Comparison Chart

Carrier Benefits	Altius	BlueCross BlueShield (Regence)	SelectHealth IHC Plans	Assurant Health
Financial Rating	B+	A-	B-	A-
Rate Guarantee	10 months	10 months	10 months	Until b-day
Application Approval Ratio	75%	65%	65%	95%
Approval Time	2-3 working days	2-3 working days	2-3 working days	2-3 working days
Secure & Safe Online Application	Adobe Acrobat	Yes	Adobe Acrobat	Yes
National Doctor Coverage	Yes	No	No	Yes
Doctor Network	3800 Providers 35 Hospitals	80% of Utah		PHCS
Pre-Existing Conditions Covered	Contingent upon prior coverage	Contingent upon prior coverage	Contingent upon prior coverage	Contingent upon prior coverage
Their	Peak Plans	Blue Advantage	"Select Med" High Level Base Level	One Deductible Plan
HSA Accounts	Major Value	Minor  Value	Minor Value	Major Value
24-Hour Customer Service	No	No	No	Yes
Vision	Yes	No	Yes	No
Dental Insurance Available?	Included Free	No	No	No
Maternity Covers	Yes	Yes	Yes	Yes
Maternity Waiting Period	No	3 months	No	Yes
Office Co-Pays	Yes	Yes	Yes	Coming Soon
Accidental Death Life Insurance	No	25,000	No	Available
Prescription Co-Pays	Yes	Yes	Yes	Yes

Maternity 500 deductible with no waiting period!

Been Denied for health insurance? There is hope!

Dental insurance quotes!

With health insurance,there are several things to be aware of.Take it from a "Field Underwriters" perspective!

First with Utah based health insurance policies it is important to understand "approval" vs. "decline".  This is a big point because you can be hurt by it! Health insurance policies are regulated by each state. Companies and policyholders alike must abide by established insurance laws.  But did you know that for Utah there are fewer regulations than most states – fewer regulations mean greater latitude for the insurance companies and less protection for the shopping consumer.

Second, if you have any pre-existing conditions, you must know how each Utah based health insurance company will treat those specific conditions in the underwriting process. Some conditions may mean automatic rejection of your application. In these cases we guarantee you access to a insurance policy.

Third, a rejection from an insurance company is a black mark that follows you for two years minimal. One mistake and you will find it hard if not impossible to get health insurance. Always seek the assistance of a professional.

Fourth, some insurance companies are "non-domiciled licensed" in Utah (no local location) and operate by renting a network of doctors and hospitals. Companies such as these may not be in your best interest. Only deal with carriers that are readily recognizable by your doctor.

Value Added Bonus

It is our job to professionally chauffeur you to the front of the line!  Plus we will be there after your policy is issued to resolve any claim problem that might occur in the future. Working through us assures you'll get great pricing options now and when your policy renews by utilizing our proven "competition system".  And we are contracted by these carriers to perform these services free of charge to you! We start the field underwriting for you now and help you with suggestions that save you money! We know the "path" through the confusing city of health insurance.... so climb on in!

Price Guarantee

Many people believe they are saving money by going directly to an insurance company. This is an incorrect assumption.  Whether you work through us or directly with the health insurance company, you'll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through BenefitsManager.net and rest assured that you're getting the best prices available and you qualify for our Value Added Bonus.