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SelectHealth Review

SelectHealth is a not-for-profit health insurance company operating in Utah and Idaho. Health insurance plans are offered to both individuals and through employer group plans. SelectHealth also writes Medicare and Medicaid plans as well as CHIP and dental insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 24, 2020

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SelectHealth is a not-for-profit health insurance company operating in Utah and Idaho. They are integrated with Intermountain Healthcare and offer individual and family plans as well as group, Medicare, and dental coverage.

About SelectHealth

SelectHealth traces its roots to the creation of Intermountain Healthcare in 1975 when the Church of Jesus Christ of Latter-Day Saints donated its fifteen Utah hospitals to the newly formed healthcare provider. During the 1990s, the company opened a health insurance branch, which was renamed SelectHealth in 2006.

SelectHealth offers a range of health care plans for individuals and families, as well as employer-sponsored plans and supplemental coverage. They provide insurance to about 850,000 people throughout Utah and Idaho, and in addition to the Intermountain Healthcare system, also partner with several other providers for an extended network.

The company’s headquarters is located in Murray, Utah, but they also have an office in Meridian, Idaho.

 

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SelectHealth Products

Health insurance plans are offered to both individuals and through employer group plans. SelectHealth also writes Medicare and Medicaid plans as well as CHIP and dental insurance. Since the website does not offer plan details without starting a full application for coverage, we were unable to get specific coverage information.

Individual Health Plans

SelectHealth’s plans are offered with three different network options. The Select Value has a network of providers in a small area of Utah in and around the Salt Lake City area. Select Med covers all of Utah, while SelectHealth Idaho covers all of Idaho.

Plans are offered at all levels, including bronze, silver, and gold as well as catastrophic coverage. SelectHealth has both traditional and HSA plans as well as transitional and Benchmark plans.

Medicare

SelectHealth Advantage is the company’s Medicare Advantage program. It’s an HMO that utilizes the company’s provider network for services.

Using the zip code for the company’s Utah office, we found two plan options, Essential and Enhanced. Both are $0 deductible plans. The Essential plan has a primary care copay of $10, while the Enhanced plan has a copay of $5. The latter has a monthly premium in return for a lower out of pocket limit and generally lower out of pocket costs.

Medicaid and CHIP

SelectHealth offers plans for those who meet the income requirements to qualify for Medicaid or CHIP programs.

Community Care, the Medicaid program, is only offered in select counties in Utah.

Dental

SelectHealth offers two options for their dental plan. One is the in-network only plan, and the buy-up option allows access to non-network providers. Deductibles on both plans are $50 individual and $100 family.

The traditional plan offers more comprehensive coverage, while out of pocket costs are higher on the buy-up plan. The dental plans offer several network options to choose from, all of which are in Utah.

SelectHealth Rates

SelectHealth does not offer a quick quoting option for their individual and family plans, therefore we were unable to access sample rates. They require that you begin the enrollment process before rates are made available.

Medicare rates are offered on the site, at $0 for the Essential plan and $39 per month for the Enhanced plan. These are very reasonable for Medicare Advantage plans based on what we have seen nationwide.

Claims

Most claims are handled directly by the provider, although the website does offer claim reimbursement forms that can be used on those occasions where an out of pocket expense can be reimbursed by the insurance company.

SelectHealth’s direct integration with Intermountain Healthcare means that claims from those providers will likely be processed at the quickest rate and with the least complication.

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Ratings and Consumer Reviews

Is SelectHealth good insurance? SelectHealth has the distinction of having been singled out by former President Barack Obama as a model healthcare system in 2009.

The Idaho office of Select Health currently has a Better Business Bureau (BBB) rating of A, with 11 complaints on file in the past three years. In Utah, the insurance company does not have a separate file but is listed under the Intermountain Healthcare BBB, which has an A+ rating with 41 complaints on file in the past three years. Both files show low complaint volume for the size of the company.

There are four reviews of SelectHealth on Pissed Consumer, citing failure to pay claims and authorize procedures, as well as a few complaints in the billing department. There’s very little here to raise any sort of concern regarding this company, either in content or complaint volume.

The Bottom Line

SelectHealth offers a range of plans with a selection of networks to choose from, which should fit the needs and budgets of most people. This company will appeal to those seeking a homegrown health system that still has the size to provide comprehensive care. Without rates, it is difficult to compare them to other companies, but on all other points, SelectHealth seems to be a solid choice.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

3 Comments

  1. Don’t go here!!! You won’t get what your hard earned money is supposed to be getting you.

    They will bait and switch on your plan.

    They claim they will pay a certain amount then when it comes time to pay they don’t pay what they say will.

    They’re doing this with all their ‘services’ but it’s especially bad with prescriptions.

    They change tiers on medications so instead of only paying a copay you end up paying most of what can be very expensive prescriptions.

    They claim a medication is not their ‘preferred’ medication.

    They will only pay for half a prescription written by your provider so you end up paying two copays for one prescription.

    I used this company for several years with few or no problems.

    I will be looking for a different insurance provider next year.

    Reply
    • Good luck with that (changing companies).

      I suspect all Medicare plans are now using the good old “bait and switch”.

      I dropped “Select Health – or, I as I like to call them, “Select Wealth” – for the same reason you are changing companies next year.

      Well, guess what? I changed during the 3-month Spring window to Pacific Source. Same thing.

      My agent found my meds were all zero co-pay, but guess what? Yup.

      As soon as I was officially enrolled with them, my meds all went up to higher tiers, and even worse, several of them that they supposedly covered–suddenly, were no longer covered AT ALL without a big hassle of going through paperwork.

      One problem I had (I knew this, so it wasn’t their fault) is that I was using a non-preferred pharmacy.

      That didn’t change anything in terms of tiers or availability, it just cost way more.

      I am now switching to a Pacific Source preferred pharmacy. It will save money.

      I think our government is getting some big kickbacks to look the other way because I’d be willing to bet the farm that ALL medicare advantage programs do the exact same thing.

      You look around, compare tiers and prices for your meds, and sign up with what appears to be the best plan.

      Then, what a surprise! Your snail-mail box fills up with letters “notifying” you that Drugs A, B, C, D,…

      in other words, most or all of the drugs you take…are now either at a higher tier level or they’ve been dropped off the formulary completely.

      (You can get your Medicare company’s non-formulary drug, but you have to go through the usual paperwork nightmare–actually, your doctor does.)

      My doctor is willing to do anything for me, but he showed me how I can use those “Get up to 80% off on meds” cards you can pick up at just about any doctor’s office or pharmacy.

      He actually looked it up on the card’s website and showed me how low the prices are.

      You can save big money using those and avoid the hassle of fighting with Select Wealth to get your drug prices down to less than the GNP of a third-world country.

      So I doubt (I’m sorry to say) that you’ll have a better outcome with a new company–if you do, let me know.

      I’d love to change again. Our Medicare-related drug benefits should be on late-night comedy shows.

      Except…no one is laughing. It hurts too much.

      Reply
  2. SelectHealth Advantage is NOT a plan I would recommend. They raised a very low cost generic drug that has has been on the market for probably 40 years from a tier 0 (cost per month = zero dollars) to a Tier 2 (that changes the cost to $$$ per month) as soon as December 7th passed (last day to change plans). That means I’ll have to pay a lot of money for this medication. What the greedy company doesn’t realize is that, for 2019, there is another window of plan-change time. I will be switching to a new company which has all my meds at Tier Zero. SelectHealth is a huge corporation. They have a Stockmarket Ticker in place of a heart in their sub-zero corporate chests. May they reap the Karma they deserve.

    Reply

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