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Wellpoint plans — formerly Amerigroup — offer flexible benefits but have below-average ratings and a limited service area.
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Kate Ashford, CSA® Lead Writer | Medicare, retirement, personal finance
Kate Ashford is a writer and NerdWallet authority on Medicare. She is a certified senior advisor (CSA)® and has more than 20 years of experience writing about personal finance. Previously, she was a freelance writer for both consumer and business publications, and her work has been published by the BBC, Forbes, Money, AARP, LearnVest and Parents, among others. She has a degree from the University of Virginia and a master’s degree in journalism from Northwestern’s Medill School of Journalism. Kate has appeared as a Medicare expert on the PennyWise podcast by Lee Enterprises, and she's been quoted in national publications including Healthline, Real Simple and SingleCare. She is based in New York.
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
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
3.32
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
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 3.32 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
UnitedHealthcare
3.93
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
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: 3.32
Wellpoint Medicare Advantage plans are rated below the industry average, receiving an average rating of 3.32 stars out of 5 from CMS for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.95.
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.
. 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:
HMO plans
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-POS plans
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.
SNPs
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 135,000 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
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
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
3.32
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Wellpoint plans are affordable but not widely available, and they score below-average in terms of Medicare stars and member satisfaction.
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
States available
6 states
Members in high-rated plansPercentage of members who are in rated contracts with a Medicare star rating of 4 or higher.
Low (49% or less)
Member experienceThe average of CMS' star ratings for quality measures in the domain "Member Experience with the Health Plan," weighted by contract enrollment.
2.24 (Below average)
IS THIS PROVIDER AVAILABLE IN MY STATE?
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
Pros
Three-quarters of plans are $0 premium.
For plans with a monthly premium, the average cost for a standard Medicare Advantage plan is lower than that of bigger providers.
Cons
Available in only six states.
Below-average star ratings and member experience scores.
Offers only HMO and HMO-POS plans.
States available
6 states
Members in high-rated plansPercentage of members who are in rated contracts with a Medicare star rating of 4 or higher.
Low (49% or less)
Member experienceThe average of CMS' star ratings for quality measures in the domain "Member Experience with the Health Plan," weighted by contract enrollment.
2.24 (Below average)
IS THIS PROVIDER AVAILABLE IN MY STATE?
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
PROS & CONS
Pros
Three-quarters of plans are $0 premium.
For plans with a monthly premium, the average cost for a standard Medicare Advantage plan is lower than that of bigger providers.
Cons
Available in only six states.
Below-average star ratings and member experience scores.