Allwell is one of the Medicare Advantage brands operated by Centene Corporation, a national health plan with a focus on government programs including Medicaid and Medicare. Allwell offers Medicare Advantage in 16 states through state-specific health plans. It offers some lower-cost plan options and a standard range of extra benefits. Allwell largely does not participate in standard industry quality ratings, making it hard to judge its quality against the competition. Where it is rated, the plans do not necessarily score all that well.
- Pros & Cons
- Key Takeaways
- Company Overview
Part of one of the largest Medicare Advantage insurers in the country
State-specific branding and services
Range of extra benefits
Relatively low ratings from health plan accreditation agency
No stand-alone Prescription Drug Plans
Disjointed online experience
- A Medicare Advantage brand of Centene Corporation
- Offers plans in 16 states, mostly in the Midwest, Southeast, and Southwest
- Few plans rated by NCQA; those that are rated do not score particularly well
- Lower average quality of plans rated by CMS, though many are too new to report data
Allwell is one of Centene Corporation’s Medicare Advantage brands. Centene is one of the largest Medicaid health plans in the U.S. and has expanded its Medicare business. In 2020, Centene acquired WellCare and operates additional Medicare plans through Fidelis Care in New York and Health Net in California and Oregon. Centene is based in St. Louis, Missouri, and serves more than 25 million members nationwide. Across all its Medicare Advantage brands, Centene offers plans in 31 states. In the 2020 rankings of Medicare Advantage plans by membership, Centene was ranked ninth largest.
Allwell offers Medicare Advantage plans in 16 states, mostly in the Midwest, Southeast, and Southwest. In each state, Allwell operates health plans with different names:
|Arizona||Arizona Complete Health|
|Arkansas||Arkansas Health and Wellness|
|Georgia||Peach State Health Plan|
|Indiana||Managed Health Services (MHS)|
|Kansas||Sunflower Health Plan|
|Louisiana||Louisiana Healthcare Connections|
|Missouri||Home State Health|
|Nevada||Silver Summit Health Plan|
|New Mexico||Western Sky Community Care|
|Ohio||Buckeye Health Plan|
|Pennsylvania||PA Health and Wellness|
|South Carolina||Absolute Total Care|
|Wisconsin||MHS Health Wisconsin|
- Year Founded 2018
- Kinds of Plans Medicare Advantage HMO, PPO, and Dual-eligible Special Needs Plans
- Number of Plans 3
- Payment Options Online, mail, or via automatic bill pay
- Customer Service Telephone, online, or request a call back via online form
- Phone Number Allwell offers state-specific phone numbers for prospective and current members
- Official Website www.allwellmedicare.com
- Part of one of the largest Medicare Advantage insurers in the country: Centene, Allwell’s parent company, has a large national presence in Medicare, which it has recently expanded.
- State-specific branding and services: Each Allwell plan has its own local brand identity, website, and customer service. This state-specific approach can create a disjointed online experience if you’re trying to get a view into the company overall, but it also means that you can get just the information and service you need in your home state.
- Range of extra benefits: Extra benefits vary by state and plan, but Allwell offers a nice range of member perks. Members may get telehealth, dental, vision, and hearing benefits, as well as meal, transportation, and over-the-counter supplemental support. Allwell also offers My Health Pay, which provides financial rewards for healthy behaviors.
- Relatively low ratings from health plan accreditation agency: Most Allwell plans are not rated by the National Committee for Quality Assurance (NCQA), one of the main health plan quality organizations. The two Allwell plans that are rated earned just 2.5 and 3.0 out of 5.0, but scored worse on measures of customer satisfaction.
- No stand-alone Prescription Drug Plans: Allwell offers only Medicare Advantage plans, including HMO, PPO, and Special Needs Plans. If all you need is supplemental prescription drug coverage, Allwell does not have options for you.
- Disjointed online experience: Each state where Allwell operates has its own website so it is not easy to get an overview or learn about the plan overall. From the homepage of Allwell, you can click a state to go to its website. From there, you must put in your postal code to shop for plans and see which ones are available in your area. This process is not very streamlined.
Medicare Advantage Plans
Allwell offers several types of Medicare Advantage plans, including HMO, PPO, and two kinds of Special Needs Plans: Chronic Condition Special Needs Plans (C-SNP) and Dual-eligible Special Needs Plans (D-SNP). Most HMO plans limit members’ choice of providers, whereas PPO plans are more flexible. Many Allwell HMO plans include prescription drug coverage along with extra benefits. D-SNPs offer comprehensive coverage for people who qualify for both Medicare and Medicaid, and C-SNPs are geared toward people with chronic conditions such as diabetes or heart disease.
Allwell does not offer Medicare Supplemental (Medigap) insurance plans or stand-alone Prescription Drug Plans.
Allwell’s extra benefits vary by state and by plan within each state. In general, Allwell offers member perks such as dental coverage, vision and hearing benefits, zero-dollar telehealth visits, home-delivered meals following a hospitalization, over-the-counter supplemental benefits, the Silver and Fit exercise and fitness program, a 24-hour nurse hotline, and transportation to and from medical visits. Through My Health Pays, some members can get financial rewards for healthy behaviors such as getting vaccinations or health screenings. Specific extra benefits differ by plan.
Some Allwell members get My Health Pays, a program that gives members financial rewards for doing healthy things, like getting a flu shot or a bone density test.
Allwell customer service is set up by state. Each Allwell plan has its own website and phone numbers for prospective and current members. Customer service for both prospective and current members is available from 8 a.m. to 8 p.m. local time, seven days a week between October 1 and March 31, and Monday through Friday between April 1 and September 30.
There is no centralized customer service number for Allwell; each state has its own customer service and website to serve members and people interested in joining the plan.
|State||Prospective Members||Current Members||Website|
|Georgia||877-826-3693||HMO Members: 844-890-2326 HMO SNP Members: 877-725-7748||https://allwell.pshpgeorgia.com|
|Indiana||877-891-6093||HMO and PPO Members: 855-766-1541 HMO SNP Members: 833-202-4704||https://allwell.mhsindiana.com|
|Kansas||877-891-6094||HMO Members: 855-565-9519 HMO SNP Members: 833-402-6707 PPO Members: 833-696-0634||https://allwell.sunflowerhealthplan.com|
|Louisiana||877-891-6099||HMO Members: 855-766-1572 HMO SNP Members: 833-541-0767||https://allwell.louisianahealthconnect.com|
|Mississippi||877-826-5517||HMO Members: 844-786-7711 HMO SNP Members: 833-260-4124||https://allwell.magnoliahealthplan.com|
|Missouri||877-891-6102||HMO Members: 855-766-1452 HMO SNP Members: 833-298-3361||https://allwell.homestatehealth.com|
|Nevada||800-606-3604||HMO Members: 833-854-4766 HMO SNP Members: 833-717-0806||https://allwell.silversummithealthplan.com|
|New Mexico||866-445-1088||HMO Members: 833-543-0246 HMO SNP Members: 844-810-7965||https://allwell.westernskycommunitycare.com|
|Ohio||877-826-5518||HMO Members: 855-766-1851 HMO SNP Members: 866-389-7690||https://allwell.buckeyehealthplan.com|
|Pennsylvania||877-891-6103||HMO Members: 855-766-1456 HMO SNP Members: 866-330-9368||https://allwell.pahealthwellness.com|
|Texas||877-826-5520||HMO Members: 844-796-6811 HMO SNP Members: 877-935-8023||https://allwell.superiorhealthplan.com|
Allwell members can create online accounts which they can use to see benefits and claims information, request a new ID card, find a doctor, and communicate securely with the plan.
The National Association of Insurance Commissioners (NAIC) tracks complaints against insurance companies and compares the number of complaints to insurers’ market share. The resulting complaint index shows how proportionate insurers’ complaints are relative to their size. A complaint index of less than 1.0 suggests the insurer has disproportionately fewer complaints; greater than 1.0 means it has disproportionately more complaints.
Allwell itself is not rated by NAIC, but many of its individual plans are. In most states, Allwell plans in the NAIC database had zero complaints between 2018 or 2020; some had just one complaint in one of those years. A few plans, though, had significantly more complaints, particularly plans in Kansas, Nevada, and Ohio.
|Kansas||Sunflower Health Plan||11||16||10|
|Nevada||Silver Summit Health Plan||8||22||25|
|Ohio||Buckeye Health Plan||16||23||20|
|Kansas||Sunflower Health Plan||2.43||2.64||1.49|
|Nevada||Silver Summit Health Plan||2.80||2.99||3.69|
|Ohio||Buckeye Health Plan||3.30||3.58||4.09|
AM Best is a credit rating agency that rates insurance companies based on their financial strength. Since 2013, Centene and its related entities have not been rated by AM Best.
In 2020, J.D. Power rated Medicare Advantage plans based on member satisfaction with coverage and benefits, choice of providers, cost, customer service, plan information and communications, and financial aspects like billing and payments. Centene, Allwell’s parent company, ranked ninth out of 10 Medicare Advantage providers. Centene scored 775 points out of 1,000, which was well below the average score.
Neither Allwell nor its parent company Centene is accredited by the National Committee for Quality Assurance (NCQA), one of the main accrediting agencies for health plans. Some individual subsidiaries are in NCQA’s system but have not reported data on which to be evaluated. Only Arizona Complete Health has two plans rated by NCQA; one earned 2.5 and the other earned 3.0 out of 5.0. On customer satisfaction measures, these plans earned 1.5 and 2.0, respectively, out of 5.0.
Most Allwell plans are not rated by NCQA, a standard for evaluating health plan quality; those that are rated do not score particularly well.
Medicare Star Ratings
The Centers for Medicare and Medicaid Services (CMS) rates Medicare insurance plans on a five-point Star Rating scale. Star Ratings are based on factors such as customer satisfaction and access to care. Not every Allwell plan is rated by CMS; some are too new to be rated or don’t have enough data to be judged. Of the Allwell plans rated by CMS, the range is 3.0 to 4.5 Stars, averaging 3.36. On Part C (Medicare Advantage), Allwell plans earned between 2.5 and 4.5, with an average of 3.27. On Part D (prescription drug coverage included in the Medicare Advantage plans), Allwell’s plans get between 3.0 and 4.0 Stars with an average of 3.39.
Health plan costs include premiums, deductibles, and other cost-sharing like copayments. Prices range by geography and specific plan. The best way to find specific costs is to visit the Allwell website for your state and search for plans using your zip code. Many of these plans actually have zero monthly premiums. Some examples of Allwell plans are as follows:
HMO example with drug coverage - Allwell Medicare Boost HMO
- Monthly premium: $0
- Deductible: $0 for medical and $150 for drugs
- Annual out-of-pocket maximum: $7,550
HMO example without drug coverage - Allwell Medicare Simple HMO
- Monthly Premium: $0
- Deductible: $0
- Annual out-of-pocket maximums: $4,900
PPO example with prescription drug coverage - Allwell Medicare PPO
- Monthly Premium: $19
- Deductible: $0
- Annual out-of-pocket maximums: $9,000
Competition: Allwell vs. UnitedHealthcare
Allwell is connected with Centene, the ninth-largest provider of Medicare Advantage plans in the country. UnitedHealthcare is bigger, ranking fourth overall for Medicare Advantage members nationwide. Allwell has a decent footprint, but UnitedHealthcare is virtually nationwide. UnitedHealthcare beats Allwell on quality, as measured by the average CMS Star Ratings, and on the J.D. Power 2020 Medicare Advantage Study, where UnitedHealthcare scored 800 to Centene’s 775. Allwell has some lower average costs on certain plans, but it also offers only Medicare Advantage options. For breadth of choice, geographical coverage, and quality, UnitedHealthcare comes out on top.
|Number of States Available||16||47|
|Customer Service Options||Telephone, online, or request a call back via online form||Telephone, online, in person, chat|
|AM Best Rating||Not rated||A (Excellent)|
|Average CMS Star Rating||3.36||3.78|
Allwell is a large Medicare Advantage insurer and part of a growing network of plans in the Centene corporate family. It offers some low-priced plans, which may make Medicare Advantage coverage accessible and affordable. But buyer beware: Most Allwell plans are not rated by the primary health plan quality organizations. Though that doesn’t necessarily mean the plans are not high quality, it indicates the company has not submitted data that reflects the rigorous processes required by entities like NCQA.
How We Reviewed Medicare Providers
Even Medicare health plans with a national presence can vary locally in their cost, quality, and customer satisfaction. To evaluate Medicare plans, we looked at health insurance industry ratings from the primary accrediting agency for health plans, NCQA, and the Medicare Star Ratings from CMS, the regulatory agency that oversees Medicare. We included the National Association of Insurance Commissioners’ complaint index, and AM Best’s financial stability ratings. We also considered information from the companies on their programs and strategies.
Kaiser Family Foundation. “10 Things to Know about Medicaid Managed Care.” Accessed May 6, 2021.
Becker’s Payer Issues. “10 top Medicare Advantage plans, ranked by members.” Accessed May 7, 2021.
NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report (Medicare).” Accessed May 7, 2021.
AM Best. "A.M. Best Withdraws Ratings of Centene Corporation and Its Subsidiaries." Accessed May 7, 2021.
J.D. Power. “Medicare Advantage Plans Struggle to Communicate Effectively with Members, J.D. Power Finds.” Accessed May 7, 2021.
Center for Medicare & Medicaid Services. “Part C and D Performance Data, 2021 Star Ratings Data Table.” Accessed May 7, 2021.
Center for Medicare & Medicaid Services. “Part C and D Performance Data, 2021 Star Ratings Data Table.” Accessed May 7, 2021.