Centene Corporation United States Insurance Plans

Complete List of Insurance Plans Offered by Centene Corporation – USA

Centene Corporation is one of the largest healthcare insurers in the United States, focusing primarily on government-sponsored programs such as Medicaid, Medicare, and the Health Insurance Marketplace. What sets Centene apart is its mission-driven approach to serving underinsured and vulnerable populations, delivering accessible healthcare across all 50 states through its local health plans.

Below is the comprehensive breakdown of all the insurance plans offered by Centene Corporation in the United States.

1. Medicaid Managed Care Plans

Centene is a national leader in Medicaid. It contracts with state governments to provide health insurance to low-income individuals and families.

Key Features:

  • Preventive and primary care

  • Specialist and emergency services

  • Maternity and pediatric care

  • Behavioral health and substance abuse services

  • Prescription drug coverage

  • Dental and vision (in most states)

Age Eligibility:

  • Infants to adults (birth to 64 years)

  • Includes children, pregnant women, families, seniors, and people with disabilities

Premium & Cost:

  • Typically $0 premium

  • Low or no copays based on state eligibility

Coverage Regions:

  • Offered under brands like Sunshine Health (FL), Peach State Health Plan (GA), Buckeye Health Plan (OH), and others depending on the state


2. Medicare Advantage Plans (WellCare)

Through its WellCare brand, Centene offers a wide range of Medicare Advantage (Part C) plans to eligible seniors and disabled adults.

Plan Types:

  • HMO and PPO Medicare Advantage Plans

  • Special Needs Plans (SNPs) for dual-eligible (Medicare + Medicaid) or chronic illnesses

  • Medicare Part D (Prescription Drug Plans)

Benefits:

  • Hospital and medical coverage (Part A & B)

  • Prescription drug coverage (Part D)

  • Dental, vision, and hearing benefits

  • Over-the-counter allowances

  • Transportation and fitness programs (SilverSneakers)

Age Eligibility:

  • Primarily 65+

  • Also available for adults under 65 with qualifying disabilities

Costs:

  • Monthly premiums: $0–$100 depending on plan and location

  • Deductibles: Usually $0 for in-network care

  • Maximum out-of-pocket: Typically $3,500–$7,000 per year


3. Health Insurance Marketplace Plans (Ambetter)

Centene operates its Affordable Care Act (ACA) Marketplace plans under the Ambetter brand, available in over 27 states.

Plan Tiers:

  • Ambetter Essential Care (Bronze)

  • Ambetter Balanced Care (Silver)

  • Ambetter Secure Care (Gold)

  • Ambetter Select / Value / Virtual Access (custom plans by region)

Key Benefits:

  • Preventive and primary care

  • Emergency and hospital services

  • Maternity, mental health, and lab services

  • Pediatric dental and vision

  • 24/7 telehealth included

  • Wellness reward programs

Age Eligibility:

  • Adults and families aged 18 to 64

  • Children can be added as dependents

Coverage Details:

  • Bronze: Lower premiums, higher deductibles (ideal for healthy individuals)

  • Silver: Balanced option, may qualify for cost-sharing reductions

  • Gold: Higher premiums, low out-of-pocket costs (ideal for frequent care)

Average Costs:

  • Premiums: $200 to $600/month based on age, location, and subsidies

  • Deductibles: $2,000 to $8,700 depending on plan tier


4. Children’s Health Insurance Program (CHIP)

Centene also manages CHIP programs in several states, providing coverage to children in families that earn too much for Medicaid but can't afford private insurance.

Benefits:

  • Doctor visits, immunizations

  • Dental and vision

  • Prescription medications

  • Hospital and emergency care

  • Mental and behavioral health services

Age Group:

  • Children from birth up to 19 years

Cost:

  • Free or low-cost based on family income and state program

Insurance Plans Available in Centene Corporation United States

5. Foster Care and Long-Term Services and Supports (LTSS)

Centene provides specialized care plans for foster children and individuals with chronic illnesses or long-term care needs.

Foster Care Benefits:

  • Behavioral and trauma-informed care

  • Care coordination

  • Special education support

  • Crisis response services

LTSS Benefits:

  • Home and community-based care

  • Skilled nursing facility coverage

  • Chronic condition management

  • Transportation for medical needs

Age Eligibility:

  • Children in foster systems (0–18)

  • Adults and seniors with chronic health conditions or disabilities


6. Correctional Healthcare Plans

Centene also partners with correctional institutions to manage inmate health services, ensuring compliance, cost-efficiency, and continuity of care.

Services Include:

  • Physical and mental health services

  • Chronic disease management

  • Dental and substance abuse treatment

  • Reentry planning and care transitions

Population:

  • Incarcerated individuals aged 18+

  • Juvenile detainees (via state-specific programs)


7. Behavioral Health and Substance Use Plans

Offered as integrated services in nearly all plans, or as standalone programs through Cenpatico (a Centene subsidiary).

Services Covered:

  • Depression, anxiety, bipolar disorder treatment

  • Substance use disorder rehab and detox

  • Crisis response and inpatient mental health

  • Telepsychiatry and counseling

Age Group:

  • All age groups, including minors and seniors

Cost:

  • Included in Medicaid, Medicare Advantage, and Ambetter plans

  • No added cost for Medicaid and low-income qualified individuals


8. Vision and Dental Add-ons

For Ambetter and Medicare plans, dental and vision are often included, but members can purchase riders for enhanced coverage.

Dental Covers:

  • Preventive care

  • Fillings, crowns, and dentures

  • Orthodontics (in some plans)

Vision Includes:

  • Eye exams

  • Glasses and contact lenses

  • Discounts on LASIK


✅ Summary

Centene Corporation offers a powerful and wide-reaching portfolio of health insurance plans tailored to the needs of lower-income, underserved, and aging populations in the U.S. With brands like Ambetter, WellCare, and Health Net under its umbrella, Centene ensures comprehensive access to quality care for millions. From government-backed programs like Medicaid and Medicare to marketplace ACA coverage and specialty plans for foster youth and those with chronic conditions, Centene leads with affordability, innovation, and care integration.

To explore all their plans or enroll, visit the official site below:

https://www.centene.com



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