Skip to content

Wellpoint (Amerigroup) Medicare Advantage 2025 Review

Wellpoint plans — formerly Amerigroup — offer flexible benefits but have below-average ratings and a limited service area.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Apr 22, 2025
Fact Checked
Profile photo of Kate Ashford, CSA®
Lead Writer & Content Strategist
Profile photo of Holly Carey
Edited by Holly Carey
Managing Editor
Profile photo of Kate Ashford, CSA®
Lead Writer & Content Strategist
Profile photo of Holly Carey
Edited by Holly Carey
Managing Editor
+ 0 more+ 1 more

The bottom line: Wellpoint Medicare Advantage offers low-cost plans in six states, but star ratings and member experience are subpar for the field. Jump to: Full Review

Wellpoint Medicare Advantage
Wellpoint
3.34
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

Wellpoint Medicare Advantage pros and cons

Pros

  • $0 premiums: Three-quarters of Wellpoint Medicare Advantage plans (74%) are $0 premium.
  • Low-cost plans: The average premium for a standard Wellpoint Medicare Advantage prescription drug plan is $12.30, which is lower than the average from all major providers.
  • Flexible benefits: Some Wellpoint Medicare Advantage plans offer “Essential Extras,” a feature where members choose an extra benefit for their plan, including money toward assistive devices, healthy groceries, or dental, vision or hearing care.

Cons

  • Limited availability: Wellpoint offers Medicare Advantage plans in only six states: Arizona, Iowa, New Jersey, Tennessee, Texas and Washington.
  • Low star ratings: Wellpoint plans' average star rating from the Centers for Medicare & Medicaid Services (CMS), weighted by enrollment, is 3.34 stars, which is below the average for all providers.
  • Low satisfaction: Member experience ratings, which include metrics like customer service and getting needed care, are well below average for major providers.
  • Limited plan options: Wellpoint offers only HMO and HMO-POS plans, which are the most restrictive in terms of medical flexibility.

Compare against other providers

Advertisement
UnitedHealthcare Medicare Advantage - UHC (product card)
UnitedHealthcare
3.95
CMS Star Rating
from UnitedHealthcare
Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 UnitedHealthcare Medicare Advantage

Aetna Medicare Advantage
Aetna
4.29
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Aetna Medicare Advantage

Humana Medicare Advantage - Chapter
Humana
3.63
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Humana Medicare Advantage

Cigna Medicare Advantage
Cigna
3.97
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Cigna Medicare Advantage

» More options in our roundup of the best Medicare Advantage plans

Compare against other providers

Advertisement
UnitedHealthcare Medicare Advantage - UHC
UnitedHealthcare
3.95
CMS Star Rating
from UnitedHealthcare
Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 UnitedHealthcare Medicare Advantage

Humana Medicare Advantage - Chapter
Humana
3.63
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Humana Medicare Advantage

» More options in our roundup of the best Medicare Advantage plans

Our full review

45+ Medicare companies and brands analyzed by our team of experts.

30+ years of combined experience covering Medicare and personal finance.

Governed by NerdWallet's strict guidelines for editorial integrity.

NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.

Wellpoint Medicare star ratings

Average star rating, weighted by enrollment: 3.34

Wellpoint Medicare Advantage plans are rated below the industry average, receiving an average rating of 3.34 stars out of 5 from CMS for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.96.

There are no Wellpoint Medicare Advantage plans with a rating higher than 3.5 stars.

CMS maintains star ratings for Medicare Advantage and Medicare Part D plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does Wellpoint Medicare Advantage cost?

Three-quarters of Wellpoint standard Medicare Advantage prescription drug plans have $0 premiums. For plans with a monthly cost, the average premium is $12.30, which is lower than the average from big providers. You'll also still be responsible for paying your Medicare Part B premium, which is $185 per month in 2025.

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

  • Whether you require extra benefits, and if the plan charges for them.

Here are examples of Wellpoint Medicare Advantage costs for three plans in a mid-range city:

Wellpoint Medicare Advantage plans

Pricing

Wellpoint Medicare Advantage (HMO-POS)

Monthly premium: $0.

Deductible: None.

Out-of-pocket max: $6,750 in-network.

Copays:

  • Primary care: $0.

  • Specialist: $45.

  • Emergency care: $125.

  • Inpatient hospital: $350.*

Dental allowance: $2,000.

Wellpoint Extra Help (HMO-POS)

Monthly premium: $9.10.

Deductible: None.

Out-of-pocket max: $4,900 in-network.

Copays:

  • Primary care: $0.

  • Specialist: $25.

  • Emergency care: $125.

  • Inpatient hospital: $325.*

Dental allowance: $3,250.

Wellpoint Medicare Advantage 2 (HMO-POS)

Monthly premium: $0.

Deductible: None.

Out-of-pocket max: $4,150 in-network.

Copays:

  • Primary care: $0.

  • Specialist: $25.

  • Emergency care: $140.

  • Inpatient hospital: $350.*

Dental allowance: $2,500.

Selected plans are available in ZIP code 37901.

*Inpatient hospital copay is per day for days 1-6.

To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Wellpoint plans or compare across carriers.

Wellpoint Medicare Advantage plan types

There are three kinds of Wellpoint Medicare Advantage plans, and all Wellpoint Medicare Advantage plans include prescription drug coverage.

Plan offerings include the following types:

  • A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

  • HMO point-of-service (POS) plans are HMO plans that allow members to get some out-of-network services, but you’ll pay more for those services.

  • Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Wellpoint offers three types of SNPs:

    • Chronic Condition SNP: Designed to meet the needs of members living with certain chronic conditions, such as diabetes, congestive heart failure and cardiovascular disease.

    • Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

    • Institutional SNP: For people living in a Wellpoint network nursing home or assisted living community, or another plan-approved location.

Wellpoint Medicare Advantage service area

Wellpoint offers Medicare Advantage plans in six states.

Wellpoint's parent company, Elevance Health, is the fourth-largest for-profit Medicare Advantage provider. Wellpoint-branded plans cover more than 125,000 Medicare Advantage beneficiaries.

About Wellpoint

Wellpoint's parent company, Elevance Health, is headquartered in Indianapolis, Indiana, and was formed in 2004 out of a merger between WellPoint Health Networks and Anthem. In 2022, the company changed its name to Elevance Health, but it still sells Medicare products under a number of brands, including Wellpoint.

Wellpoint offers individual and family plans, dental and vision coverage, Medicare Advantage, Medicare Supplement Insurance and Medicaid plans.

Wellpoint customer service

Here’s how Wellpoint members can contact customer service:

  • Call the number on the back of your ID card, available Monday to Friday from 8 a.m. to 8 p.m. Eastern time.

  • Chat live with a member services representative once you’ve logged into your account online. 

Compare Medicare Advantage providers

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Wellpoint Medicare Advantage
Wellpoint
3.34
CMS Star Rating
Wellpoint plans are affordable but not widely available, and they score below-average in terms of Medicare stars and member satisfaction.
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Wellpoint plans are affordable but not widely available, and they score below-average in terms of Medicare stars and member satisfaction.
States available 6 states
Members in high-rated plans Low (49% or less)
Member experience 2.11 (Below average)
IS THIS PROVIDER AVAILABLE IN MY STATE?

NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

Medicare Advantage review methodology

The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.

NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.

Compare Medicare Advantage plans

Insurance company
CMS star rating
States available
Members in high-rated plans
Member experience
Learn more
(855) 821-0556 / TTY 711
Call UnitedHealthcare
from UnitedHealthcare
Advertisement
UnitedHealthcare Medicare Advantage logo
UnitedHealthcare
(855) 821-0556 / TTY 711
Call UnitedHealthcare
from UnitedHealthcare
3.95
3.95/5
49 states and Washington, D.C.Medium (50% to 84%)3.41 (Average)
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Humana Medicare Advantage logo
Humana
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
3.63
3.63/5
48 states, Washington, D.C., and Puerto RicoLow (49% or less)3.62 (Above average)
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Aetna Medicare Advantage logo
Aetna
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
4.29
4.29/5
44 states and Washington, D.C.High (85% to 100%)4.01 (Above average)
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Cigna Medicare Advantage logo
Cigna
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
3.97
3.97/5
29 states and Washington, D.C.Medium (50% to 84%)3.82 (Above average)