Wellpoint Insurance Review & Ratings (2023)
This Wellpoint Insurance Review will cover Wellpoint Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Wellpoint Insurance A.M. Best rating is bbb+, and the Wellpoint Insurance S&P Rating is A-. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 12, 2023
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When it comes to finding the right insurance provider, it’s important to consider a company’s history, products, and customer reviews.
Wellpoint Insurance is a name that has been around for over 70 years, providing health insurance plans to individuals, families, and employers across the United States.
- Offers a wide range of health insurance plans to individuals, families, and employers.
- Has a strong financial standing with an A rating from A.M. Best.
- Is part of Anthem, Inc., one of the largest health insurance companies in the United States.
With a strong financial standing and a wide range of plans to choose from, Wellpoint Insurance is a company worth considering when shopping for health insurance.
Wellpoint Insurance History and Mission
Wellpoint Insurance has a long and interesting history that spans over 70 years. The company was originally founded in 1944 as Blue Cross of California and later merged with Blue Shield of California to become Wellpoint Health Networks Inc.
In 2004, the company changed its name to Anthem, Inc., which is now one of the largest health insurance companies in the United States.
Wellpoint’s mission is to improve the health of the people it serves and to provide affordable access to high-quality healthcare.
The company’s core values include putting customers first, working to improve healthcare quality and affordability, promoting innovation and creativity, and fostering a culture of diversity and inclusion.
In pursuit of its mission, Wellpoint has implemented several initiatives over the years, including investing in technology to improve healthcare delivery, partnering with healthcare providers to promote preventive care and disease management, and promoting healthy lifestyles through wellness programs and health coaching services.
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Products and Services Offered at Wellpoint Insurance
Wellpoint Insurance offers a wide range of health insurance plans and related services to individuals, families, and employers. Here’s a closer look at some of the main products and services offered by the company:
- Individual and family health insurance: Wellpoint offers a variety of health insurance plans to individuals and families, including HMO, PPO, and EPO plans. These plans vary in terms of cost, coverage, and provider networks, so customers can choose the plan that best fits their needs and budget.
- Medicare plans: Wellpoint offers Medicare Advantage plans, Medicare supplement plans, and prescription drug plans to seniors and individuals with disabilities who are enrolled in Medicare. These plans offer additional benefits and coverage beyond what is provided by original Medicare.
- Employer-sponsored health insurance: Wellpoint offers a variety of health insurance plans to employers of all sizes, including HMO, PPO, and POS plans. These plans can be customized to meet the specific needs of each employer and their employees.
- Dental and vision insurance: In addition to health insurance, Wellpoint offers standalone dental and vision insurance plans. These plans can be purchased separately or added to a health insurance plan for additional coverage.
- Wellness programs and health coaching: Wellpoint offers a variety of wellness programs and health coaching services to help customers improve their health and well-being. These programs may include weight loss programs, smoking cessation programs, and chronic disease management programs.
The cost of Wellpoint’s products and services varies depending on a variety of factors, including the type of plan, location, age, and health history of the customer.
Cost of Coverage at Wellpoint Insurance
The cost of insurance from Wellpoint varies depending on a variety of factors, including the type of plan, location, age, and health history of the customer. In general, Wellpoint offers a range of plans with varying levels of coverage and cost-sharing.
It’s important to note that these are just estimates and that actual costs may vary depending on individual factors. Additionally, Wellpoint offers a variety of discounts and cost-sharing programs to help make insurance more affordable for customers.
Some of these discounts and programs are based on factors such as age, income, and healthy behaviors. Customers can speak to a Wellpoint representative or visit the company’s website for more information on available discounts and cost-sharing programs.
Available Discounts at Wellpoint Insurance
Wellpoint offers a variety of discounts and cost-sharing programs to help make insurance more affordable for customers. Here are a few examples of the discounts available and how customers can qualify for them:
- Multi-policy discount: Wellpoint offers a discount to customers who have multiple insurance policies with the company, such as a health insurance policy and a dental insurance policy. Customers can contact a Wellpoint representative or visit the company’s website for more information on this discount.
- Healthy behavior discount: Wellpoint offers discounts to customers who participate in healthy behaviors, such as getting an annual physical or completing a wellness program. Customers can contact a Wellpoint representative or visit the company’s website for more information on available wellness programs.
- Income-based subsidies: Depending on a customer’s income and household size, they may be eligible for subsidies to help reduce the cost of their health insurance premiums. Customers can apply for these subsidies through the Affordable Care Act (ACA) marketplace or their state’s Medicaid program.
- Medicare savings programs: Customers who are enrolled in a Wellpoint Medicare plan may be eligible for cost-sharing assistance through a Medicare Savings Program. These programs are based on a customer’s income and assist with premiums, deductibles, and coinsurance.
It’s important to note that discounts and cost-sharing programs may vary depending on the customer’s location and a specific plan. Customers can contact a Wellpoint representative or visit the company’s website for more information on available discounts and cost-sharing programs.
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States Where Wellpoint Offers Insurance
Wellpoint offers insurance products and services in several states across the United States. The company operates through its subsidiaries, including Anthem Blue Cross, Blue Cross and Blue Shield of Georgia, and Empire BlueCross BlueShield, among others.
Here is a list of states where Wellpoint offers insurance products and services:
- California
- Colorado
- Connecticut
- Georgia
- Indiana
- Kentucky
- Maine
- Missouri
- Nevada
- New Hampshire
- New York
- Ohio
- Virginia
- Wisconsin
It’s important to note that the specific products and services offered by Wellpoint may vary by state. Customers can visit the company’s website or contact a Wellpoint representative to learn more about the specific insurance products and services available in their state.
Customer Feedback for Wellpoint Insurance
Customer reviews of Wellpoint are mixed. While the company has a strong reputation in the insurance industry and offers a variety of insurance products and services, some customers have reported issues with customer service, claims processing, and coverage. Here is a summary of some of the customer reviews of Wellpoint:
- Positive reviews: Many customers have praised Wellpoint for offering comprehensive insurance products and services at affordable prices. Customers have also appreciated the company’s online tools and resources, which make it easy to manage their insurance policies and find healthcare providers.
- Negative reviews: Some customers have reported issues with customer service and claims processing. Customers have reported long wait times on hold, difficulty getting in touch with a representative, and issues with claims being denied or delayed. Some customers have also reported issues with coverage, including unexpected costs and denials of coverage for certain procedures or treatments.
Overall, Wellpoint has a mixed reputation among customers. While the company offers a variety of insurance products and services, customers should carefully consider their options and read reviews before choosing a policy.
Additionally, customers who experience issues with their policy or coverage should contact a Wellpoint representative to address their concerns.
In Summary: Wellpoint Insurance
In conclusion, Wellpoint is a reputable insurance company that offers a wide range of insurance products and services in several states across the United States.
The company has a strong reputation in the industry and is known for offering comprehensive insurance plans at affordable prices. However, customer reviews of the company are mixed, with some customers reporting issues with customer service, claims processing, and coverage.
Despite these mixed reviews, Wellpoint may be a good option for customers who are looking for comprehensive insurance coverage and competitive pricing. As with any insurance company, it’s important for customers to carefully consider their options and read reviews before choosing a policy.