SelectHealth plans can be purchased by employer groups or by individuals
The SelectHealth plans include:
1. Health Maintenance Organization (HMO). This product option provides the lowest possible cost by requiring members to use participating (in-network) providers and facilities, except in emergencies. It is available for individual plans and small and large employers.
a. Select Value (10 hospitals and 500+ physicians and practitioners)
2. Point of Service (POS). At the same premium cost as the HMO, this option provides more flexibility and choice because it allows members to use nonparticipating (out-of-network) providers. Members pay a higher coinsurance amount and a separate deductible when using nonparticipating providers. It is available for individual plans and small and large employers.
a. Select Med Plus (34 hospitals and 4,000+ physicians and practitioners)
b. Select Care Plus (43 hospitals and 5,200+ physicians and practitioners)
3. Preferred Provider Organization (PPO). This product allows members to use participating and nonparticipating providers and facilities for all covered benefits. Members will pay lower fees and have broader benefits if they use providers within the network. It is available for small and large employers.
a. Select Choice Premier (43 hospitals and 5,200+ physicians)
4. High Deductible Health Plan (HDHP). These plans can be used with a tax-advantaged Health Savings Account (HSA). While these plans generally carry higher deductibles, they can be waived for preventive care office visits and services. Any SelectHealth HMO or POS network can be paired with SelectHealth’s HDHP product, HealthSave. It is available for individual plans and small and large employers.
a. Select Value (10 hospitals and 500+ physicians)
b. Select Med Plus (34 hospitals and 4,000+ physicians)
c. Select Care Plus (43 hospitals and 5,200+ physicians)
5. Transition Plan. This is a temporary plan for people seeking short-term medical coverage. Designed to be an affordable alternative for health insurance coverage up to six months, the plan is tailored for employees in a waiting period for group coverage, people who are changing jobs, recent graduates, or new business owners. It is available for individual plans.
a. Select Care Transition
6. Dental. SelectHealth dental plans were introduced in 2009. The plans offer competitive rates, excellent local customer service and access to any dentist, including SelectHealth's network of more than 1,300 Utah dentists. Adding dental coverage to a SelectHealth medical plan results in lower cost and simplified administration. It is available for large and small employers and individuals.
7. Eyewear. SelectHealth Eyewear plans were launched in 2010 in partnership with EyeMed Vision Care®. Plans include coverage for vision hardware only-contacts, frames, lenses and lens treatments, and more. They were designed to complement the eye exams covered by our medical plans. SelectHealth Eyewear is available to large and small employers, when added to a medical plan. Members have access to 200 Utah locations and nearly 23,000 locations nationwide, including five of the top six leading retailers.
8. Support for Government Plans. SelectHealth offers administrative services, including billing, claim processing, and other functions for several government health plans. These plans save state resources by outsourcing administrative duties, and they have access to SelectHealth networks. SelectHealth supports the following government health plans:
a. HIPUtah. SelectHealth administers the state-funded Utah Comprehensive Health Insurance Pool (HIPUtah). This plan offers health insurance to individuals who cannot qualify for an individual plan in the commercial market because of a serious medical condition. These individuals also do not qualify for any other insurance, including Medicare and Medicaid. All members currently on HIPUtah are scheduled to transition to Health Insurance Marketplace on January 1, 2014.
b. CHIP. The Children's Health Insurance Program (CHIP) is a state and federally-funded program that provides health insurance to children from birth through age 18 for lower income families that do not qualify for Medicaid. SelectHealth is one of two Utah carriers that administer the CHIP program.
c. Health Coverage Tax Credit (HCTC). SelectHealth is a partner with the Internal Revenue Service and the Utah Department of Workforce Services to administer HCTC. This federal tax credit pays 65 percent of qualified health plan premiums for eligible trade-impacted workers and certain Pension Benefit Guaranty Corporation benefit recipients. Congress established the tax credit with the goal of making health coverage more accessible and affordable for qualified individuals who otherwise may not be able to afford it.
9. Medicaid. Medicaid is government-funded health insurance for United States' citizens or permanent residents with lower incomes. The elderly, disabled, and some families and children may also qualify. The Utah Medicaid agency contracts with managed health care organizations to provide medical and mental health services to Medicaid clients. SelectHealth is a state administrator for Utah Medicaid.
10. Medicare Advantage. As a CMS-contracted plan sponsor, SelectHealth is pleased to offer a Medicare Advantage plan for Medicare beneficiaries residing in select counties in Utah and Idaho. SelectHealth Advantage (HMO-POS) combines all of the efficiency and cost savings of an HMO with the flexibility of a Point-of-Service plan design. Point-of-Service allows benefit coverage for our members to see out-of-network providers as well as in-network providers. Our contracted service areas include: Davis, Iron, Morgan, Salt Lake, Utah, Washington and Weber counties in Utah, and Ada, Boise, Canyon, Cassia, Jerome, Minidoka, and Twin Falls counties in Idaho.
11. FEHB. The Federal Employees Health Benefits (FEHB) Program is a system of health insurance benefits offered to those employed by the federal government. SelectHealth offers FEHB plans to federal employees in Utah and Idaho.