Utah Health Insurance
Healthcare coverage for your family has never been easier than using our quote finder for your Utah health insurance comparison shopping. Your privacy is protected during your investigative research phase because your medical profile is not required to provide accurate quotes. You will answer some basic questions and our quote page will provide the information you are seeking. Our website guides you through the process and lists the requirements for each Utah health insurance provider.
Matching the Utah Health Insurance policy coverage with your familys needs is easier when you use our online quotes page. Enter your ZIP code above to begin comparing the top Utah health insurance providers today!
Utah Health Insurance Policy Options
Every family situation is different and the following Utah health insurance policy types are available to allow you to determine the best combination of insurance and out-of-pocket costs that will fit your family situation and budget. Obtaining the proper balance between annual premium amounts, deductible costs, and healthcare coverage provided by the policy is essential to the peace of mind that should accompany health insurance. Each policy is designed to meet the needs of people with varied financial ability to pay some portion of their medical expenses. Since everyone cannot afford to pay a deductible of thousands of dollars, each person must choose how much expense to carry personally.
- Co-Pay: Under this policy coverage, the insured pays a portion of each healthcare expense throughout the year. With a higher premium and lower deductible, this type of plan enables young families to budget for a portion of each medical checkup and procedure.
- Health Savings Account (HSA): The policyholder is able to set aside money in a tax-favored savings account to pay for qualified health expenses until the policy deductible is met. Any remaining balance rolls over for use during the next policy year. This type of policy has a higher deductible with a lower premium.
- High Deductible: When routine medical examinations and procedures are within the financial means of the family, this type of health insurance policy offers a lower premium and a substantially higher annual deductible. Major medical expenses are covered by the insurance policy.
- Short Term Medical: Life events can cause a gap in the health insurance coverage, and this policy can have a term of one to six months for the period between other coverage. For graduates, early retirees, the unemployed, or when other coverage will begin in a few months, this type of policy can provide health insurance.
- Student Coverage: This health insurance policy can cover a student with year-round coverage whether school is in session or not.
Utah Health Insurance Limitations and Exclusions
Every health insurance policy contains a list of hospital and medical services that are not covered by the policy. Prior to activating the health insurance policy, the policyholder should be aware what potential medical expenses and conditions are not covered by standard health insurance policies:
- Cosmetic Surgery: Elective cosmetic surgery that is not related to an injury is not covered.
- Custodial Care: When the individual is unable to complete the normal activities of daily living, the coverage does not provide for financial assistance to the policyholder.
- Donor Egg Retrieval is not paid for under the health coverage.
- Infertility treatments and other reproductive procedures must be specifically listed in the documents to be paid by the insurer.
- Weigh control services that include surgical procedures for the treatment of obesity are not covered in most standard policies.
- Experimental and investigative procedures that are not considered medically necessary by a physician will not be covered.
- Pregnancy care that is not related to complications will fall outside the coverage.
- Immunizations for travel or work will not be covered.
- Implantable medications and certain injections are not paid by the insurance.
- Orthodontics falls outside the insurance coverage.
- Medications and supplies sold over-the-counter are not paid for by insurance.
- Radial keratotomy is not paid covered by health insurance.
- Sterilization reversal will not be paid for by insurance.
- Private duty nursing is not covered by standard health insurance plans.
- Therapy and rehabilitation services must be specifically listed in the policy documents.
Utah Health Insurance for Pre-existing Conditions
Every health insurance policy handles coverage for pre-existing medical conditions differently. When prior coverage was in force, the new insurance provider will require a waiting period of 12 months prior to covering expenses related to the condition.
A pre-existing condition is defined as a physical condition, disease, illness, or injury that requires medical treatment or advice. When a medical consultation was received within six months prior to the activation of the new policy, and prescription drugs of any kind were provided a pre-existing condition is present.
Supplies and services required for treatment of the condition are not covered by the new policy for a period of 12 months. This waiting period can be waived at the discretion of the insurance company if prior continuous coverage existed within 60 days of the signature on the new policy.
Special Considerations for Health Insurance
Every health insurance policy must contain some specific coverage phrases to protect your family from the unforeseen. Although some of these may seem unnecessary, if an unexpected medical condition develops, these phrases are placed in the insurance policy to limit the liability of the insurance company. Every policyholder must be well-versed in the coverage provided by the health insurance policy to prevent serious financial hardship in the event of a major medical expense.
- Renewability Provision: This phrase prevents the insurance policy from being able to cancel your policy if you become ill. Check the policy documentation to ensure this phrase is specifically stated.
- Lifetime Payout Provision: The maximum amount the insurance company will payout under the policy will be specifically stated, and this amount will affect the annual premium amount. Most health insurance policies will have a one-million dollar limit, which can be raised or lowered at the time the policy is written.
- Waiting Periods and Pre-Existing Conditions: Specific phrases concerning the amount of time that must pass before a pre-existing condition is covered must be evaluated against the familys ability to pay expenses associated with such conditions.
- Prerequisites: Every insurer will require a certain evaluation process prior to approving the expenses associated with medical services. This list must be evaluated against the familys ability to wait for medical care.
- Exclusions, Definitions, and Limitations: Each of these sections of the policy documentation must be understood to prevent surprises when medical services are needed. If the technical language is difficult to understand, speak with an experienced agent for clarification.
Get Utah Health Insurance Quotes!
When live events change the familys health insurance coverage, take the time to investigate all the solid insurance companies that are willing to insure your family. Reliable information is available for everyone wishing to purchase affordable coverage to address healthcare needs. Simply enter your ZIP code in the space above and begin the process of finding the health insurance policy that will cover your family in the years to come. Get started finding the best Utah health insurance coverage today!