Health insurance companies in Utah -Who do we go with?
We have broken down and gave a basic review of 6 health insurance companies in Utah. An important thing to remember is you will want to use a licensed local agent in Utah to help you choose a plan. It costs nothing to use an agent and they give valuable tips and can save you thousands of dollars.
SelectHealth offers HMO and HSA High Deductible Health Plans exchange plans through three networks: Select:Value (10 hospitals, 1,300+ doctors), Select:Med (34 hospitals, 3,900+ doctors) and Select: Care (43 hospitals, 5,000+ doctors). An overview of the Select Health plans sold on Utah’s exchange is available at Utahhealth.com. Select health offers HMO exchange plans in Catastrophic through Gold tiers. They also off private health insurance plans off the exchange. These type of plans are for people who do not qualify for subsidy.
Select health in our opinion is one of the best companies and should be your first health insurance plan that you review. The offer an incredible amount of doctors to choose from on exchange or off the exchange. It seems they offer the same amount of doctors regardless if you qualify for subsidy.
Humana Medical Plan of Utah or Humana one. Established in 1974 in Louisville, Ky. Humana is one of the largest U.S. health insurance companies with nearly 12 million members. Its network is very large it includes over 350,000 doctors, 3,000 hospitals and 50,000 pharmacies. Utah residents who buy a Humana exchange plan may not have access to the entire network of doctors and hospitals because the plans on the exchange for Humana have been reduced. Though the cost has been reduced also. Humana offers HMO exchange plans in every tier they even have one with the platinum plan.
Overall Humana one is a good company and should be also one of your first choices when looking at a health insurance plan in Utah. Please be careful while looking up your provider for humana one for an exchange product or one where you get subsidy. The amount of doctors that you get are drastically reduced as compared to the PPO plan they offer off the exchange.
BridgeSpan Health. BridgeSpan, established by Regence BlueCross BlueShield, is affiliated with a company called Cambia Health Solutions, a nonprofit health services company. In addition to Utah, the company offers health plans in Idaho, Oregon and Washington. BridgeSpan offers PPO exchange plans in Catastrophic through Gold tiers.
The BridgeSpan product is new so we don’t have much to give as far as a review goes.
Altius Health Plans. Altius Health is affliated with Coventry Health Care, a subsidiary of Aetna. The Coventry network includes over 5,600 hospitals, 585,000 doctors and over 62,000 pharmacies. Altius offers HMO and POS exchange plans in Catastrophic through the Gold tiers. Altius also offer health insurance plans that are off the exchange.
Altius has some comparable plans and has been around a while. Like with all the companies you will want to start first with a provider directory in which you can seek out your primary physician.
Arches Mutual Insurance or Arches health plan got a $85 million federal loan, this new, nonprofit, member-governed, co-op offers HMO exchange plans in Bronze through Gold tiers. Arches has relationships with hospitals in all of Utah’s twenty-nine counties,
This is new company so we cannot give a review yet as we have no experience has how the claims are paid or how the customer service is.
Molina offers HMO exchange plans in Bronze through Gold tiers. We don’t have to much information on the plans or customer service with Molina.
Information is very limited and we cannot give anyone a fair review of this company.
Regardless of which plan you use you will want to use agent or broker in Utah to help you out. The cost is free and regardless of which plan you choose the price will be the same. Please make sure they have two things an NPN number and a FFM user ID number. This will certify that they’re licensed through the marketplace.
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