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Utah Health Insurance

Utah may be one of the top ten healthiest places to live, but over 17% of the population doesn’t have Utah health insurance, and there is limited access to primary health care. 

With such a large number of the population in UT (443,711 people) without health insurance there is a problem with health insurance scams in the state. 

No one wants to be without health insurance, and there are plenty of people out there who are willing to take advantage of that. So before you use the free quote tool above to start getting information on your UT health insurance options, take a minute to familiarize your self with the risks.

Utah Health Insurance Scams

  • Disease Policies – These are the most common scam policies in Utah.  They cover only specific diseases like cancer or heart disease but when you need them to pay out the company is suddenly gone and your premium with it.  On the other hand, there are a number of disease specific policies out there that are legit, but with complete comprehensive coverage you shouldn’t need them.  Who wants to deal with the loopholes that legit disease specific policies have such as time frames with no option to renew, fixed dollar amount of pay out and quirky caps that will only pay for in hospital care?  Even if you are considering a legit disease specific policy, take into account any comprehensive policy you now have.  There is no reason to have duplicate coverage.  It’s expensive and unnecessary.  Only one policy will pay out so you will be paying for a second policy that will not be used.

  • Stacked Policies – These are disease policies that are stacked.  A cancer policy on top of a heart disease policy on top of another policy.

  • Discount Cards – Discount cards are not medical insurance.  They claim you can save 15% to 40% on your medical bills and are marketed like insurance.  However, once you pay their monthly fees for having the card you may not be saving anything.  Are there valuable and legitimate discount card offered through reliable companies? Absolutely. Just make sure you know who you are dealing with and what you are getting.

  • Faith Based Plans – You have to have faith that your medical bills will be paid (sometimes they are not).  These are plans that are provided by a local or national church congregation and often come with stipulations based in the religious beliefs of that church. Again, there may be some good ones, but look out for the bad.

Protect Yourself With Utah Health Insurance

So, how do you protect yourself from a health insurance scam?  If it sounds too good to be true it probably is.  Don’t trust anything that has come as a bulk mailing or as email spam.  If you have any questions, you can always check with the Better Business Bureau or the Utah Department of Insurance.  The Utah Department of Insurance has a list of every insurance company that is licensed to sell insurance in the state of Utah.

Utah Health Insurance High Risk Pool (HIPUtah)

In 1991 the Utah Comprehensive Health Insurance Pool was set up with a contract through Select Health for those people who can not obtain health insurance at any price due to pre-existing health conditions such as cancer, diabetes and heart disease.  HIPUtah also serves as the states HIPPA alternative.  Currently, through a grant, until funds are depleted or until May 2009, a low income premium waiver program has been set up for low to moderate income individuals and families that will allow a 6 month waiver on premiums.

            Top Utah Health Insurance Companies/HMO’s And Their Performance As Provided By The Utah Office Of Health Care Statistics

  • Altius – Performed at or above average on most things in the year 2007 including access to care, providing immunizations, preventative care in children and adolescents, blood pressure, back pain and cancer screening and women’s health and maternity care.  Performed below average in diabetes management and screening, monitoring medication usage in patients and caring for sick children and adolescents. 

  • CIGNA and Healthwise – Much information was not reported by either company, including immunization track records, care for diabetes patients and monitoring of medications.  Everything else was reported at or just below average.

  • Select Health – Select Health is reported as performing above average in all categories except for child and adolescent health care, where it performed below average.

  • United – United provided average care in all categories except adolescent immunizations and diabetes treatment where it performed below average.

Additional Utah Health Insurance Companies

Here are the top 20 Utah health insurance companies (ranked in order of market share for the Utah individual health insurance market in 2006):

  1. Humana

  2. SelectHealth Inc. of Salt Lake City

  3. Regence BCBS of UT

  4. American Family Life

  5. PacifiCare

  6. UniCare

  7. Regence

  8. United American

  9. Altius Health Plans

  10. Genworth

  11. Equitable

  12. Bankers Life

  13. Northwestern Mutual

  14. Sierra Health

  15. Mutual of Omaha

  16. Bankers Fidelity

  17. Colonial Life

  18. Ace American

  19. Conseco

  20. State Farm

If you have questions about any of these companies then be sure and work with a Utah indpendent health insurance agent or broker or find more information about all 257 Utah medical insurance companies (selling Utah individual health insurance in 2006) at the Utah Department of Insurance.

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Get started today finding Utah health insurance. 

Use our easy to use tool at the top of the page to start comparing policies from Utah health insurance companies side by side. 

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