With the recent changes in the government’s healthcare policies, shopping for health insurance in Utah may seem more baffling than before. This is why HealthQuoteInfo aims to assist those who want to make their plan selection easier. Our services can help you find the right package that will suit your needs.
HealthQuoteInfo can help Utah residents know more about their two healthcare coverage options. We can provide information about the plans offered by private carriers like Humana, Cigna, Cigna PDP, UnitedHealthcare Life Insurance Company, Regence Blue Cross Blue Shield of Utah, and SelectHealth. Essential information about the options offered by the state is also available on this website.
To discover your various health insurance options in Utah, all you need to do is enter your zip code in the search bar and hit enter. HealthQuoteInfo will then provide a list of the different plans that can provide the coverage you need.
Utah Health Insurance Basics: What Every Utahn Needs to Know
Like in many other states, health insurance policies in Utah are widely available on and off the federal exchange. Buying through the federal exchange used to offer lower prices to the public but with the current changes in the country’s healthcare policies, it’s pretty much a free market once again. This makes it more important for a consumer to get all the help they can get when it comes to choosing their plan.
Aside from individual plans, group plans are also attractive options for lots of consumers. It’s not legally mandated by the state for employers to offer this benefit to their workers, but a lot include it in their employment packages. It saves a lot of people from the chore of choosing a plan on their own, so it’s a benefit a lot of people look for while searching for employment.
It also guarantees that you’ll qualify for a policy. Group plans do not medically underwrite each group member so you can get a coverage even if you were deemed ineligible for an individual policy before.
Lastly, group plans are also covered by the COBRA. This government program requires employers to extend your coverage even after leaving their employment. You will need to pay for the entire cost of the premium which can be costly but it can ensure that you won’t be uninsured while in between jobs.
Despite the convenience it offers, group plans also have a few limitations. One of its downsides is that not everyone can choose the kind of coverage they’ll get. This can be an issue for those who have specific medical needs from particular professionals.
The premiums also tend to come higher for group plans. Your employer may be paying for a fraction of the plan but there’s still a chance that you could be paying way more than what’s necessary if you were underwritten as an individual.
Medicare, Medicaid, and Other Public Healthcare Programs in Utah
UT residents can also take advantage of the various state-funded healthcare programs available. Designed to provide relief to low-income households, Medicare and Medicaid ensure that everyone gets health coverage.
Like in other states, Medicare in Utah has four parts, although, not everyone qualifies for its entire coverage. Members can be enrolled in three Medicare Savings programs available locally. These include the Qualified Medicare Beneficiaries (QMBs), Specified Low-Income Medicare Beneficiaries (SLMBs), and Qualified Individuals (QIs). Each has different eligibility requirements and coverage options.
The Medicare Supplement Insurance is also available to those who want to augment their plans and get more coverage from their plans. There are about ten different subsidized Supplement plans in Utah that will match different needs.
Medicaid & Low Income Health Insurance Utah
For UT households that make about 55% to 133% of the Federal Poverty Level, Medicaid could be the best options to get insured. They offer a wide range of programs to cater to the general population’s needs. Available here are their program’s details and the information on eligibility requirements.
The federally-mandated SCHIP program is also available in Utah through their CHIP program. This program provides basic health insurance coverage to young children who do not qualify for Medicaid but still do not have enough money for a private plan. It offers two health plans available and Medicaid benefits will apply to a child who is eligible for the CHIP program. For more information on this program, click here.
The Utah Premium Partnership for Health Insurance or UPP
Another program Utah created to provide coverage to more residents is the Utah Premium Partnership for Health Insurance (UPP). It’s designed to make health insurance more affordable to those who are not covered yet. The program does this by assisting residents in paying their monthly premiums by enrolling in their employer’s health plans or COBRA.
How? This program will reimburse members up to $150 per adult and $120 per child every month as a way to ease the financial burden health insurance can bring to local residents.
Eligibility for UPP mostly depends on a household’s size and income. However, the employer’s health insurance plan or COBRA coverage also has to meet basic guidelines for a resident to become a part of the program. You can also learn more about this program by clicking here: https://health.utah.gov/upp/whatisupp.htm.
The Primary Care Network of Utah or PCN
The PCN was created to help residents pay for the costs of the services provided by a primary care provider. Through this program, the costs of primary care provider visits, dental services, birth control, eye exams,immunizations, emergency medical transportation, diabetic supplies, select ER visits, routine lab services and x-rays, and 4 prescriptions per month are covered.
There are yearly enrollment costs for the program and eligibility depends on the family’s size and income. Applications are limited and only open during specified enrollment periods. More information about the program is also available here.
Also known as the state’s High-Risk Pool, this program is the last resort insurer in Utah. They provide coverage to those who are deemed uninsurable by private carriers. SelectHealth administers this program and there are extensive eligibility qualifications apply.
Utah Open Enrollment 2019 & Utah Obamacare Insurance
The Utah Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Utah, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.