AmeriHealth Insurance Company Review

The pros, cons and reviews
Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


AmeriHealth at a Glance

  • Founded in 1995 as Delaware Valley HMO
  • Offers a selection of group and individual health plans in New Jersey and Pennsylvania
  •  “A+” (excellent) rating by Better Business Bureau (BBB)
  • Works with independent insurance agents

AmeriHealth Pros: AmeriHealth is a regional health insurance carrier that offers several group and individual health insurance plans in New Jersey and Pennsylvania. The company offers a range of plans to meet most budgets. Plans can be purchase with the help of independent insurance agents and brokers. AmeriHealth health insurance policies offer access to national and regional preferred provider networks, depending on the plan. The carrier offers 24/7 virtual care benefits, and mobile tools to make service easy.

AmeriHealth Cons: AmeriHealth is not a BBB-accredited business, nor is the carrier rated by A.M. Best, making it difficult to assess its financial stability. Online customer service reviews are hard to find, and mostly negative.

What Types of Insurance Does AmeriHealth Offer?

AmeriHealth offers a variety of individual and group health plans for customers in New Jersey and Pennsylvania, including the following:

  • HMO (health maintenance organization)
  • EPO (exclusive provider organization)
  • Dental insurance
  • Vision Insurance

AmeriHealth also offers a high-deductible health plan with a health savings account (HSA) option for employer groups. The best way to choose the plan that’s right for you is to work with an independent insurance agent, who can help you assess your needs and find the plan that fits your budget.

What to Know about AmeriHealth

AmeriHealth was founded in 1995 as Delaware Valley HMO, and originally served a small portion of Pennsylvania. Over time, the carrier expanded into New Jersey. Today, AmeriHealth operates as a subsidiary of Independence Blue Cross.

The company offers individual and group health insurance with both HMO and PPO plans. Managed care for Medicare and Medicaid and workers' compensation insurance are sold through separate companies.

The company’s headquarters are located in Cranbury, New Jersey, although they have offices across the coverage area. Health insurance plans are sold through brokers and independent agents.

AmeriHealth has received an A+ rating from the BBB, but it does not have an A.M Best rating as an individual entity.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What Discounts Does AmeriHealth Offer?

AmeriHealth does not publish any premium discounts that it offers to its policyholders. The company does offer a reward program that allows members to take advantage of special member-only deals on national, regional, and local businesses, attractions, and events, including:

  • Amusement park tickets
  • Merchant gift certificates
  • Hotels
  • Online shopping and service discounts

The company also encourages healthy lifestyles by offering discounts on gym memberships, fitness wearables, fitness education programs, and home fitness equipment through GlobalFit’s GymNetwork 360. An independent insurance agent can help you learn more about the special wellness programs offered by AmeriHealth, as well as other ways to save on your health insurance premiums.

AmeriHealth Customer Service

Here's what to know about AmeriHealth’s customer service options:

  • Phone contact Monday – Friday, 8:00 am to 6:00 pm EST
  • Find a provider, manage claims, and more online via the AmeriHealthExpress member portal
  • Customer service department has the following hour restrictions:

Hours (EST)

Monday-Friday 8:00 am - 6:00 pm

AmeriHealth encourages its customers to work with their independent insurance agents, who can provide even more personalized service. If you have questions or concerns about your policy, an independent agent can advocate on your behalf--no impersonal call to a customer service line necessary.


Find The Right Company Today.

Shopping for a company? We have the right one for you.

AmeriHealth FAQ

What is AmeriHealth’s average claims response time frame?

Since AmeriHealth is a healthcare company, in most cases providers will bill directly for services and the insured will then receive a bill for any coinsurance that is due, or any amount not covered. The carrier does not publish an average claims response time.

What is AmeriHealth’s customer service availability?

AmeriHealth offers customer services by phone Monday – Friday, 8:00 am to 6:00 pm EST. The carrier also offers an online member portal,, that allows you to access all of your benefits and claims information in one convenient location. Members can manage their accounts, find a doctor or hospital, view claims and benefits, and help manage their health through personalized tools and resources.

Members are also encouraged to receive personal service by working directly with their independent insurance agent.

What is AmeriHealth’s claims process?

Since AmeriHealth is a healthcare company, in most cases providers will bill directly for services and the insured will then receive a bill for any coinsurance that is due, or any amount not covered.

Your independent insurance agent is always there to help you with any claims questions or concerns.

Does AmeriHealth create a user-friendly experience for customers?

AmeriHealth offers members a convenient online portal that helps them get the most from their benefits anytime and anywhere. AmeriHealthExpress can be accessed on a computer or via a mobile app. From there, individual customers can download a temporary ID card, find a doctor or healthcare facility, and search for medication prices.

Employer group administrators can manage member health benefits, view employee benefit information, view member coverage history, manage invoices, and pay bills.

Does AmeriHealth have good health insurance?

AmeriHealth offers a variety of health insurance options for individuals and businesses in New Jersey and Pennsylvania. In addition to plan options and flexible networks, every plan includes preventive care, wellness services, and disease management services. Every plan includes coverage for emergency care, ambulatory services, lab services, and mental health and substance abuse services. Plans also cover rehabilitation services, and maternity and newborn services. (All coverage is subject to individual plan details and network restrictions.)

Is AmeriHealth a good insurance company?

AmeriHealth has been offering health insurance plans in New Jersey and Pennsylvania since 1995. While it offers flexible plans, several network options, and a helpful online portal, the company receives mostly negative online reviews for its customer service performance. While the company may offer solid plan options, its customer responsiveness appears to be lacking.

AmeriHealth Customer Reviews

Consumer Affairs
5 Stars
“I just want to note an excellent customer service experience I had with AmeriHealth. It's hard dealing with health insurance, and she was a lovely and friendly person who answered all my questions accurately and efficiently. I'm glad to have talked to her! Great customer service!”

Consumer Affairs
“Unfortunately, I chose AmeriHealth because the monthly premium was $100 less per month. What a mistake. I have never had such a bad experience with any company in my life and as this is regarding my healthcare, it is important. On hold yesterday for 45 minutes and never got anyone to pick up.”

Consumer Affairs
“Just to pay your bill you have to go through an outside vendor. It's been 4 days waiting for them to process my payment. I'm not sure if I have insurance or not, but I'm not going to wait 2 hours on the phone to talk to someone. They raise rates every year and the coverage sucks.”'s Final Review

We award AmeriHealth a final rating of 2.3 out of 5 stars. AmeriHealth has an adequate selection of health plans and networks available for individuals and businesses in New Jersey and Pennsylvania. The company also has the backing of parent company Independence Blue Cross.

But the company also has mostly negative reviews online, and numerous complaints to the BBB often noting the company’s failure to respond to the complaints. Most of the complaints revolve around the company’s failure to pay claims and less-than-stellar customer service. Many also report difficulties with an outsourced vendor that processes premium payments. Luckily, the easy and comprehensive online member portal can accomplish several service-related tasks.

We think it’s worth considering AmeriHealth for your health insurance needs if you live or own a business in its service area. But you should do so with the help of an independent insurance agent who can show you multiple options and help you choose the best health insurance company for your needs.

You can use our directory to find the best insurance companies to meet your needs. Locate companies that specialize in your specific coverage needs and get connected to an agent near you. 

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn