Reputation grade
F
Peer-relative, A–F
Insurer profile · Centene · NAIC + CMS
Ambetter (Centene)
Ambetter (Centene)'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- F
- Reputation grade
- 2.33
- Complaint index
- 25
- States active
The verdict
Ambetter (Centene) earns a F reputation grade - a significantly worse record than peers, according to the NAIC's published complaint index, its ratio runs 2.33, above the 1.0 market average.
- F
- reputation grade
- 2.33
- NAIC complaint index
NAIC complaint index
2.33
1.0 = market average; lower is better
Est. complaint volume
~7,172
across 25 states, index-derived
Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →Where Ambetter (Centene) sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Ambetter (Centene)
Ambetter (Centene): complaint index 2.33
2 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Ambetter (Centene)'s complaint index of 2.33 is 133% above the 1.0 market average for a carrier of its size.
Ambetter (Centene) vs. the full rated-insurer dataset
233% 15th percentile more affordable than 15% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Health Insurance (Individual) | ~7,172 | 2.33 | 25 |
Health insurance market share
National ranking by direct written premiums, NAIC 2024
Market share
6.74%
Direct written premiums
$113,189.4M
What the data shows for Ambetter (Centene)
According to PlainInsurer's dataset, Ambetter (Centene) has a lower (better) NAIC complaint index than 15% of the 72 rated insurers it tracks and ranks #18 of 18 carriers by complaint ratio in Health Insurance (Individual).
Ambetter (Centene), part of Centene, carries a F reputation grade in PlainInsurer's dataset, with a composite score of 6.8 (higher means more consumer friction relative to size). Its NAIC complaint index of 2.33 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
Ambetter (Centene) does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
Ambetter (Centene) is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
Aggregates only, not advice. Full terms on the disclaimer.
Other F-graded carriers in PlainInsurer's dataset include Kemper Auto and Root Insurance, and the closest overall composite score to Ambetter (Centene)'s 6.8 belongs to UnitedHealthcare of Oklahoma, Inc. (7.0), each rescaled across the measures that carrier reports.
Ambetter (Centene) is part of the Centene family, alongside Centene Corporation (WellCare), Ambetter of North Carolina Inc., Ambetter of Magnolia Inc., Ambetter Health of Louisiana, Inc., and 1 more in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.
Other F-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Kemper Auto | F |
| Root Insurance | F |
| Dairyland Insurance (Sentry) | F |
| Hippo Insurance | F |
| Esurance (Allstate) | F |
Closest composite score to Ambetter (Centene)
Carriers with the nearest overall composite score (6.8)
| Insurer | Composite score |
|---|---|
| UnitedHealthcare of Oklahoma, Inc. | 7.0 |
| UnitedHealthcare of Ohio, Inc. | 7.6 |
| Community First Insurance Plans | 8.1 |
Questions about Ambetter (Centene)
What does Ambetter (Centene)'s grade mean?
Ambetter (Centene) received a grade of F, indicating a significantly worse record than peers.
How many complaints does Ambetter (Centene) have?
PlainInsurer estimates Ambetter (Centene)'s complaint volume at roughly 7,172 across 25 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Ambetter (Centene)?
File against Ambetter (Centene) through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Ambetter (Centene) a good insurance company?
PlainInsurer's F grade for Ambetter (Centene) reflects a significantly worse record than peers relative to peers on published complaint and denial data.
What types of insurance does Ambetter (Centene) offer?
Based on NAIC filing data, Ambetter (Centene) reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.
Verify Ambetter (Centene)
Ambetter (Centene) is filed with the NAIC under company number 12808. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Ambetter (Centene) · 2024
Share, download, and related pages for Ambetter (Centene)
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Ambetter (Centene), is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.