• Insurance Terms

Allowed Amount
The dollar amount allowed by SelectHealth for a specific covered service.
The payments and privileges to which you are entitled by your Certificate of Coverage and Contract.
COBRA Coverage
Coverage required by the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA).
A percentage of the allowed amount stated in your Member Payment Summary (MPS) that  you must pay for covered services to the provider and/or facility.
Continuation Coverage
COBRA Coverage and/or Utah mini-COBRA Coverage.
Copay (Copayment)
A fixed amount stated in your Member Payment Summary  that you must pay for covered services to a Provider or Facility.
An amount stated in your Member Payment Summary  that you must pay each year for covered services before we make any payment. Some categories of benefits may be subject to separate deductibles.
Diagnostic Test, Major
Diagnostic tests categorized as major by SelectHealth. We categorize tests based on several considerations, such as the invasiveness and complexity of the test, the level of expertise required to interpret or perform the test, and the facility where  the test is commonly performed. Examples of common major diagnostic tests are:
  • imaging studies such as MRIs, CT scans, and PET scans
  • neurologic studies such as EMGs and nerve conduction studies. 
  • cardiac nuclear studies or cardiovascular procedures such as coronary angiograms
  • gene-based testing and genetic testing

If you have a question about the category of a particular test, please contact Member Services.

Diagnostic Test, Minor
Tests not categorized as major diagnostic tests are considered minor diagnostic tests. Examples of common minor diagnostic tests are:
  • bone density tests
  • certain EKGs
  • echocardiograms
  • common blood and urine tests
  • simple X-rays such as chest and long bone X-rays
  • spirometry/pulmonary function testing
Excess Charges
Charges from providers and facilities that exceed SelectHealth’s  allowed amount for covered services. You are responsible to pay for excess charges from nonparticipating providers and facilities. These charges do not apply to your out-of-pocket maximum.
Lifetime Maximum
The maximum accumulated amount SelectHealth will pay for certain covered services (as allowed by the Affordable Care Act) during the member’s lifetime. The limit includes all amounts paid on behalf of the member under any prior health benefit plans insured by SelectHealth (including those sponsored by former employers) or any of its affiliated or subsidiary companies. If applicable, the lifetime maximum is specified on the Benefit Summary/Member Payment Summary .
Medical Necessity/Medically Necessary
Services that a prudent healthcare professional would provide to a patient for the purpose of preventing, diagnosing, or treating an illness, injury, disease, or its symptoms in a manner that is in accordance with generally
  1. accepted standards of medical practice in the United States;
  2. clinically appropriate in terms of type, frequency, extent, site, and duration; and
  3. not primarily for the convenience of the patient, physician, or other provider.

When a medical question-of-fact exists, medical necessity shall include the most appropriate available supply or level of service for the member in question, considering potential benefit and harm to the member. Medical necessity is determined by the treating physician  and by SelectHealth’s medical director or his or her designee. The fact that a provider or facility, even a participating provider or facility, may prescribe, order, recommend, or approve a service does not make it medically necessary, even if it is not listed as an exclusion or limitation. FDA  approval, or other regulatory approval, does not establish medical necessity.

Member Payment Summary (MPS)
A summary of your benefits by category of service. This personalized document is available on My Health.
Nonparticipating Benefits
A lower level of benefits available for covered services obtained from a nonparticipating provider or facility, even when such services are not available through participating providers or facilities.
Out-of-Pocket Maximum

The maximum amount specified on the Member Payment Summary (MPS) that you must pay each year to providers and/or facilities as deductibles, copays, and coinsurance.  Except when otherwise noted on the MPS, we will play 100 percent of allowed amounts during the remainder of the year once the out-of-pocket maximum has been satisfied.  Some categories of benefits may be subject to separate out-of-pocket maximums.  Payments made for excess charges and non-covered services are not applied to the out-of-pocket maximum.

Participating Benefits
The higher level of benefits available to you when you obtain covered services from a participating provider or facility.
Prior approval from SelectHealth for certain services.
Preventive Care
Services such as annual physical exams, associated tests, well-child visits, immunizations, and cancer screenings. Care provided for the diagnosis or monitoring of illness based on symptoms the member is experiencing is not considered preventive care and will apply to the appropriate medical benefit .
Preventive Services
Certain examinations, procedures, immunizations, screenings, X-rays, and laboratory tests that can detect disease conditions not known to currently exist, or which, in the case of immunizations, prevent the development of disease.
Primary Care Physician or Provider (PCP)
A general practitioner who attends to common medical problems and provides preventive services and health maintenance. The following types of physicians and providers, and their associated physician assistants and nurse practitioners, are PCPs:
  • Certified Nurse Midwives
  • Family Practice
  • Geriatrics
  • Internal Medicine
  • Obstetrics and Gynecology (OB/GYN)
  • Pediatrics
Secondary Care Provider (SCP)
Physicians and other providers who are not Primary Care Physicians or Primary Care Providers. Examples of SCPs include:
  • Cardiologists
  • Dermatologists
  • Neurologists
  • Ophthalmologists
  • Orthopedic Surgeons
  • Otolaryngologists (ENTs)

Utah mini-COBRA Continuation coverage required by Utah law for employers with fewer than 20 employees.

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038.


注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038. 。


CHÚ Ý: Nếu bạn nói Tiếng Việt, có các dịch vụ hỗ trợ ngôn ngữ miễn phí dành cho bạn. Gọi số SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038.


주의: 한국어를 사용하시는 경우, 언어 지원 서비스를 무료로 이용하실 수 있습니다. SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038. 번으로 전화해 주십시오.


ध्यान दिनुहोस्: तपार्इंले नेपाली बोल्नुहुन्छ भने तपार्इंको निम्ति भाषा सहायता सेवाहरू निःशुल्क रूपमा उपलब्ध छ । SelectHealth Advantage: 1-855-442-9900 (TTY: 711)/ SelectHealth: 1-800-538-5038 मा फोन गर्नुहोस्।


FAKATOKANGA’I: Kapau ‘oku ke lea fakatonga, ko e kau fakatonu lea te nau tokoni atu ta’etotongi, pea te ke lava ‘o ma’u ia. Telefoni ki he SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038.

Hū‘anga ki tu‘a

ОБАВЕШТЕЊЕ: Ако говорите српски језик, услуге језичке помоћи доступне су вам бесплатно. Позовите Select Health Advantage: 1-855-442-9900 (TTY- Телефон за особе са отежаним говором или оштећеним слухом: 711)/Select Health: 1-800-538-5038.


PAUNAWA: Kung nagsasalita ka ng Tagalog, maaari kang gumamit ng mga serbisyo ng tulong sa wika nang walang bayad. Tumawag sa SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038.


ملحوظة: إذا كنت تتحدث العربية، فإن خدمات المساعدة اللغوية تتوافر لك بالمجان. اتصل بشركة SelectHealth Advantage: 1-855-442-9900 (رقم هاتف الصم والبكم: 711) / SelectHealth: 1-800-538-5038.


ACHTUNG: Wenn Sie Deutsch sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur Verfügung. Rufnummer: SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038.


ВНИМАНИЕ: Если вы говорите на русском языке, то вам доступны бесплатные услуги переводчика. Позвоните SelectHealth Advantage: 1-855-442-9900 (телетайп: 711) / SelectHealth: 1-800-538-5038.


សម្គាល់៖ បើសិនជាអ្នកនិយាយ ភាសាខ្មែរ សេវាជំនួយផ្នែកភាសា ដោយមិនគិតថ្លៃ គឺអាចមានសំរាប់ អ្នក។ សូមទូរស័ព្ទមក SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038 ។


注意事項:日本語を話される場合、無料の言語支援をご利用いただけます。SelectHealth Advantage: 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038. まで、お電話にてご連絡ください。


ATTENTION : si vous parlez français, des services d'aide linguistique vous sont proposés gratuitement. Contactez SelectHealth Advantage au 1-855-442-9900 (TTY: 711) / SelectHealth: 1-800-538-5038.