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You have Choices in Funding and Network Options.

Networks and coverage wherever you need it.

Our products are ideal for companies with a significant presence within our Intermountain Health footprint: Utah, Idaho, and Nevada. Our diverse local networks within these areas are designed to save you money while providing employees with the access they want.

Outside our footprint, our national network provides expansive coverage in the other 47 states. The UnitedHealthcare Options PPO network includes access to two out of every three healthcare providers and 83% of all hospitals in the U.S.

Bundled networks.

If you choose a Point-of-Service (POS) plan, your network will be bundled. So, your employees will have access to one of our local networks inside our tri-state footprint as well as in-network coverage through our national network. That means that wherever your employees are living or working, they will have great access to quality providers and facilities. 

Fully Insured Options.

Traditional Fully Insured (51+ Employees - Utah & Idaho).

This is a lower-risk option in which employers prepay premiums that include expected claims and fixed costs (administrative fees and risk allocation). We pay for all covered claims as defined in our Group Health Insurance Contract.

Contingent Funding (100+ Employees - Utah & Idaho).

Fully insured employers can adopt our contingently funded plan model. This plan refunds employers if claims are low, but may cost more if claims run high.

Alternative Funding (100+ Employees - Utah & Idaho).

Our alternative funding option provides cash flow advantages when claim expenses are lower or higher than the year-to-date claims liability amount. 

Self-Funded Options.

Traditional Self-Funding (100+ Employees - Utah & Idaho).

Our experience providing self-funded administration for some of Utah and Idaho's largest employers, and numerous other clients, has given us a wealth of knowledge in third-party administration. We have dedicated stop-loss, claims, reporting, customer service, and medical management teams that provide high service levels for even the most complicated self-funded arrangements. These teams are assigned to a specific employer, so they know your employees and their specific benefits. 

Our flexible plan designs balance cost and coverage while accommodating your unique needs. We provide access to detailed claims reports that pinpoint expenses. Year-over-year we process over 96% of claims within 15 days, so our partner self-funded employers know their costs as soon as possible. With customer service that lets members speak to a live person in 15.3 seconds on average, you and your employees will love our superior service.

Level Funding (51-99 Employees - Utah & Idaho).

Employers can choose this self-funded plan with predictable monthly payments that cover administration costs, claims payments, and stop-loss coverage. We provide a menu of plan design options with opportunities for administrative credits when claims are lower than expected.

Stop-loss.

Select Health Stop-Loss limits an employer's financial risk in the event of high dollar claims for both specific (individual) and aggregate (entire employee population) claim expenses. 

Products.

Select Health Share (Fully Insured Option - Utah only).

Employer clients receive an underwritten rate in year 1, and then a guaranteed annual increase in years 2 and 3 when employee and employer required engagements are met. Employers also access our robust Healthy Living platform for employees to complete required commitments such as digital health coaching, fitness challenges, and health screenings, which help create a workplace culture of health.

Select Health Preference (51+ Employees - Fully Insured Option or 100+ Employees - Self-Funded Option).

Select Health Preference makes it easy for employees to choose the right point of service based on their needs. With this product, employees have access to three provider networks, with each network tied to a different tier of coverage. Preference is a good fit for employers who want to offer more provider choices, take advantage of the lowest costs available by utilizing the Intermountain Health system along the Wasatch Front, and access competitively priced networks with access in all 50 states.

Nationally Recognized Doctors and Hospitals.

Employers can choose between our networks, which range in size and scope to help you balance cost and access. Choose one of our Point-of-Service (POS) plans and no matter where your employees live, we will have them covered through our national network. 

Select Health Value Utah (HMO)

Select Health Value Utah is our most affordable Utah network. It is a great option for employers in and around the Wasatch Front, providing coverage for employees who live or work in Salt Lake, Utah, Davis, Weber, Summit, Wasatch, Tooele, Morgan, and Box Elder counties. Select Health Value Utah includes all Intermountain Health doctors, facilities, clinics, and InstaCare/KidsCare locations. All told, that's 37 hospitals, over 600 clinics and other facilities, and more than 13,500 healthcare providers in Utah, including specialists who members can access without a referral. This network also includes access to dozens of clinics and providers that aren't affiliated with Intermountain Health.

Select Health Share (HMO)

Our Select Health Share network must be paired with our Select Health Share product and is only available in the following counties in Utah: Salt Lake, Utah, Davis, Weber, Summit, Wasatch, Tooele, Morgan, Box Elder, Cache, Rich, Sanpete, Sevier, Millard, Iron, and Washington. Select Health Share includes 33 hospitals (including Primary Children's Hospital), over 500 clinics and other facilities, and over 12,500 providers, including specialists who members can access without a referral. Learn more about our Select Health Share product and network.

Select Health Med (POS or HMO)

Select Health Med is our most popular Utah provider network boasting over 14,000 healthcare providers in Utah. It includes all Intermountain Health facilities, clinics, and doctors, along with key specialty facilities such as the Huntsman Cancer Hospital and the Moran Eye Center. If you pair a POS plan with Select Health Med, your network includes Select Health networks in Idaho and in-network benefits through the UnitedHealthcare Options PPO network outside of Utah and Idaho. UnitedHealthcare Options PPO includes 83% of all hospital beds and two of every three healthcare professionals in the U.S. The Select Health Med POS is great option for employers who want to give their employees a national network. Employees can find in-network providers and facilities anywhere they live, work, or travel in the U.S. 

Select Health Care (POS or HMO) 

Select Health Care is our largest Utah provider network. Members can access over 14,500 healthcare providers in Utah. Like Select Health Med, Select Health Care also includes all Intermountain Health facilities, clinics, and providers, along with key specialty facilities such as the Huntsman Cancer Hospital and the Moran Eye Center. If you pair a POS plan with Select Health Care, your network includes Select Health networks in Idaho and Nevada and in-network benefits through the UnitedHealthcare Options PPO network outside of Utah and Idaho. UnitedHealthcare Options PPO includes 83% of all hospital beds and two of every three healthcare professionals in the U.S. The Select Health Care POS is great option for employers who want to give their employees a national network. Employees can find in-network providers and facilities anywhere they live, work, or travel in the U.S.

Select Health Idaho (POS)

The Select Health Network in Idaho gives members access to St. Luke’s nationally recognized hospitals, facilities, and physicians as well as the St. Luke’s Health Partners network. This network also provides access to many specialty hospitals in Utah, including Primary Children’s Hospital and the Huntsman Cancer Hospital for cancer treatment. As it is paired with POS plans, Select Health Idaho includes Select Health networks in Utah and in-network benefits through the UnitedHealthcare Options PPO network outside of Utah and Idaho. UnitedHealthcare Options PPO includes 83% of all hospital beds and two of every three healthcare professionals in the U.S. Select Health Idaho is a great option for employers who want to give their employees a national network. Employees can find in-network providers and facilities anywhere they live, work, or travel in the U.S.