Select Health

Select Health

Intro to Select Health

With more than 30 years of experience, SelectHealth is committed to providing the highest quality of care to its members. SelectHealth works with Intermountain Healthcare to enhance healthcare value for members in Utah and Idaho. They have received several awards and recognitions for their health plans, quality, and member satisfaction.

The Good

  • 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.

Member Resources

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.

Unique Features

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.

Customer Service

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.

The Bad

  • State availability
  • Business hours only
  • Contact options

State Availability

 
If you're a potential Select Health customer, you'll want to know that the company only provides insurance in Utah and Idaho.

Business Hours Only

Customers can only contact Select Health during certain business hours, not 24/7. Even though members can access their online portal 24/7, it would be nice to have the option to contact a representative, if needed, during the evening or early morning.

Contact Options

 
Select Health has a lot of phone numbers and a contact form, but they don't provide a clear email address or a live chat tool for customers and members to contact them.

The Bottom Line

The pros heavily outweigh the cons with Select Health. True, their service area is quite small, limited to only two states. And because of this, their customer base and network are much smaller, and they aren't available to most of the country. But as long as you live in one of these two states, this company carries the promise of positive customer service, a variety of health plans, and convenient tools such as paperless claims.

That said, Select Health is a recommended option for health insurance. They are operated by a well-known hospital system in the Utah-Idaho area.

37 Select Health Reviews

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  • User Score

    10

    June 7th, 2017 Chino Valley, AZ

    I have had a couple of insurances due to a disability, and am so please with Selecthealth. I have received super benefits and I never worry. Thank you for your professionalism and kind way I have been treated. I will suggest you to my friends.

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  • User Score

    9

    June 7th, 2017 Herriman, UT

    I have been more happy with Select Health than any other insurance. I have benefits for prescriptions that I never had before with other insurances. I have had to call customer service with questions before and their customer service was helpful. I can find providers everywhere and have never had trouble finding a doctor that takes Select Health.

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  • User Score

    10

    June 6th, 2017 Salt Lake City, UT

    I've been with Select Health for awhile now, and I have really liked it. The hospital I go to takes my insurance as does the same doctor I have been going to for the last 30 years. I went without insurance for a long time, so it is nice to finally be covered and feel like I can go in and get checked out. I would definitely recommend using Select Health.

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  • User Score

    8

    June 3rd, 2017 Draper, UT

    Select Health, has always been fair to my family. I've only had to use my insurance a few times and they paid the bill quickly and notified me when payment was processed. My only complaint is their call center tends to be a little slow in answering your calls.

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  • User Score

    0

    May 22nd, 2017 Salt Lake City, UT

    Absolutely TERRIBLE! I was talked into going from a Gold plan to a Silver plan because it was supposed to be the "best bang for the buck"...yeah right. I might as well not have insurance and just pay for evrything.

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  • User Score

    0

    April 18th, 2017

    raised our rates and then auto renewed us in their worthless over priced plan. now we keep getting bills from them. they say there is nothing they can do.. avoid this company at any cost

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  • User Score

    0

    April 14th, 2017 Park City, UT

    The coverage was good until they renewed my policy and the premium went from 81.00 a month to 419.00 a month!! i only make 34,000 a year so there is no way i can afford the coverage! What are you supposed to do when you cant pay 400.00 a month? I cancelled it, i had no other choice so now I have no coverage and nowhere to go to get coverage. This sucks because I never even used the policy!!!!

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  • User Score

    2

    March 20th, 2017 TX

    The worst customer service experience i have ever had. After confirming twice with a billing person that i shouldn't worry about any other charges, I received another letter from select stating that the account will go to collection if i don't pay. I am now back with United healthcare because of the extremely poor customr service. Shame on you Select health.

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  • User Score

    0

    January 4th, 2017 Salt Lake City, UT

    Select Health denied me a life saving procedure for my 15 year old son. This is his response once I told him they denied his surgery to save his kidneys! Then why arnt you helping me? WHAT DO YOU EXPECT US TO DO NOW THAT MY ONLY OPTION HAS BEEN DESTROYED BY YOU? YOU ARNT HELPING, ALL YOUR DOING IS DENYING MY EXISTENCE!

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  • User Score

    0

    December 27th, 2016

    I have had select health for a couple years now and have not been impressed! I live in a rural area and because of that there are no doctors/counselors etc... in my area, you are expected to travel to a bigger city so that you can be seen by anyone which for.me happens to be 80+ miles away!! RIDICULOUS!!!!

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  • User Score

    1

    December 23rd, 2016 Salt Lake City, UT

    I needed physical therapy for an injury and so j called customer service to ask about my benefits. I asked specially about referrals and then generally asked about "how it works." I was told that I didn't need a doctors referral that it was a specialists copy. Never did they mention that physical therapy is "different" and you have to have met your deductible before they will pay. Now, because I didn't specifically ask about deductibles, I am responsible for a bill that I could have easily avoided had they been honest with me about my benefits. I have appealed and they continue to maintain that I need to play 20 questions with them if I don't want to get screwed over.

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  • User Score

    10

    December 19th, 2016 Mesquite, NV

    I just recently moved from Utah to Nevada. I had Select Health, but there is no Select Health coverage in the state of Nevada. That is very unfortunate for us. We have found Select Health to be one of the "finest" healthcare insurance companies we had coverage with! I personally want to say thank you for all of your sevices. I would gladly pick up my policy if Select Health had coverage in Nevada. I recommend this Insurance company, as they are trustworthy, accountable, and respectful. Great Insurance Company!

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  • User Score

    9

    November 9th, 2016 Salt Lake City, UT

    I really love select health, they work really hard to make sure you understand your insurance plans, and help you find the care you need for a great price!

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  • User Score

    0

    November 8th, 2016 Salt Lake City, UT

    I have had health problems with my kidney for the last four years. I have been to numerous doctors, had numerous tests, had been hospitalized and on home health. I finally found a doctor that has figured out what is going on and has a solution. I am needing a surgery but unfortunately select health has denied the surgery and I cannot get the help that I desperately need. I am currently in the appeals process but when the tough questions come up select health tells me to just go and find another insurance that will cover the procedure. That is an unfair statement because I pay my premiums every month and I should be covered so that I can improve my health. Select health has approved this procedure for other patients but for some reason they will not approve me. Shame on select health for making me still suffer when there is a cure that can be given to me.

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  • User Score

    0

    November 7th, 2016 Post Falls, ID

    Worst Health Insurance I've ever had. They deny part of a bundle bill. Like urgent care. They will pick and choose out of a doctors visit what they want to cover. My husband had an ultrasound done which after finally getting them to correct their coding for they covered but they refused to cover the fee to have the doctor read it. Apparently that (along with everything) is experimental. They claim everything is experimental and refuse to cover it. I have never had so many issues with an insurance carrier. Couldn't wait to get to the end of the year and go back to Blue Cross!

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  • User Score

    2

    November 6th, 2016 Boise, ID

    I am a senior with one year to go until Medicare, thank goodness. It was my first year with Select Health & I was not happy with them. I had a Breast Lump Biopsy & care/treatment/claims were handled fine. But everything else was unacceptable. Cardiology care was poor. I was to have my next echo in 3 years. When I did so, an $8000 test was done & I got two phone calls saying everything was 'fine'. No explanation of the mitral reflux still being an issue or not. Had a pop in my knee. Was only offered an x-ray by Ortho. Was told it was Arthritis. After months of pain I knew it was more. ASKED for an MRI. Had three tears in knee. Had to wait 7 weeks to see Ortho. Saw a DO while waiting because entire leg hurt. He ordered back MRI, have sciatica. Had to go to Spine Clinic to get referral to Pain Clinic. Too much run-around. Too much time wasted. Too many copays padding the bill. Pain Clinic played phone tag with me, didn't listen to my messages. Pharmacy told me I could have ONE MO of RX. Plan pays for 90 days worth. Took until Nov to start getting 90 days worth & it was same price as one mo worth! Plan going up by 300/mo next year. Can't afford it. Not sure if I should go with a lesser plan of theirs or switch back to Blue Cross Idaho for this last year. Still have hip pain that hasn't been addressed. I felt like providers passed the buck & referred me around needlessly. Used to work in a hospital so know it can be done better. Not Affordable Health Care.

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  • User Score

    1

    October 20th, 2016

    Select Health is all about money and not about people. We had my son with many unique health concerns on his own plan so we could get the health care he needed. We made our payments diligently, we never missed and we were never late. However, we found another plan that was cheaper for us and still covered all of my son's health problems with the providers we needed so we called Select Health and canceled. This occurred in the middle of August and they said the September bill might still go out to you, but just ignore it. So the September bill came and we ignored as they advised. Well now it is the middle of October and we get a collection notice from Select Health about our bill from September. So we call the number and explain the situation and the agent showed no sympathy and offered no help, she simply stated "if you don't pay it now it will go to collections". Of course we paid the bill, but we were very disappointed in the service they offered. It wasn't about the money, it was about the principle. They promised one thing and did not follow through. I am a physician and I have been very disappointed with IHC and Select Health over the years. There is a lot of deceit in their advertising and even more deceit in their billing process. I am hoping another large competitor will outcompete them for the marketplace here in utah.

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  • User Score

    1

    August 29th, 2016 Provo, UT

    The problem with SelectHealth is their customer service representatives make $15 an hour and don't care. I've been misquoted insurance benefits, told the wrong deductible amount, and on, and on. They can't seem to bill the correct insurance ID despite the fact that my insurance has changed and the plan they're billing is no longer active. Stupidity upon stupidity. I don't know whether to correct their mistakes or just let them go because they're working in my favor.

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  • User Score

    0

    August 25th, 2016 Tooele, UT

    Made sure the procedure we were looking at was covered by our insurance and were told it would be just the normal co-pay. A bill came for over $2000. This company is a joke. They deny ever telling us it was just the co-pay.

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  • User Score

    0

    August 23rd, 2016 Salt Lake City, UT

    Absolutely the worst insurance company we have ever had! THEY COVER ABSOLUTELY NOTHING TO HELP OUR 4 YEAR OLD SON WITH AUTISM!! they discriminate against people with Autism and it is absolutely wrong!!! WE pay hundreds a month and have received nothing literally Nothing in return!!

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