Hidden Benefits of Select Health Plans Most People Don’t Know About
Hidden Benefits of Select Health Plans Most People Don’t Know About
Select Health covers preventive care at 100% on most plans, which means you pay nothing out of pocket for these essential services. Select Health, a nonprofit health plan serving Utah, Idaho, Nevada, and Colorado, puts members first, with over one million people across the United States benefiting from its coverage.
Most people don’t know about all the valuable perks that come with Select Health plans. Beyond basic coverage, Select Health insurance has many hidden advantages that can substantially improve your healthcare experience. The plans are great if you have individual needs, a family, an employer, or if you are eligible for Medicare or Medicaid. This piece highlights those lesser-known features that set Select Health apart from other providers.
We’ll explore money-saving features, unexpected services that boost daily life, and local benefits you might be missing. This information will help you make the most of your coverage, whether you’re looking for a new health insurance provider or want to get more from your current Select Health plan.
Cost-Saving Features That Go Beyond Premiums
Image Source: HealthDiscovery.org
Select Health plans do more than just compete on premiums. They pack several money-saving features that members often miss. The plans cover preventive care services at 100% in most cases, which means you won’t pay anything for annual checkups and vital screenings [1][2][3]. This benefit can save you hundreds of dollars each year and help keep you healthy.
The RxCore pharmacy program from Select Health offers tiered prescription coverage. You can get lower-cost generic medications instead of expensive brand-name options [4]. For example, Tier 1 medications cost the least, and some plans don’t apply pharmacy deductibles to them.
The financial safeguards built into these plans stand out. Annual in-network out-of-pocket maximums ($8,050 for individual coverage and $16,100 for family coverage) protect you from overwhelming healthcare costs [5]. Some Select Health plans work with Health Savings Accounts (HSAs), and employers contribute $45 per month for individual coverage and $90 per month for family coverage [5].
Select Health also gives you practical tools to save money:
- Free nurse consultation lines before doctor visits
- Telehealth services through Intermountain Connect Care
- Home prescription delivery that saves both time and money
- Care managers who help you get needed services at the right prices [6]
These hidden features make Select Health insurance worth a lot more than what you see upfront.
Unexpected Services That Improve Daily Life
Select Health offers services that can enhance your daily life beyond basic medical coverage. You can get customized Health Coaching at no extra cost if you’re eligible. The certified wellness coaches work with you one-on-one to build eco-friendly health habits and link you to useful health resources [7]. These virtual sessions run 20-45 minutes and help you find your motivation to live healthier. You’ll learn to take small steps toward your wellness goals.
Mental health coverage is often overlooked but crucial. Select Health plans include behavioral health treatment, such as psychotherapy, counseling, and substance use disorder treatment, as key health benefits [8]. It’s worth mentioning that these plans can’t deny you coverage or charge extra for pre-existing mental health conditions. They also can’t put yearly or lifetime dollar limits on your services.
Complete home health services are ready to help you with nursing care, physical therapy, occupational therapy, speech therapy, and home health aide services [9]. These services can significantly improve your quality of life by providing professional care right at home.
Select Health also links you to resources like SAMHSA’s National Helpline. This free, confidential service runs 24/7 to help you find treatment if you face mental health or substance use challenges [10].
Local and Regional Benefits You Might Miss
Image Source: Select Health
Select Health plans come with region-specific benefits that most people don’t know about. This not-for-profit health plan provider serves over 900,000 members in Utah, Idaho, Nevada, and Colorado [11]. These local perks make a big difference in coverage and convenience.
Select Health leads the pack in Utah, offering the most affordable 2026 Silver plans [12]. The government gives its HMO plans top-quality ratings statewide [12]. Utah members also pay much less out-of-pocket for primary care and specialist visits than customers of other insurers [12].
MemorialCare Select Health Plan gives California members access to a robust healthcare network. Members can choose from more than 100 primary care physicians and over 1,200 specialists [13]. This network will provide California members with quality care, regardless of their medical needs.
Members in all service areas can use Intermountain Healthcare’s ConnectCare telehealth program [11]. You can talk to doctors via your computer or smartphone anytime, day or night [11].
Higher-tier plans come with extra regional benefits like:
- Transportation to medical appointments
- Allowances for over-the-counter medications
- Better coverage for vision, dental, hearing aids, chiropractic care, and acupuncture [11]
Conclusion
Select Health plans pack more value than meets the eye. Members often look only at premium costs, but these plans hide substantial value beneath the surface.
Members save hundreds of dollars each year through free preventive care that promotes regular checkups. On top of that, the tiered prescription program makes medicines more affordable, and home delivery makes them even more convenient.
The sort of thing I love is the free health coaching sessions that give tailored guidance – something other insurers charge extra for. Mental health services are a crucial benefit right now, as they are in high demand but not easy to access.
Select Health gives specific perks to make healthcare more available and affordable for people in Utah, Idaho, Nevada, and Colorado. Members can find the right care, wherever they are or what their medical needs are, thanks to wide provider networks.
Take time to dig into these hidden benefits before picking a health insurance plan. Many people miss out on great services because they don’t know what’s available. You can get the most from your coverage and end up with better healthcare without extra costs, whether you’re thinking over a new plan or already have Select Health.
Quality health insurance goes beyond emergency coverage – it’s about complete support that improves your daily wellbeing. Select Health plans definitely deliver here, but you need to know where to look.
Key Takeaways
Select Health plans offer numerous hidden benefits that can save money and improve healthcare experiences beyond basic coverage.
• Preventive care is 100% covered on most Select Health plans, saving hundreds annually on checkups and screenings • Free health coaching and mental health support provide personalized wellness guidance and comprehensive behavioral health coverage • Regional advantages include extensive provider networks with over 1,200 specialists in some areas and 24/7 telehealth access • Cost-saving features extend beyond premiums through tiered prescription programs, HSA compatibility, and capped out-of-pocket maximums • Home health services and care management offer professional support in comfortable settings with personalized assistance
Many members miss these valuable services simply because they don’t know they exist. Understanding these hidden benefits can help you maximize your Select Health coverage, enhance your healthcare experience, and reduce costs.
FAQs
Q1. Is Select Health a reputable insurance provider? Select Health is known for offering quality insurance, good customer service, and competitive pricing. They have a wide network of healthcare providers and a track record of resolving billing issues effectively.
Q2. What are some unique benefits of Select Health plans? Select Health plans offer 100% coverage for preventive care, free health coaching, comprehensive mental health support, and region-specific benefits such as extensive provider networks and 24/7 telehealth access.
Q3. How does Select Health help members save money beyond premiums? Select Health offers cost-saving features, including tiered prescription programs, HSA compatibility, capped out-of-pocket maximums, and free nurse consultation lines, to help members reduce their healthcare expenses.
Q4. What kind of support does Select Health offer for home-based care? Select Health offers comprehensive home health services, including nursing care, physical therapy, occupational therapy, speech therapy, and home health aide services, allowing members to receive professional care in the comfort of their homes.
Q5. Are there any special regional benefits for Select Health members? Yes, Select Health offers region-specific benefits. For example, in Utah, they provide some of the most affordable Silver plans and top-rated HMO plans. In California, the MemorialCare Select Health Plan provides access to more than 1,200 specialists.
References
[1] – https://selecthealth.org/wellness/preventive-care
[2] – https://selecthealth.org/blog/health-insurance-basics/what-is-a-copay
[3] – https://selecthealth.org/individual-family
[4] – https://selecthealth.org/resources/drug-exceptions
[5] – https://healthselect.bcbstx.com/medical-benefits/healthselect-plans
[6] – https://selecthealth.org/blog/about-select-health/5-ways-your-health-insurance-company-can-save-you-money-and-time
[7] – https://selecthealth.org/wellness/health-coaching
[8] – https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/
[9] – https://www.medicare.gov/care-compare/details/home-health/109119/view-all?state=FL
[10] – https://www.samhsa.gov/find-help/helplines/national-helpline
[11] – https://www.healthline.com/health/medicare/select-health-medicare-advantage
[12] – https://www.nerdwallet.com/insurance/health/utah-health-insurance
[13] – https://www.memorialcareselecthealthplan.org/
