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News Update
We are extremely excited about the development of the Utah Health Exchange program. When
taking into consideration the different federal plan suggestions under review, perhaps the Feds should take a look at
what Utah has done. To read more
CLICK HERE.
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- Individual plans
- Employer plans
- Group sponsored plans
- HSA designs
- Traditional copay designs
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Altius Health Plan is a name well
suited for a company that is absolutely committed to the highest
standards in its products, people and service. Altius’ vision is to
be the premier health plan in Utah, providing superior customer
service to all of its partners - members, providers, employer
groups, and agents.
Altius Health Plans is truly a company looking to move higher -
higher in service, higher in product offerings, and higher in
financial stability for the Utah health insurance market. Given its
local operation and focus, its financial backing by Coventry, and
its range of plan offerings, it is a good choice for your health
insurance needs.
Altius Health Plans is proudly represented by BenefitsManager.net.
Explore this page to see if Altius Health Plan is the Utah health
insurance company for you.
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- Individual plans
- Employer plans
- Group sponsored plans
- HSA designs
- Traditional copay designs
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Humana has been a national carrier
for nearly 40 years. About 15 years ago they merged with EMPLOYERS
HEALTH. They also sold their hospital chain off throughout the
country to focus on providing affordable health insurance products.
Humana has left a positive mark in the country. They are welcomed as
new health insurance providers here in Utah. They will definitely
shake up the market with competitive pricing and unmatched technical
services. |
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- Individual plans
- Employer plans
- Group sponsored plans
- HSA designs
- Traditional copay designs
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Regence BlueCross BlueShield Utah,
with more than 600,000 customers, is the state’s largest insurer.
Its products and plans include Individual, Group, Medicare
Supplement and Life & Disability. BlueCross BlueShield Utah Members
have convenient and comprehensive access and network choices that
include 43 hospitals and 3,300 physicians. The company’s operating
expense ratio – 9.3 percent – is one of the lowest in the nation
among health insurers.
What does having BlueCross BlueShield in Utah mean to you? It means
more insurance options and better access to excellent care at a
reasonable cost! It also means knowing you are dealing with a stable
insurance company in Utah with a rich history.
Together, independent Blue Cross and Blue Shield Plans provide
health care financing for almost 66 million people, roughly one in
four Americans. Blue Cross Blue Shield Utah has the right plan for
you – 66 million people think it does.
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- Individual plans
- Employer plans
- Group sponsored plans
- HSA designs
- Traditional copay designs
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SelectHealth excites us, because,
based in Salt Lake City, is a charitable, nonprofit health care
system that serves the medical and health care needs of Utah and
Idaho residents. At SelectHealth doctors, hospitals and health plans
work together cooperatively to provide high-quality, affordable
health care for anyone with a medical need. As a nonprofit
organization, all money collected by SelectHealth is returned to the
community in the form of improved facilities, better services and
lower patient charges. As a result all SelectHealth
quotes are competitive. |
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- Individual plans
- Maternity Insurance plans
- Temporary coverage plans
- HSA designs
- Traditional copay designs
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It has finally arrived! The problem
with obtaining maternity insurance in the past was that you were
faced with maternity deductibles anywhere from $5000 to $7500 from
carriers such as ALTIUS, Regence BlueCross BlueShield and
SelectHealth/IHC. That may be fine if you are not planning for
pregnancy...but the benefit level just isn't there if you need that
specific benefit.
Utah temporary insurance provides you with quality, affordable plans
that are temporary due to your circumstances. These plans are
affordable because they are specifically designed for people who for
various reasons are temporarily without health insurance. Coverage
can become effective as early as 10 minutes after you apply. They
can be purchased for periods as short as 1 month or as long as 12
months.
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- Individual plans
- Group plans
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Utah dental plans are unique from
medical insurance plans because most medical expenses are
unpredictable, high cost and an insurable risk. Most dental needs
and treatments on the other hand are predictable and low risk.
Dental disease is most often preventable and treatment begins with
relatively low-cost diagnostic procedures, such as exams and x-rays.
If decay or disease is detected, the sooner it is treated, the less
expensive that treatment will be. The dental needs of an employee
group are highly predictable. Extremes in cost and utilization
(evident in many medical benefits) are rarely observed with dental
statistics
Utah dental plans are business arrangements between an insurance
company and an employer. Most plans are designed to pay only a
portion of your dental expenses. However, dental plans may exclude
or discourage certain treatments, such as dental sealants, which can
prevent tooth decay and save you money later on. Some plans do not
cover pre-existing conditions, such as missing teeth. Others may not
cover dental implants, specialist referrals and other dental needs.
Even when you and your dentist agree on the appropriate treatment
for your condition, the contract provision of the dental plan may
only pay a portion, or pay only for the LEAT (least expensive
alternative treatment) as determined by the insurance company.
Another term you need to be familiar with is UCR (usual, customary
and reasonable). Insurance companies use UCR to determine the
portion of the dental treatment fee they will pay. UCR reimbursement
levels are determined by the plan administrators. They may vary
greatly between different plans — even when those plans are
available in the same area. The fee the insurance company determines
to be "customary" may be very low compared to the area's average
actual fee for the same services. The plans then generally pay a
certain percentage of the UCR level which results in patient paying
a greater portion of the treatment costs.
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Health Insurance Catalog of Carriers for Utah
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