. AmeriHealth has an adequate selection of health plans available for individuals and businesses in New Jersey and Pennsylvania. The company also has the backing of Independence Blue Cross.
But the company also has mostly negative reviews online, and numerous complaints to the BBB often noting the company’s failure to respond to the complaints. Most of the complaints revolve around the company’s failure to pay claims and less-than-stellar customer service. Many also report difficulties finding providers who accept the company's coverage. Luckily, the easy and comprehensive online member portal and mobile app can accomplish several service-related tasks.
We think it’s worth considering AmeriHealth for your health insurance needs if you live or own a business in its service area. But you should do so with the help of an independent insurance agent who can show you multiple options and help you choose the best health insurance company for your needs.
AmeriHealth Pros and Cons
| Pros: | Cons: |
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Offers several group and individual health insurance plans in New Jersey and Pennsylvania
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Not a BBB-accredited business
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Offers a range of plans to meet most budgets
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Not rated by AM Best, making it difficult to assess its financial stability
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Plans can be purchase with the help of independent insurance agents and brokers
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Online customer service reviews are hard to find, and mostly negative
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Access to national and regional preferred provider networks, depending on the plan
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24/7 virtual care benefits and mobile tools make service easy
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"A+” (excellent) rating by BBB
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AmeriHealth Products
AmeriHealth offers a variety of individual and group health plans for customers in New Jersey and Pennsylvania, including the following:
- EPO (exclusive provider organization)
- EPO with Health Savings Account (HSA)
- Dental insurance
- Vision Insurance
What Discounts Does AmeriHealth Offer?
AmeriHealth does not publish any information about premium discounts that it offers to its policyholders. The company does offer a reward program that allows members to take advantage of special member-only deals on national, regional, and local businesses, attractions, and events, including:
- Amusement park tickets
- Merchant gift certificates
- Hotels
- Online shopping and service discounts
The company also encourages healthy lifestyles by offering discounts on gym memberships, fitness wearables, fitness education programs, and home fitness equipment through GlobalFit’s GymNetwork 360. An independent insurance agent can help you learn more about the special wellness programs offered by AmeriHealth, as well as other ways to save on your health insurance premiums.
AmeriHealth Customer Service
Here's what to know about AmeriHealth’s customer service options:
- Phone contact Monday – Friday, 8:00 am to 6:00 pm EST
- Find a provider, manage claims, and more online via the AmeriHealth member portal and mobile app
- Customer service department has the following hour restrictions:
| Days | Hours (EST) |
| Monday-Friday | 8:00 am - 6:00 pm |
AmeriHealth encourages its customers to work with their independent insurance agents, who can provide even more personalized service. If you have questions or concerns about your policy, an independent agent can advocate on your behalf; no impersonal call to a customer service line necessary.
AmeriHealth FAQs
What is AmeriHealth’s average claims response time frame?
The carrier does not publish an average claims response time. Since AmeriHealth is a healthcare company, in most cases providers will bill directly for services and the insured will then receive a bill for any coinsurance that is due, or any amount not covered.
What is AmeriHealth’s customer service availability?
AmeriHealth offers customer services by phone Monday – Friday, 8:00 am to 6:00 pm EST. The carrier also offers an online member portal and a mobile app for members that allows access all of your benefits and claims information in one convenient location. Members can manage their accounts, find a doctor or hospital, view claims and benefits, and help manage their health through personalized tools and resources.
Members are also encouraged to receive personal service by working directly with their independent insurance agent.
What is AmeriHealth’s claims process?
Since AmeriHealth is a healthcare company, in most cases providers will bill directly for services and the insured will then receive a bill for any coinsurance that is due, or any amount not covered.
Your independent insurance agent is always there to help you with any claims questions or concerns.
Does AmeriHealth create a user-friendly experience for customers?
AmeriHealth offers members a convenient online portal and a mobile app. Members can get the most from their benefits anytime and anywhere. From there, individual customers can download a temporary ID card, find a doctor or healthcare facility, and search for medication prices.
Employer group administrators can manage member health benefits, view employee benefit information, view member coverage history, manage invoices, and pay bills.
Does AmeriHealth have good health insurance?
AmeriHealth offers a variety of EPO options for individuals and businesses in New Jersey and Pennsylvania. In addition to plan options and flexible networks, every plan includes preventive care, wellness services, and disease management services. Every plan includes coverage for emergency care, ambulatory services, lab services, and mental health and substance abuse services. Plans also cover rehabilitation services, and maternity and newborn services. (All coverage is subject to individual plan details and network restrictions.)
Is AmeriHealth a good insurance company?
AmeriHealth has been offering health insurance plans in New Jersey and Pennsylvania since 1995. While it offers flexible plans, several network options, and a helpful online portal, the company receives mostly negative online reviews for its customer service performance. While the company may offer solid plan options, its customer responsiveness appears to be lacking.
Sources
https://www.amerihealth.com
https://www.bbb.org/us/nj/cranbury/profile/insurance-companies/amerihealth-insurance-company-of-new-jersey-0221-90156240/customer-reviews
