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Molina vs. CareSource Insurance
Which health insurance company is the best option for you and your family? Compare Molina and CareSource side by side.
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 Written & Edited by Fran Majidi Fran MajidiFran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about i... Read more |
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Molina vs. CareSource: What You Need to Know
Molina Healthcare was founded in 1980 by C. David Molina, an emergency room physician in Long Beach, CA. After seeing that patients were being turned away because the hospital would not accept Medi-Cal, he established his first primary care clinic in Wilmington, California in 1980. His goal was to treat the lowest-income patients. For 20 years, his son and fellow physician, J. Mario Molina, ran the company while he served as president and CEO. His younger son, John, was the CFO of Molina Healthcare. The two sons took over the company after their father’s death in 1996.
In 1989, CareSource was founded on the premise of providing quality health care coverage for Medicaid consumers. Today it offers one of the nation’s largest Medicaid managed care plans. CareSource also offers private health insurance plans on the Health Insurance Marketplace, including Medicare Advantage and MyCare Ohio plans. CareSource has more than 1.9 million members across five states. The company employs about 3,800 people and is considered a nonprofit organization.
To learn more about each company, you can check out the Molina Overview and CareSource Overview.
What is Molina and CareSource Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how Molina and CareSource ranked among the industry ratings.
| Comparison | Molina | CareSource |
|---|---|---|
| Year Founded | 1980 | 1989 |
| Medicare Star Rating | 3.5 stars (out of 5) | 2.5 stars (out of 5) |
| BBB Rating | F | A+ |
| NAIC Complaint Index | 7.17% |
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Pros & Cons of Molina or CareSource
Pros
Molina
- Affordable coverage for underserved communities, like Medicaid and Medicare recipients.
- Affordable marketplace plans for people who do not qualify for Medicaid or Medicare.
- Popular mobile app makes it easy to stay on top of your account.
CareSource
- CareSource is one of a few options that lower-income, underserved communities have for a managed health plan.
- Affordable marketplace plans with different tiers of coverage.
Cons
Molina
- Molina Healthcare only offers Medicaid plans in California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin.
CareSource
- CareSource has a high number of complaints.
Molina and CareSource Mobile Apps Options
The Molina app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill.
The CareSource app allows you to view your digital ID Card, find a doctor, file claims, make payments and more.
| Molina Mobile App | ||
|---|---|---|
| iOS | 4.6 | 1.6K users |
| Android | 2.9 | 351 users |
| CareSource Mobile App | ||
|---|---|---|
| iOS | 4 | 1K users |
| Android | 3.3 | 397 users |
Molina and CareSource Enrollment Process
Molina
Molina offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes.
Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.
CareSource
CareSource is available through the health insurance marketplace by searching plans here or you can get several free health insurance quotes with SmartFinancial.
Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. Also, remember that CareSource only covers Ohio, Kentucky, Indiana Georgia and West Virginia.
How to File a Claim with Molina and CareSource Insurance
Molina
To submit claims for reimbursement, contact member services at 1-888-898-7969. You can only inquire about 3 or fewer claims per call. You can also submit claim to: Molina Healthcare, P.O. Box 22668, Long Beach, CA 90801. You must make timely submissions of your claims or else you may forfeit your right to payment. For filing limits and instructions about electronic claims submissions with Molina Healthcare visit here.
CareSource
CareSource accepts claims in various formats, including paper and electronic claims. Reimbursement is based on the prevailing state Medicaid or Medicare fee schedule. With Marketplace Plans, you can make claims inquiries at (866) 286-9949 (Indiana), (855) 852-5558 (Kentucky), (937) 224-3300 (Ohio), (678) 214 7500, (Georgia) and (855) 202-1091 (West Virginia). Visit your app or www.caresource.com to find the right claim forms for the state in which you live.
Common Questions About CareSource and Molina Insurance
Molina
Is Molina Healthcare available in the Marketplace?
Yes, Molina Healthcare offers plans in the marketplace for states in which they offer Medicaid health plans. You can find these plans at healthcare.gov or you can compare healthcare quotes with SmartFinancial.
How does the Molina FitnessCoach® Home Fitness Program work?
If you cannot attend a fitness center or prefer to work out at home, you can enroll in the Molina FitnessCoach® Home Fitness Program for two exercise kits per calendar year. Kits may include a DVD, a booklet with general information and a “quick start” guide to help use the kit. Find out more by calling the member services agent at (855) 665-4623. These are your options:
What is Molina Medicare Complete Care?
Molina Medicare Complete Care (HMO D-SNP) is a 2020 Medicare Advantage Special Needs Plan by Molina Healthcare. This plan works beyond the original Medicare. This Medicare Part C which replaces Medicare Part A and Part B.
How does Molina Over-the-counter (OTC) Benefit work?
As a Molina Healthcare member, you will have an Over-the-Counter (OTC) benefit, which is a fixed amount to spend every quarter on any of the plan-approved OTC items, which are listed in a catalogue. You can order online at MolinaHealthcareOTC.com or mail a completed OTC Product Order Form. You can also call an OTC Advocate at (866) 420-4010.
Check out our full list of common questions about Molina.
CareSource
What type of insurance is CareSource?
CareSource’s focus is the underserved population. Most of their health plans have an income cap.
Is CareSource a HealthCare Government plan?
CareSource does offer government-subsidized plans and plans on the marketplace.
How do I know if I qualify for CareSource?
If you qualify for Medicare or Medicaid, you are eligible for CareSource. Your savings on their marketplace plans are also based on total household income. Government plans require that all incomes in the household be taken into consideration unless the person is not required to file federal taxes.
What states does CareSource cover?
CareSource covers Ohio, Kentucky, Indiana Georgia and West Virginia.
Check out our full list of common questions about CareSource.
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Molina and CareSource Insurance Contact Info
| Molina Contact Info | |
|---|---|
| Address | 200 Oceangate, Suite 100, Long Beach, CA 90802 |
| Phone | 1 (562) 435-3666 |
| Website | https://www.molinahealthcare.com/ |
| https://www.facebook.com/groups/Molinaheathcare/ | |
| Youtube | https://www.youtube.com/user/MolinaHealthcare |
| https://twitter.com/molinahealth | |
| https://www.linkedin.com/company/molina-healthcare/ | |
| CareSource Contact Info | |
|---|---|
| Address | 230 N. Main St., Dayton, OH 45402 |
| Phone | 1 (937) 224-3300 |
| Website | https://www.caresource.com/ |
| https://www.facebook.com/CareSource/ | |
| Youtube | https://www.youtube.com/watch?v=GU8XjYqtJ-0 |
| https://twitter.com/caresource | |
| https://www.linkedin.com/company/caresource/ | |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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