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Utah HealthBlue Cross Blue Shield Utah

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
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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.