Best for:
Small businesses that want comprehensive coverage for their employees who frequently use healthcare.
Why it works:
Traditional plans include lower deductibles and fixed copays, offering consistent benefits and straightforward access to care, making them easier for employees to understand and use.
Best for:
Employers and employees who are cost-conscious, need medical care less frequently, and value the ability to save tax-free with a Health Savings Account (HSA).
Why it works:
HDHPs allow participants to contribute pre-tax dollars to an HSA, which can be used to cover qualified healthcare costs. This strategy enables individuals and groups to maximize their tax savings and build funds for future medical expenses.
Best for:
Employers seeking a balanced solution that provides straightforward copay structures.
Why it works:
Copay plans feature clear, predetermined costs for commonly used services like office visits and prescriptions. This enables employees to budget with confidence due to more predictable out-of-pocket expenses.
Best for:
Employers with 15+ employees who want more control, cost transparency, and potential savings, and who generally have lower or predictable healthcare utilization.
Why it works:
Level funded plans combine the predictability of a monthly payment with the potential to share in surplus if claims are lower than expected. They involve group-specific underwriting that can result in groups with lower utilization getting more competitive pricing–while still feeling familiar to employees.
Select Health Value is our most affordable network and includes all Intermountain Health doctors, facilities (including Primary Children’s Hospital), clinics, and Instacare /KidsCare locations — including specialists you can see without a referral. This network also includes access to dozens of clinics and providers who are aligned with Intermountain Health. It also includes access to Huntsman Cancer Institute for a cancer-related diagnosis.
The Select Health Med network is available statewide and is a good option no matter where you live or work in Utah. It includes all Intermountain Health facilities, clinics, doctors, and key specialty facilities such as the Huntsman Cancer Institute for a cancer-related diagnosis and Moran Eye Center.
Additionally, Select Health Med plans include in-network access across the U.S. through the UnitedHealthcare Options PPO network.
Note: Maps are representative of geographic areas where plans are available to purchase and are subject to change. In some cases, participating providers and facilities are available outside indicated network areas. Please consult with Select Health Member Services for current network information.
