Wellpoint Insurance Review & Ratings (2024)

Our Wellpoint Insurance review highlights the company's great financial shape, boasting an A rating from A.M. Best for affordable prices and user-friendly online tools. Whether it's auto, home, health, or business insurance you need, Wellpoint has got you covered. Enter your ZIP code to find cheap insurance in your area.

UPDATED: Dec 18, 2023Fact Checked

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Dec 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. 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.

UPDATED: Dec 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 18, 2023Fact Checked
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Wellpoint Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Solid industry reputation with over 70 years of experience.
  • Diverse range of health insurance plans for individuals and employers.
  • Innovative digital tools and a user-friendly mobile app.

Cons

  • Mixed customer feedback on claims resolution and payouts.
  • Limited geographical coverage compared to some national competitors.
  • Some reported issues with customer service responsiveness.

Final Verdict: Review of 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.

What You Should Know About Wellpoint Insurance

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.

Wellpoint Insurance Coverage Options

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.

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.

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Wellpoint Insurance Rates Breakdown

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.

Wellpoint Insurance Discounts Available

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.

Seamless Claims Process With Wellpoint Insurance Claims Process

Ease of Filing a Claim

Wellpoint Insurance offers multiple convenient methods for filing a claim. Customers can choose to file a claim online through the company’s website, over the phone by contacting their customer service, or even through mobile apps provided by Wellpoint. This flexibility ensures that policyholders can select the method that suits them best, making the claims process more accessible and user-friendly.

Average Claim Processing Time

The efficiency of the claims process is a crucial factor for insurance providers, and Wellpoint Insurance strives to deliver on this front. While specific processing times may vary depending on the complexity of the claim, Wellpoint has a reputation for processing claims promptly. Policyholders can expect a relatively swift resolution to their claims, helping them get back on track after an unforeseen event.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Wellpoint Insurance has garnered a range of customer reviews, and opinions on claim resolutions and payouts are mixed.

Some customers have reported satisfactory experiences, highlighting the company’s responsiveness and fair payouts. However, others have expressed concerns regarding the claims process. It is essential for potential policyholders to consider these reviews and consult Wellpoint representatives for clarification before making a decision.

Exploring Wellpoint Insurance Digital and Technological Features

Mobile App Features and Functionality

Wellpoint Insurance provides a user-friendly mobile app designed to enhance the customer experience. The app offers a range of features and functionalities, including the ability to access policy information, file claims, view payment history, and even connect with customer support. These digital tools make managing insurance-related tasks more convenient for policyholders on the go.

Online Account Management Capabilities

Managing insurance policies and accounts online has become increasingly important in today’s digital age. Wellpoint recognizes this need and offers robust online account management capabilities. Policyholders can log in to their accounts through the company’s website to review policy details, update personal information, and make payments. This online accessibility streamlines the insurance management process.

Digital Tools and Resources

Wellpoint Insurance goes beyond basic coverage by providing digital tools and resources to educate and assist customers. These resources may include educational articles, calculators, and information on wellness programs. By offering these digital tools, Wellpoint aims to empower policyholders with valuable knowledge and resources to make informed decisions about their insurance coverage and overall health.

How Wellpoint Insurance Ranks Among Providers

Wellpoint Insurance, with a history spanning over 70 years, is a prominent player in the insurance industry, specializing in health insurance plans for individuals, families, and employers. To understand its competitive position, let’s assess how Wellpoint stacks up against key competitors.

  • Anthem, Inc. (formerly Wellpoint Health Networks Inc.): Wellpoint Insurance is part of Anthem, Inc., showcasing a robust financial standing with an A rating from A.M. Best. Both entities share a mission to improve health access and affordability.
  • UnitedHealth Group: UnitedHealth Group is known for its extensive network and innovative healthcare solutions. Wellpoint Insurance may face competition in terms of network reach and product innovation.
  • Cigna Corporation: Cigna’s global presence and holistic approach to health services may pose a challenge for Wellpoint. Wellpoint’s strength lies in its regional focus and history.
  • Humana Inc.: Wellpoint’s regional strength may contrast with Humana’s broader nationwide presence. Wellpoint may excel in localized markets where Humana competes.
  • Aetna (acquired by CVS Health): CVS Health’s integration of Aetna brings a unique dynamic to the competition. Wellpoint may need to focus on technological advancements and partnerships.

Wellpoint Insurance, embedded within the larger entity of Anthem, Inc., stands as a reputable insurance provider with a commendable history. Its competitive position is notable, particularly in regional markets.

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.

Frequently Asked Questions

What types of insurance plans does Wellpoint offer?

Wellpoint offers a wide range of health insurance plans, including individual and family plans, employer-sponsored plans, Medicare plans, and Medicaid plans.

How can I get a quote for insurance from Wellpoint?

You can get a quote for insurance from Wellpoint by visiting their website or by speaking with a Wellpoint representative. To get an accurate quote, you’ll need to provide information about your age, location, health history, and the type of coverage you’re looking for.

What discounts and cost-sharing programs does Wellpoint offer?

Wellpoint offers a variety of discounts and cost-sharing programs, including discounts for healthy behaviors, age-based discounts, and income-based discounts. Customers can contact a Wellpoint representative or visit the company’s website for more information on available discounts and cost-sharing programs.

What is Wellpoint’s financial strength rating?

Wellpoint’s A.M. Best rating is bbb+ and their S&P rating is A-. These ratings reflect the company’s strong financial standing and ability to meet their financial obligations to customers.

What states does Wellpoint offer insurance in?

Wellpoint offers insurance products and services in several states across the United States, including California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, Ohio, Virginia, and Wisconsin. However, the specific products and services offered may vary depending on the state.

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Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. 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.

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