Individual Health Insurance Company GuidesSelectHealth

A Guide to Individual Health Insurance from SelectHealth

This guide will help you better understand the individual and family health insurance options available from SelectHealth.
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States
Utah
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SelectHealth Individual Health Insurance Company Overview

SelectHealth is the most popular individual health insurance company servicing Utah. We estimate SelectHealth serves more than 85% of all Utahns who buy their own coverage. That’s roughly 170,000 Utahns. 

SelectHealth is a subsidiary of Intermountain Healthcare. It is well-known for it's provider networks which give access to Intermountain facilities.

SelectHealth offers many different types of plans. Some plans include low deductibles and copays. Other plans are high-deductible. These include “HSA-qualified” plans. HSA stands for health savings accounts. HSA-qualified plans allow policyholders to contribute to HSAs tax-free.

Click here to download the SelectHeath 2021 brochure.

SelectHealth Provider Networks

SelectHealth offers the choice of two networks: Med and Value. 

The Med network covers the entire state of Utah and offers more in-network providers.

The Value network offers a subset of the Med network. Do you live in Box Elder, Tooele, Weber, Davis, Morgan, Salt Lake, Summit, Wasatch, and Utah county? If so, you can choose the Value network if it makes sense for your situation.

If you live in a zip code covered by the Value network, you will have the option to pick your network. Otherwise, you will default to the Med network.

The Med network covers more geography and providers than the Value network. Thus, it costs more. A plan with the Med network will cost more than the same plan with the Value network. 

You can use SelectHealth's provider lookup tool to search providers in each network. 

Here’s a visual overview of each network.

Source: SelectHealth

When you look at a SelectHealth plan, be sure to note whether it is the Med or Value network version.

SelectHealth Offers, Perks, and Discounts

SelectHealth offers a Wellness Rewards program for Utah gym memberships and physical fitness. Anybody who is age 18+ and on an individual and family plan is eligible. In Utah, you can earn up to $240 per person/year, or $480 per family/year. SelectHealth also rewards physical activity. You can use Virgin Pulse to track your steps and then claim your reward. SelectHealth invests in your long-term health. 

SelectHealth offers Member Discounts to all its policyholders. These include discounts and savings on health-related services. Examples include LASIK, hearing aids, tattoo removal, and gym memberships.

SelectHealth also offers access to several wellness programs. Weigh to Health is a program for adults who want to lose weight, improve their health, and feel better. Most SelectHealth plans also cover the Quit for Life program.

SelectHealth offers a mail-order system for prescription drugs. You can have your medications delivered to you at no extra charge.

SelectHealth Virtual Care Coverage

All individual and family plans include $0 Intermountain Connect Care Virtual Visits. These visits allow you to talk with a provider 24/7 with live video. These visits have no out-of-pocket costs for policyholders. 

SelectHealth COVID-19 Coverage

SelectHealth and Intermountain Healthcare have options for COVID-19 testing, treatment, and guidance. SelectHealth individual and family plans cover in-network testing and treatment for COVID-19. Intermountain Healthcare has a COVID-19 Hotline. There is also an Online Symptom Checker. You can check COVID-19 testing locations. 

SelectHealth Customer Service

SelectHealth is well known for its customer service. It offers two customer service resources. SelectHealth Member Services answers questions about your insurance plan. And Member Advocates answers questions about providers and appointments.

Where can I buy SelectHealth coverage?

You can buy a SelectHealth plan on the Utah Marketplace and off of it. Most plans are available both on-marketplace and off-marketplace. In 2021, the following SelectHealth plans are only available off-marketplace:‍

2021 SelectHealth individual health insurance plans available in Utah

Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 6900
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$6,900
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$6,900
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
0%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 5900
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$7,000
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$5,900
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
40%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Gold
QuoteQuoteDetails
SelectHealth Gold 1500
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$6,000
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$1,500
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
20%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Silver
QuoteQuoteDetails
SelectHealth Silver 2500
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$2,500
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
50%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Silver
QuoteQuoteDetails
SelectHealth Silver 3000
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$3,000
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
40%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Silver
QuoteQuoteDetails
SelectHealth Silver 3300 (Off-Marketplace Only)
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$3,300
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
50%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 3800
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$3,800
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
50%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 5300 (Copay)
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$5,300
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
50%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Silver
QuoteQuoteDetails
SelectHealth Silver 6500
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$6,500
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
50%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 6800
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$6,800
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
40%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 7800
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$7,800
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
40%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Catastrophic
QuoteQuoteDetails
SelectHealth Catastrophic 8550
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$8,550
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Bronze 8550
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$8,550
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
0%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
Bronze
QuoteQuoteDetails
SelectHealth Expanded Bronze 8550
Premium
?
How much this plan will cost you on a monthly basis.
Requires Quote
Out-of-pocket max
?
An out-of-pocket maximum is the most you'll have to pay in a year for covered health care services. Once you hit your out-of-pocket maximum, your plan pays 100% of covered services.
$8,550
Deductible
?
An annual deductible is the amount your health plan requires you to pay for health care each year, before your plan-wide coinsurance kicks in. Before you meet this amount, you are required to pay full price unless you have copays or pre-deductible coinsurances for some services.
$8,550
Co-insurance
?
Co-insurance is the percentage of costs you pay after you've hit your deductible. Plan-wide co-insurance only applies after you hit your deductible (and until you hit your out-of-pocket maximum).
0%
HSA-eligible?
?
An HSA-eligible plan allows you to contribute to a tax-advantaged Health Savings Account to cover your out-of-pocket maximum and deductible with pre-tax dollars.
Type of network
HMO
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