SelectHealth Insurance Review & Ratings (2024)

Discover the comprehensive review of SelectHealth Insurance, compare rates from top providers, and make informed decisions to protect your health. Trust in SelectHealth Insurance to prioritize your well-being and provide quality coverage. Take the first step towards a healthier future. Get started today!

UPDATED: Jan 2, 2024Fact Checked

Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...

Professor of Nutrition & Kinesiology

Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Licensed Real Estate Agent

UPDATED: Jan 2, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jan 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 2, 2024Fact Checked
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SelectHealth Insurance

Average monthly rate for healthy individuals:

N/A

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Comprehensive coverage options
  • Focus on preventive care and wellness programs
  • Network of healthcare providers

Cons

  • Possibly higher premiums compared to some competitors
  • Limited geographical coverage beyond Utah

Final Verdict: Review of SelectHealth Insurance

SelectHealth Insurance is a non-profit health insurance provider based in Utah that offers a range of individual and family health insurance plans. The company is committed to providing quality care and affordable plans to its customers, and it partners with local health care providers to ensure that its customers receive care from trusted professionals in their community.

While SelectHealth Insurance is only available in certain areas, customers have praised the company for its quality care, competitive pricing, and excellent customer service. The company offers a range of discounts to help customers save money on their health insurance, and it is committed to helping customers find the right plan to meet their individual needs.

Overall, SelectHealth Insurance is a reliable and trustworthy provider of health insurance that is committed to providing its customers with quality care and affordable plans.

What You Should Know About SelectHealth Insurance

Welcome to our comprehensive guide on SelectHealth insurance and the benefits it offers. If you’re looking for reliable and affordable health insurance coverage, SelectHealth is here to help. In this article, we will explore the key topics related to SelectHealth insurance, including plan options, coverage details, cost considerations, and customer satisfaction.

  • SelectHealth is a not-for-profit health insurance provider that operates in Idaho, Utah, and Nevada
  • The Better Business Bureau gives SelectHealth an A+ while the Center for Medicare and Medicaid Services rates it a perfect 5-star

By the end of this article, you will have a clear understanding of the advantages this insurance provides. To find the best insurance rates in your area, enter your ZIP code below and compare quotes from top insurance providers. Take the first step towards securing your health and financial well-being today.

SelectHealth Insurance History and Mission

SelectHealth Insurance was founded in 1983 in Salt Lake City, Utah. Their mission is to provide quality health care to their customers at an affordable price. They believe in helping people live the healthiest lives possible and are committed to providing innovative solutions to the health care challenges facing their customers.

SelectHealth Insurance is part of the Intermountain Healthcare system, which is a not-for-profit health care system that serves Utah, Idaho, and Nevada. The Intermountain Healthcare system was founded in 1975 and has since grown to become one of the leading health care providers in the region.

SelectHealth Insurance’s mission is to provide affordable and quality health care to their customers. They believe in working closely with their customers to understand their health care needs and provide personalized solutions. They are committed to offering innovative health care products and services to help their customers stay healthy and live their best lives.

SelectHealth Insurance is also committed to working with health care providers to improve the quality and affordability of health care. They believe in building strong relationships with their network of health care providers to ensure that their customers receive the best possible care.

SelectHealth Insurance Coverage Options

SelectHealth Insurance offers a range of health insurance products and services to individuals and families in Utah, Idaho, and Nevada. Here is an overview of the main products and services they offer:

  • Health insurance plans: SelectHealth Insurance offers a variety of health insurance plans, including HMO, PPO, and EPO plans. These plans offer different levels of coverage and cost-sharing options, so customers can choose a plan that fits their budget and health care needs.
  • Dental insurance plans: SelectHealth Insurance also offers dental insurance plans to help customers cover the cost of routine dental care, such as cleanings, fillings, and X-rays. These plans also cover more extensive dental services, such as root canals and crowns.
  • Vision insurance plans: SelectHealth Insurance offers vision insurance plans that cover routine eye exams, as well as the cost of glasses or contact lenses. Customers can choose from a range of providers and plan options to find the one that works best for them.
  • Medicare plans: SelectHealth Insurance offers Medicare Advantage plans to customers who are eligible for Medicare. These plans offer additional benefits, such as prescription drug coverage, dental and vision coverage, and fitness programs, that are not typically covered by traditional Medicare.

  • Health savings accounts (HSAs): SelectHealth Insurance also offers Health Savings Accounts (HSAs) to help customers save money on health care expenses. HSAs are tax-advantaged accounts that can be used to pay for qualified medical expenses, such as deductibles, copayments, and prescriptions.
  • CHIP. This insurance program covers children in Utah who don’t have medical insurance to get the quality care they deserve.
  • Federal employee health benefits. Another insurance plan available only in Utah, you’re eligible for this coverage if you work for the federal government.

Medicare Advantage Plans

SelectHealth has several Medicare Advantage plans, the details of which depend on the state you live in.

Nevada residents don’t have much variety in their options. SelectHealth has one Medicare Advantage plan: SelectHealth Advantage HMO. This plan includes:

  • Vision
  • Over-the-counter allowance
  • Companionship services
  • Prescription drug savings
  • Comprehensive dental
  • Hearing aids
  • Wellness reimbursement and incentives

As long as you’re eligible, your monthly payment is $0. You have a copay of $0, a $0 deductible, and a maximum out-of-pocket cost of $1,000.

People living in Idaho have several options. Consider the following options:

PlanBenefitsMonthly PricePrimary Care CopayMedical DeductibleMaximum Out-of-Pocket
SelectHealth Advantage Essential - Treasure ValleyComprehensive dental, vision, hearing$0$0$0$6,700
SelectHealth Advantage Enhanced - Treasure ValleyComprehensive dental, vision, hearing aids$72$0$0$5,900
SelectHealth Advantage - Southwest IdahoHearing aids$45$5$0$6,700
SelectHealth Advantage - Magic ValleyHearing aids$88$5$0$6,700
SelectHealth Advantage - South Central IdahoHearing aids$107$5$0$6,700

Finally, Utah residents also have several plans available. You can compare the details below:

Medicare Advantage PlanBenefitsMonthly PricePrimary Care CopayMedical DeductibleMaximum Out-of-Pocket
SelectHealth Advantage Essential - WasatchPreventative dental, vision, hearing aids, medicine$0$0$0$5,500
SelectHealth Advantage Enhanced - WasatchComprehensive dental, vision, hearing aids, medicine$67$0$0$5,000
SelectHealth Advantage - Southwest and Central UtahPreventative dental, vision, hearing aids$29$5$0$6,700
SelectHealth Community AdvantageComprehensive dental, vision, hearing aids$0 to $42.90$0 or 20% after deductible$0$3,450
SelectHealth Veteran AdvantageComprehensive dental, vision, hearing aids$0$0$0$5,400

No matter which state you live in, SelectHealth is committed to helping you safely understand your Medicare. With multiple virtual events for Idaho, Nevada, and Utah, you can learn everything you need to know about Medicare Advantage.

Areas Where SelectHealth Insurance is Available

SelectHealth Insurance is available in Utah, Idaho, and Nevada. The company was founded in Utah in 1983 and has since expanded to serve customers in two additional states. Here is an overview of the areas where SelectHealth Insurance is available:

  • Utah: SelectHealth Insurance is based in Utah and offers health insurance, dental insurance, vision insurance, Medicare Advantage plans, and health savings accounts to customers throughout the state. SelectHealth Insurance is one of the largest health insurers in Utah and serves more than 900,000 customers.
  • Idaho: SelectHealth Insurance offers health insurance and dental insurance plans to customers in Idaho. The company partners with local health care providers to offer customers access to quality care at affordable prices.
  • Nevada: SelectHealth Insurance offers health insurance plans to customers in Nevada. The company partners with local health care providers to offer customers access to quality care and a range of health care services.

If you are interested in finding out whether SelectHealth Insurance is available in your state, here are the four steps you can follow:

    1. Visit the SelectHealth insurance website: The first step is to visit the SelectHealth Insurance website. This website provides information about the company’s products and services, as well as the areas where the company operates.
    2. Click on “Plans & Products”: Once you are on the SelectHealth Insurance website, click on the “Plans & Products” tab in the top menu. This will take you to a page that provides information about the different plans and products that are available from the company.
    3. Click on “Individual & Family Plans”: On the “Plans & Products” page, click on the “Individual & Family Plans” option. This will take you to a page that provides information about the individual and family health insurance plans that are available from SelectHealth Insurance.
    4. Select your state: On the “Individual & Family Plans” page, select your state from the drop-down menu. This will show you the plans that are available in your area, as well as the costs and benefits associated with each plan.

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SelectHealth Insurance Rates Breakdown

The cost of coverage from SelectHealth Insurance varies depending on a variety of factors, including the type of plan, the level of coverage, and the location of the customer. However, here is some general information about the cost of coverage from SelectHealth Insurance:

  • Health insurance plans: SelectHealth Insurance offers a range of health insurance plans, and the cost of these plans varies depending on the level of coverage and cost-sharing options. The cost of these plans may also vary depending on the customer’s age, health status, and location.
  • Dental insurance plans: SelectHealth Insurance offers dental insurance plans that can help customers cover the cost of routine and more extensive dental care. The cost of these plans varies depending on the level of coverage and the provider network.
  • Vision insurance plans: SelectHealth Insurance also offers vision insurance plans that can help customers cover the cost of routine eye exams and vision correction. The cost of these plans varies depending on the level of coverage and the provider network.
  • Medicare plans: SelectHealth Insurance offers Medicare Advantage plans that can help customers cover the cost of health care expenses not covered by traditional Medicare. The cost of these plans varies depending on the level of coverage and the location of the customer.

Here are some common criteria that can affect insurance rates across different types of insurance:

  • Age: Age is a significant factor in insurance pricing. In auto insurance, younger drivers often face higher premiums due to their perceived higher risk of accidents. Conversely, older drivers may experience increased rates as they are statistically more prone to accidents.
  • Gender: Historically, gender has been considered a factor in determining insurance rates. In some cases, insurance companies may charge different rates for males and females based on statistical risk assessments.
  • Driving Record: For auto insurance, a clean driving record with no accidents or traffic violations is likely to result in lower premiums. On the contrary, a history of accidents or traffic citations can lead to increased rates.
  • Health History: In health insurance, personal health history and pre-existing conditions can significantly impact premiums. Individuals with chronic illnesses or health issues may face higher rates or may even be denied coverage.
  • Lifestyle Habits: Some insurance types, such as life insurance or health insurance, may take into account lifestyle factors like smoking habits and alcohol consumption. Risky behaviors can lead to higher premiums.
  • Occupation: Certain occupations may be associated with higher risks, affecting insurance rates. For example, professions involving physical labor or high-stress environments might face increased rates for certain types of coverage.
  • Location: The geographic location of an individual can impact insurance rates. This is evident in homeowners or renters insurance, where the crime rate and weather conditions in a specific area can affect the cost of coverage.
  • Coverage Amounts and Deductibles: The level of coverage selected and the chosen deductible amount can directly influence insurance premiums. Higher coverage limits and lower deductibles typically result in higher premiums.
  • Credit History: In some cases, credit history can be a factor affecting insurance rates. A good credit score may lead to lower premiums, as it is often associated with responsible financial behavior.

These criteria can vary between insurance companies and may change over time. Insurance providers use complex algorithms and statistical models to assess risk and set rates, so it’s advisable to shop around and compare quotes to find the best coverage at the most competitive rates based on individual circumstances.

SelectHealth Insurance Discounts Available

SelectHealth insurance offers a range of discounts to customers who meet certain criteria. Here is an overview of some of the discounts that are available:

  • Healthy living discounts: SelectHealth Insurance offers discounts to customers who participate in healthy living activities, such as completing a wellness assessment, participating in a weight management program, or quitting smoking. These discounts can help customers save money on their monthly premiums and out-of-pocket costs.
  • Multi-plan discounts: SelectHealth Insurance offers discounts to customers who enroll in multiple plans, such as health insurance, dental insurance, and vision insurance. These discounts can help customers save money on their overall health care costs and simplify the process of managing multiple plans.
  • Family discounts: SelectHealth Insurance offers discounts to customers who enroll multiple family members in their plans. These discounts can help families save money on their monthly premiums and out-of-pocket costs.
  • Provider network discounts: SelectHealth Insurance offers discounts to customers who use providers within the company’s network. These discounts can help customers save money on their out-of-pocket costs and ensure that they receive quality care from approved providers.

Streamlining Experience With SelectHealth Insurance Claims Process

Ease of Filing a Claim

SelectHealth Insurance offers a hassle-free claims process that can be initiated online, over the phone, or through their user-friendly mobile apps. This flexibility ensures that customers can choose the method that suits them best, providing convenience and ease during the often stressful claims experience.

Average Claim Processing Time

SelectHealth Insurance is committed to efficient claim processing. While specific processing times may vary depending on the nature of the claim, the company strives to handle claims swiftly, ensuring that customers do not have to wait excessively for their claims to be resolved. Timely processing reflects SelectHealth’s dedication to customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts with SelectHealth Insurance has been overwhelmingly positive. Clients have reported satisfaction with the way their claims were handled, praising the company for fair assessments and prompt payouts.

This positive feedback underscores SelectHealth’s commitment to delivering on its promises and ensuring that customers are content with their claim resolutions.

Exploring Digital and Technological Advancements of SelectHealth Insurance

Mobile App Features and Functionality

SelectHealth Insurance’s mobile app is packed with features designed to enhance the customer experience. From easy policy access to claims tracking, the app provides a user-friendly interface, allowing customers to manage their insurance matters conveniently on their smartphones. The app’s functionality ensures that policyholders have quick and convenient access to essential information anytime, anywhere.

Online Account Management Capabilities

SelectHealth Insurance offers robust online account management capabilities. Policyholders can log in to their accounts on the company’s website to access policy details, review claim statuses, and update personal information. The online portal provides a secure and convenient platform for customers to manage their policies, fostering a seamless and efficient experience.

Digital Tools and Resources

In addition to its mobile app and online portal, SelectHealth Insurance provides various digital tools and resources to empower its customers. These tools include educational resources, interactive calculators, and informative articles that help policyholders make well-informed decisions about their insurance coverage.

By offering these digital resources, SelectHealth demonstrates its commitment to ensuring that customers have access to valuable information to make the best choices for their health insurance needs.

How SelectHealth Insurance Ranks Among Providers

SelectHealth Insurance operates in a bustling industry, contending with formidable competitors that contribute to the diverse landscape of healthcare coverage. Exploring these main rivals sheds light on the distinct strategies and offerings that shape this sector.

  • UnitedHealthcare: As one of the largest health insurance providers in the U.S., UnitedHealthcare offers an extensive network and diverse plans. Its focus on technology-driven solutions and wellness programs stands out.
  • Anthem Blue Cross Blue Shield: With a strong presence across multiple states, Anthem Blue Cross Blue Shield emphasizes personalized health management and innovative care solutions. Its wide range of plans caters to diverse needs.
  • Cigna: Renowned for its global reach and integrated health services, Cigna provides a range of health insurance and wellness programs. The company’s emphasis on holistic healthcare sets it apart.
  • Aetna: A part of CVS Health, Aetna offers various health plans and wellness programs. Its focus on digital health initiatives and value-based care models aims to improve the overall health of its members.
  • Kaiser Permanente: Operating as an integrated healthcare delivery system, Kaiser Permanente provides health coverage alongside healthcare services. Its emphasis on preventive care and member-centric approach distinguishes its offering.

The healthcare insurance landscape is vibrant and competitive, with UnitedHealthcare, Anthem Blue Cross Blue Shield, Cigna, Aetna, and Kaiser Permanente standing as significant competitors to SelectHealth Insurance. Understanding the strategies and strengths of these rivals enables SelectHealth to innovate, adapt, and deliver distinctive healthcare solutions in a dynamic market.

Customer Reviews of SelectHealth Insurance

Customer reviews of SelectHealth Insurance are generally positive, with customers praising the company for its quality care, affordable plans, and excellent customer service. Here is an overview of some of the strengths and weaknesses that customers have reported:

Strengths:

  • Quality care: Many customers report that SelectHealth Insurance offers quality care and a range of health care services. Customers appreciate the company’s partnership with local health care providers, which allows them to receive care from trusted professionals in their community.
  • Affordable plans: Customers also praise SelectHealth Insurance for its affordable plans and competitive pricing. Many customers report that they are able to find a plan that fits their budget and meets their health care needs.
  • Excellent customer service: SelectHealth Insurance has received high marks for its customer service. Customers appreciate the company’s knowledgeable and friendly representatives, who are able to answer their questions and help them find the right plan.

Weaknesses:

  • Limited coverage area: Some customers have reported that SelectHealth Insurance is only available in certain areas, which can be a limitation for those who live outside of the company’s coverage area.
  • Limited plan options: A few customers have reported that SelectHealth Insurance offers limited plan options, which can make it difficult to find a plan that meets their specific needs.
  • Long wait times: Some customers have reported long wait times when trying to get in touch with SelectHealth Insurance customer service representatives, which can be frustrating.

As for professional ratings, the Better Business Bureau (BBB) gives SelectHealth an A+. There are complaints against the company on the BBB site, but not an overwhelming amount.

The good news for Medicare customers is that most negative reviews are for other products. SelectHealth has an overall 5-star rating from the Centers of Medicare and Medicaid Services. Its health plan services received 5 stars, while the drug plan got 4.5.

Frequently Asked Questions

What is SelectHealth insurance?

SelectHealth is a not-for-profit health plan provider that serves just under a million people in Idaho, Utah, and Nevada. The company integrated with Intermountain Healthcare to provide quality healthcare to its members at affordable prices.

What types of health insurance plans does SelectHealth offer?

SelectHealth offers individual and family, employer, Medicare Advantage, Medicaid, CHIP, federal employee health benefits, and dental insurance plans.

What is Medicare Advantage?

Medicare Advantage, also known as Part C, is run by private insurance providers and combines Parts A, B, and D into one convenient policy.

Is SelectHealth Medicare Advantage good?

The quality of SelectHealth’s Medicare Advantage plans varies depending on the state, and the details of each plan also depend on where you live. It’s important to research and compare plans to find the best one for you.

Does SelectHealth Insurance offer any discounts or savings programs?

Yes, SelectHealth Insurance offers several discounts and savings programs, including a healthy living discount, a fitness center discount, and a dental and vision discount program.

Is SelectHealth Insurance available in all states?

No, SelectHealth Insurance is only available in Utah, Idaho, and Nevada.

How can I find out if my doctor is in the SelectHealth network?

You can use the Find a Doctor tool on the SelectHealth website to search for a doctor or other health care provider in the SelectHealth network.

How do I file a claim with SelectHealth Insurance?

To file a claim with SelectHealth Insurance, you can log in to your account on the SelectHealth website and submit your claim online, or you can download and complete a paper claim form and mail it to the address provided on the form. You can also call the SelectHealth customer service line for assistance with filing a claim.

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Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...

Professor of Nutrition & Kinesiology

Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Licensed Real Estate Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

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