Molina Healthcare Insurance Review [2024]

If you’re searching for affordable health insurance, you may come across Molina Healthcare plans that provide Medicaid, Medicare, and Marketplace policies. Molina may be able to provide low rates with adequate coverage. However, some people are concerned with the company’s level of customer service.

Read more about Molina’s health insurance plans, how much they cost, how to contact the company, and more.

You can also enter your ZIP code into our free quote comparison tool above to find health insurance plans that are comparable to the plans available from Molina Healthcare.

What does Molina Healthcare insurance cover?

Molina Healthcare provides a few different health insurance plans that include Medicaid and Medicare coverage, a Children with Special Health Care Needs (CSHCN) plan, Molina Dual Options plans, and plans from the Health Insurance Marketplace.

Molina is partnered with state governments to provide Medicaid and Medicare coverage. Therefore, the policies will cover everything that is included in your state’s Medicaid or Medicare insurance.

Molina’s Medicaid plan may cover services such as ambulance transportation, behavioral health services, limited dental coverage, diagnostic services, emergency care, hospice care, inpatient hospital care, outpatient coverage, prescriptions, and more. In addition, Molina provides the following:

• Transportation
• Nurse advice line
• Three months of Amazon Prime
• Health management services
• Care management services
• Vision coverage

In terms of Molina’s Medicare plans, the company does not provide Original Medicare. However, it does sell Medicare Part C (Medicare Advantage), Medicare Part D (Prescription Drugs), a combination of Part C and Part D, and Medicare supplement (Medigap) insurance.

The Molina Dual Options plans are for people who qualify for both Medicaid and Medicare. If they have a Dual Options plan from Molina, they can receive benefits from both programs.

Individuals who do not qualify for Medicaid or Medicare can buy a Molina Healthcare insurance policy by searching the Health Insurance Marketplace. There are four different levels of plans that range from a catastrophic plan (one that requires you to pay for all care until you meet your deductible after which the policy covers everything) to plans that have no deductibles.

Molina may also provide state-specific plans.

Read more: Arcadian Health Plan, Inc.: Customer Ratings & Reviews

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How much is Molina Healthcare insurance?

Molina Healthcare insurance rates may be lower than other companies’ rates. However, the rates may vary fairly drastically based on location and demographics. To give you an idea of what you might pay, take a look at the following sample rates.

A small family with two parents aged 35 and two kids aged three and seven may pay $1,070 per month. An older married couple both aged 45-50 years old with no pre-existing conditions may pay $695 per month. An older individual aged 45-50 years old with no pre-existing conditions may pay $420 per month.

How is the Molina Healthcare insurance company rated?

Unfortunately, Molina Healthcare companies are not rated by A.M. Best. Therefore, we aren’t sure of the company’s financial strength. In addition, many Molina Healthcare companies have not received an NAIC complaint index rating, which most likely indicates that the company is so small that it doesn’t receive many complaints due to its relatively small number of policyholders.

Molina Healthcare has an F rating from the BBB. Online reviews also cite multiple issues with the company’s services. For example, many customers complain of hours worth of hold times when trying to contact Molina. Others complain of claims being denied, even after proving the presence of a covered health issue. Finally, multiple reviews state that most of the Molina healthcare providers (listed on Molina’s website) do not actually accept Molina insurance.

How do I get quotes or file claims?

To receive Molina Healthcare insurance quotes, you can fill out the contact form on Molina’s website. The form requires your name, ZIP code, phone number, optional email, and preferred time to receive a call back. However, you can also contact Molina directly by calling (866) 856-8295 to learn more about its policies.

In most cases, policyholders are not required to file claims for health insurance. Your provider should be able to manage the entire claims process by using their Molina Healthcare provider login. However, you can always call Molina if you have questions regarding claims.

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How do I contact Molina Healthcare?

The easiest way to contact Molina is to use one of its phone numbers. However, the Molina Healthcare phone number that you will need is based on the type of health insurance plan that you have. Below are the phone numbers for each plan type:

• Medicaid: (866) 209-1126
• Medicare: (866) 472-4584
• Molina Dual Options: (866) 856-8295
• Marketplace: (888) 296-7677
• Billing and payments: (800) 339-8459

You could also contact Molina by filling out the contact form on its website to have someone call you back.

Should I buy Molina Healthcare insurance?

Molina Healthcare insurance is not for everyone. To begin with, it is only available in California, Florida, Idaho, Illinois, Michigan, Mississippi, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin. Therefore, if you don’t live in one of these states, you won’t be able to buy a Molina policy.

Molina is also only available to people who qualify for Medicaid or Medicare or those who want to buy a health insurance policy from the Health Insurance Marketplace. The company may be fitting for low-income families and individuals who cannot afford more expensive coverage.

However, potential customers should keep in mind that lack of reputation from Molina. It doesn’t have any major reviews or ratings from reputable companies, and many customer reviews claim bad service.

If you would like to compare health insurance policies to affordable Molina Healthcare insurance policies, enter your ZIP code into our free quote comparison tool below.