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Agent Insight
Commercial Updates.

2025 Select Health Individual and Small Employer Plan Highlights.

Colorado Individual Plans.

  • Select Health Value network provides access to more than 50 facilities and over 9,000 providers
  • Includes access to Intermountain Health and our clinical partners UCHealth and Monument Health
  • Urgent/Emergent care outside of Colorado are covered through the Multiplan & PHCS networks
  • Prescription Benefits in 2025:
    • All plans are moving from 5 tiers to 6 tiers
      *Colorado Option plans going from 4 tiers to 5 tiers.
      Tier 1 includes preventive drugs covered at no cost to members
    • Generic maintenance medications for COPD and diabetes are still covered at $0 copay
    • Rx deductible is changing from per person to single/family
      *plans with a combined Medical and Rx deductible will remain the same
  • Renewals available mid-October 
    • Updates to APTC will show in your book of business report as available 
    • Ability to compare year over year
    • Member letters arriving by October 31
      • Also available in member portal

Idaho Individual plans.

  • Med network expansion: adding Bannock, Power, Caribou, Minidonka and Cassia counties. Removing Oneida, Franklin and Bear Lake counties. 
  • Lower deductibles on Bronze plans
  • Specialist & Urgent Care copays before deductible on Silver 3000 plan
  • Some plans saw decreases to MOOP and deductibles 
  • Silver 3000 Specialist Copay and Urgent Care copay no longer after deductible 
  • Expansion to Wellness rewards for 2025 
  • $0 Virtual care, Primary care, mental health, urgent care
  • $0 copay for most diabetic medications 
  • Member letters will be mailed out in the coming weeks and will also be available in the member portal
  • Updates to APTC will show in your book of business report as available 

Idaho Small Employer Plans.

  • Med network expansion: adding Bannock, Power, Caribou, Minidonka and Cassia counties. Removing Oneida, Franklin and Bear Lake counties. 
  • Mineral HR platform, great value adds to clients

Idaho Large Employer Plans. 

  • Minimal plan changes, some decreases on deductibles and OOPM
  • 2025 pricing is stable and competitive 

Nevada Individual Plans. 

  • Med Network Plans changing from HMO to EPO. This creates an active enrollment for On-Exchange members
  • Continue to offer before deductible copays for lab & x-ray on all non-HDHPs
  • Small adjustments to deductibles and maximum out-of-pocket 
  • Intermountain Health Maule Clinic is open and accepting new patients
  • Renewals available mid-October 
    • Updates to APTC will show on your book of business report as available 
    • Ability to compare year over year
    • Member letters arriving by October 31
    • Also available in member portal

Nevada Small Employer Plans.

  • Renewals have been published and are ready to view
  • Mineral HR platform, great value adds to clients
  • Intermountain EAP is a helpful resource to groups
  • Minor adjustments to deductibles and maximum out-of-pocket 
  • Continue to offer before deductible copays for lab & x-ray on all non-HDHPs

Utah Individual Plans.

  • $2 increase to commission rate 
  • Renewals available mid-October 
    • Updates to APTC will show on your book of business report as available 
    • Ability to compare year over year
    • Member letters arriving by October 31
    • Also available in member portal
  • CMS required changes to plan names –  review all plan benefits
  • 2025 Individual plan discontinuations
    • Med Bronze HSA
      • Consider Bronze Copay plan (lowest cost Bronze plan) or off-market Silver HSA
    • Med Silver 5900
      • Consider Silver 6000
  • Select Health Dental
    • No rate increases for 2025
    • Budget-friendly
    • Comprehensive coverage
    • Available Off-Marketplace only

Utah Small Employer Plans.

  • HSA qualified
    • Bronze 100% plan has increased deductible/OOP
    • Silver $3,200 plan has increased deductible
    • No change to Silver $4,000/$8,000 and Gold $1,750/$3,500
  • Traditional
    • Gold $750 plan has decreased OOP and decreased Rx deductible
    • Silver Copay Plan has decreased OOP and decreased Rx deductible
    • Silver $2,600 Plan has decreased member coinsurance
    • All other plans remain unchanged

2025 Commercial Plans Commission Schedule and Bonuses.

We are pleased to announce updates to our commission schedules and bonus plans for 2025. Please refer to the following links for more information.

Individual Agent of Record (AOR) helpful hints.

  • If you are acquiring business from another agent within your agency or you have purchased a portion/all of their business, send an email to Amy.Koncar@selecthealth.org and include both agents. We will process those transfers effective the following month.
  • Individual AORs must be submitted through the Select Health Link agent portal. You can find this function below the Agent Tools heading.
  • Individual AORs must be received by January 15, 2025, for a January 1 effective date.
  • AOR letters must be signed by both the member and the agent within 30 days of submission. AOR letters will be returned unprocessed if signatures are missing or the date on the letter is more than 30 days out.
  • Be sure to fully explain to the member the purpose of an AOR. Ensure the member is well-informed on what the change entails.

NOTE: For AOR changes through the FFM/Marketplace, we require an AOR be submitted through Link. We do not accept updates for AOR through Marketplace 834 files.


Updated Marketing Materials.

Updated 2025 marketing materials for the Small Employer, Associations and Individual product lines are now available in Select Health Link to view, download, and order. These materials are tailored to the Utah, Idaho, Nevada and Colorado markets, where applicable.


Mineral® – Product Guide.

Select Health is excited to offer the Mineral PlatformTM  as part of our Small Employer and Association plans. Mineral is a leading provider of HR and compliance solutions and services more than 1 million small and medium-sized businesses. To learn more about how Mineral can benefit your clients, view the product guide here.


Mineral® – Industry Value Report.

Select Health's Small Employer health plans in Utah and Nevada automatically include Mineral's HR and compliance solutions. Your clients could be saving thousands of dollars. For more details, view the industry value report here. These Mineral services will also be available to your SE Idaho and UT and ID Association groups beginning 1/1/25.