UPDATED: Nov 30, 2018
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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.
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.
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.
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 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.
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.
Ratings and Consumer Reviews
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.