Health Insurance

Centene Health Insurance Reviews And Ratings

Updated on
Centene Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 78%
Who Plan to Renew 86%
AM Best Financial Strength Ratings NR

About HealthCare Services Corp

Contact Centene314-725-4477
Corporate headquarters7700 Forsyth Boulevard
St. Louis, MO 63105

Founded in 1984 as a nonprofit Medicaid plan by a former hospital bookkeeper, Elizabeth “Betty” Brinn, Centene has grown into a $60 billion company that employs over 69,000 people and covers 23 million managed care members

Over the years it has acquired a variety of healthcare businesses including Opticare, a vision management services company; US Script, a pharmacy benefit management services company; and Cardium, a disease management services company. These companies currently operate as Envolve. In 2011, Centene formed a correctional healthcare services company that operates under the name Centurion.

In 2014, the Ambetter brand was introduced which offers Health Insurance Marketplace products and in 2016, Centene acquired Health Net and launched the Envolve brand for specialty whole-health solution companies.

Finally, in 2020, Centene joined forces with WellCare and is now serving more than 23 million members across all 50 states in the U.S.

Centene offers the following Coverages:

  • Medicaid
  • Medicare Advantage
  • Medicare Supplement
  • Special Needs
  • Medicare-Medicaid (MMP)
  • Health Insurance Marketplace: Plans are designed to be affordable, comprehensive solutions for lower-income individuals and families who may not qualify for Medicaid or other government coverage.
  • Federal services: The Federal Services division of Centene Corporation provides high-quality, cost-effective managed healthcare programs and behavioral health services to public sector employees and beneficiaries
  • Correctional healthcare: Centene offers healthcare and staffing to correctional systems via a subsidiary, Centurion, a national provider of healthcare and staffing services to correctional systems and other government agencies.

Centene’s main audience is uninsured, underinsured, and low-income individuals. Centene is currently the largest Medicaid managed care organization in the country, and a leader in California, Florida, New York, and Texas, four of the largest Medicaid states.

Value-added options:

  • Specialty Pharmacy
  • Pharmacy Benefit Management (PBM)
  • Dental
  • Vision
  • Nurse Advice Line & After-Hours Support

Health Insurance Policies Offered:

  • Health insurance marketplace plans
  • Medicaid
  • Medicare Advantage
  • Medicaid-Medicare dual-eligible plans

Best Health Insurance Companies 2021: Centene Corporation

Centene is one of the largest health insurance companies for government-sponsored health plans in the country. It recently joined forces with WellCare and is now serving more than 23 million members across all 50 states in the United States. Centene is currently the largest provider of government-sponsored health plans.

Centene specializes in Medicaid, Medicare Advantage plans, Medicare supplemental coverage as well as health insurance marketplace plans. In addition, they provide health services to public sector employees and correctional institutions. Centene also offers dental, vision and pharmacy benefit management services to its policyholders.

Centene Corporation is an excellent choice if you are searching for government-sponsored health insurance or an affordable policy in the health insurance marketplace. Centene is well-reviewed for both their policy options as well as their focus on whole-person wellness which is a central element of their healthcare programs.

How Centene insurance stacks up

Centene received 3.5 out of 5 stars in our annual Best Health Insurance Companies review. They earned a consistent 3 to 3.5 out of 5 stars in every category including claims, price, customer service and website & apps.

When we asked Centene customers if they would recommend Centene to others, 78% said yes. Eighty-six percent of Centene customers said they planned to renew with Centene.

How likely customers would recommend this company?

50% I would definitely recommend this company
28% I would probably recommend this company
14% Neutral
7% I would probably not recommend this company
1% I would not recommend this company

Reasons for Buying

Customers of Centene originally decided to purchase from the company for these reasons:
  • 23% It's a health plan my employer offers
  • 22% Saw TV commercial
  • 18% Reputation
  • 18% Saw online ad
  • 8% Recommended by friend or family member
  • 6% Offered best price
  • 3% My parent's health company
  • 2% The company website and mobile apps are easy to use and helpful
  • 0% I have/had other insurance with this company

Would you renew?

  • 86% Yes
  • 14% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 30%
  • Fairly satisfied / Fulfills my needs OK 23%
  • Average website and apps 24%
  • Very unsatisfied / digital offering is severely lacking 9%
  • Unsatisfied / website and/or apps are not fulfilling my needs 13%

How do you prefer to deal with insurer and policy?

  • In person 31%
  • Phone 40%
  • Email 13%
  • Interactive website 10%
  • Mobile App 6%

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Centene’s customer complaint ratio for Individual Health insurance is 17.39
Centene’s customer complaint ratio for Group Health insurance is 7.52

In which states is Centene available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

144 Reviews. 3.5 Stars out of 5
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