- Types of plans offered
- Member resources
- Unique features
- Customer service
Types of Plans Offered
Select Health has a lot of plan options to choose from. Their health plans are not limited to just one format; rather, they've opened up their selection to more typical plans like HMOs and local options like state plans. Among Select Health's plans are Medicaid and Medicare options, HSAs, HMOs, and CHIP plans (the Children's Health Insurance Program). They also offer:
- Out of Area plans (OOA)
- Federal Employee Health Plans
- Utah's Premium Partnership plans (UPP)
- Health Coverage Tax Credit (a government health plan)
They even offer short-term insurance for individuals or families who are in between jobs or simply need temporary coverage. One type of plan that the company doesn't mention is a Preferred Provider Organization plan (PPO).
Select Health has dental and vision coverage for some members as well. The benefits of these plans depend on the member's location and qualifications. Vision insurance is covered through EyeMed and usually covers an annual eye exam 100%. Though this plan doesn't typically cover glasses or contacts, there are some discounts for these through Select Health itself. Dental insurance covers an extent of all types of dental work-from cleanings and fillings to root canals and crowns. There are tiered and traditional dental plans. With traditional plans, the deductible is $50 per individual and $150 per family.
The online member portal through Select Health is called MyHealth and gives members access to so many tools. Through it, you can view your health plan's benefits, limitations, and coverage. You can also read up on your rights and responsibilities as a member and get help finding a doctor and setting up an appointment with that doctor. (These services apply to both general practitioners and mental health physicians.) In addition, members have access to price comparisons for medications, which is a tool that makes sure you're getting the right price for already-expensive prescriptions.
The member portal has logistical tools, such as downloadable forms, a FAQs section for help navigating the portal or performing a specific member task, and customer service messaging. One perk to Select Health's claims is that they're paperless. You won't have to deal with that hassle, and once you file a claim you can track it 24/7 online. Select Health has a member services phone number, but members can only contact them during certain business hours with this number.
To boot, there's an online health coaching tool available through the member portal. Whether you want to set fitness goals, quit smoking, or establish other healthy habits, this tool can help you track your health and find extra motivation to keep going with your goals.
Like most other health insurance companies, Select Health has both a Find a Doctor tool and a Find a Facility tool. On their website, you'll also find simple explanations for each other their plans and ways to contact the company to find out more (and shop for plans that are specific to you). Also convenient is their mobile app, which actually has several capabilities. Not only can you view your health plan's benefits and see how much coverage you've used up so far; you can also use the app to find a pharmacy or urgent care, email your ID card information if needed, and even see what the status is on wait times at an Intermountain InstaCare facility.
Member discounts are definitely another advantage at Select Health. With a health plan, you could have access to savings on a gym membership, eyewear, or hearing aids. They also have discounts on supplements, alternative medicine, and personal training-items that seem luxurious but could actually have a big positive impact on your health.
Select Heath offers health education to members who want it. They can help get you on the road to stop smoking or to lose weight, for example. Their STEP Express program is for younger customers (fourth graders, to be specific) and encourages regular exercising.
Finally, this company is unique because it offers some out-of-area coverage. If you're on a trip outside of Utah or Idaho, you can have some coverage their MultiPlan or PHCS benefits.
Select Health was created and is operated by the well-known Intermountain Healthcare organization. This hospital system was founded in 1975, and along the way Select Health was initiated. It has expanded to serve customers through a variety of health plans. Intermountain has a great customer service reputation, and this culture extends to its health insurance partner. Together, the two prizes high-quality care.
Primarily, customers can contact Select Health through one of their main phone numbers (including numbers dedicated to member services) or a secure message form. What they don't clearly provide, however, is an email option or even a live chat feature. These would be good tools to add to their repertoire because some customers prefer to ask questions online. Otherwise, you have to make a call or wait for the company to respond to the message you sent through their portal.
Select Heath does have a helpful FAQs section, social media profiles, and even a company blog. All of these resources connect them to members and potential customers as well. Once you are a member with Select Health, of course, your resources leave little to be desired. This company has done an excellent job of providing members with almost any tool they would need to view benefits, file a claim, and even find advice for their health.