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
FFF
Reputation grade F (composite score 6.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

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 →

NAIC CIS filing desk

NAIC 12808 F · 6.8

GRADE-F · INDEX-HOT · DENIAL-NONE · RANK-WORST · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-F F · 6.8
  • INDEX-HOT 2.33
  • DENIAL-NONE No CMS file
  • RANK-WORST #61/72
  • PHOTO-FINISH Dairyland Insurance… · F
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Dairyland Insurance (Sentry) (±0.01 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Ambetter (Centene)

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Ambetter (Centene) - complaint index neighbourhood

complaint index

What this shows 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).

Source NAIC published complaint index (2024) As of 2026

Where Ambetter (Centene) sits on complaints

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.

Source NAIC published complaint index (2024) As of 2024

Ambetter (Centene) vs. the full rated-insurer dataset

233% 15th percentile more affordable than 15% of 72 rated insurers

Ambetter (Centene) 0% 425% all rated insurers, bucketed by value

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

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

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

#3
Market share
6.74%
Direct written premiums
$113,189.4M
See the full market-share ranking →

What the NAIC filing desk 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) is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Ambetter (Centene).

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Ambetter (Centene): nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (6.8 here). Floored at 50+ complaints and 5+ states.

Dairyland Insurance (Sentry) 6.4 Hippo Insurance 6.4 Kemper Auto 2.8 Direct General (Allstate) 0.0

Similar complaint volume

Nearest carriers by NAIC complaint count (7,172 here). Deduped against the score peers so the two sets stay distinct.

Allstate Insurance 7,240 complaints UnitedHealthcare 6,891 complaints Transamerica Life 6,880 complaints AIG Homeowners 7,517 complaints
Aggregates only, not advice. Full terms on the disclaimer.

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.

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 Source

Source: NAIC published complaint index data Complaint index, reputation grade for Ambetter (Centene) · 2024

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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.

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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.