How to Pay Your Ambetter Insurance Bill: A Step-by-Step Guide

As an Ambetter health insurance member, paying your monthly premium bill on time is essential to keeping your coverage active Ambetter makes paying your bill quick and convenient through several options – online, phone, mail, and retail outlets

I know from personal experience that insurance billing can feel confusing at first. When I switched to Ambetter last year I wasn’t sure how to set up my account and new payment methods. With some trial and error I figured out the easiest ways to pay my Ambetter insurance premium every month.

In this comprehensive guide, I’ll walk through the various ways to pay your Ambetter bill. I’ll explain how to sign up for automatic payments, pay online through your account, pay by phone, or mail in a check. You’ll also learn tips to avoid late fees and keep your monthly payments on track. Let’s dive in!

Overview of Ambetter Billing and Payment Cycles

Ambetter mails out paper bills or sends email billing notifications around the same date each month. Your initial premium invoice is typically mailed within 10 days of your plan effective date.

Going forward, your monthly billing date is usually set for around the same date as your plan effective date For example, if your plan started April 1st, your Ambetter premium invoice will generate on or around the 1st of each month

Once your new bill is issued, your monthly premium payment is due within 30 days. It must be received by Ambetter before the due date on your current invoice to avoid any risk of lapse in coverage. If enrolling in automatic payments, your premium will be debited on the due date.

Now let’s review the convenient payment options Ambetter offers its members.

Paying Online Through Your Ambetter Account

The fastest and easiest way to pay your Ambetter premiums is by setting up automatic monthly payments through your online member account.

Sign Up for Online Bill Pay

Start by registering for your secure online account at AmbetterHealth.com. You’ll need your member ID number to sign up.

Once your account is created, you can enroll in auto bill pay. Choose the option to pay by debit card, credit card, or bank account. On your bill’s due date each month, the payment will be automatically debited.

I highly recommend opting for email billing notifications. You’ll receive an email when your new invoice is ready to view online and another reminder before the due date.

Benefits of Online Bill Pay

Paying online through your Ambetter member account offers many benefits:

• It’s fast, easy, and convenient
• Payments are always on time, preventing any coverage lapse
• You can set up email bill reminders
• Payment history is stored securely in your account
• You earn points through the My Health Pays rewards program

Online bill pay gives you peace of mind that your premium is paid on time, every month.

Paying Your Ambetter Bill by Phone

If you prefer to speak with someone, you can pay your Ambetter premium easily over the phone.

To pay by phone, call the automated payment system at 1-844-PAY-BETTER. That number again is 1-844-729-2388.

Follow the prompts to enter your member ID number and payment information. You can pay using a debit card, credit card, or checking account.

One benefit of paying by phone is that you can get immediate payment confirmation. However, there is a $10 service fee for debit/credit card payments. I recommend using the automated phone system only if you need proof of payment urgently.

Otherwise, stick to the free auto pay options through your online account to save money!

Paying Your Ambetter Premium by Mail

While less convenient than electronic payments, you can mail in a paper check or money order to pay your Ambetter bill.

Your payment stub from the invoice should be included with your check in the envelope. Make sure to write your member ID number clearly on the check memo line.

Mail your payment at least 7-10 days before the due date to ensure it arrives on time. I don’t recommend paying by mail unless necessary as delayed mail could result in late fees.

Send your check or money order to the payment address printed on your invoice. Verify the exact mailing address for your state by checking your most recent Ambetter bill.

Avoid Late Fees and Lapses in Coverage

Missing an Ambetter premium payment can lead to late fees, a lapse in coverage, and even policy cancellation if not corrected. Here are some tips to keep your bill payments on track:

• Enroll in auto pay through your online account to prevent missed payments
• Opt-in for billing reminders by email and text message
• If the due date falls on a weekend/holiday, pay by the preceding Friday
• Update your contact information if Ambetter needs to reach you
• Know your grace period for missed payments before a lapse occurs
• Call customer service if you’ll be late on a payment to discuss options

Reinstating a cancelled policy is a big hassle. Protect yourself by taking steps to pay every Ambetter premium correctly and on time, every month.

Get Help with Missed Payments and Financial Hardship

I know money can get tight and financial circumstances can change unexpectedly. If you’re struggling to pay your Ambetter premiums, help is available.

First, log into your online account and update your income and household details even if you’ve had other recent changes. This could qualify you for larger subsidies and lower your monthly payment.

If you’ve missed a payment, call Ambetter billing services right away at 1-877-687-1197. Discuss your situation and they’ll explain options like:

• Extending your grace period for overdue premiums
• Setting up a payment plan for outstanding balance
• Applying for premium tax credit recalculation
• Switching to a lower-cost Ambetter plan

Acting quickly keeps your coverage active! Ambetter also partners with organizations that assist members facing financial hardship.