Personal Plans are available for individuals and families both on a temporary and permanent basis. There are many carriers, deductibles and options to choose from. We can tailor the coverage to meet your individual needs.
To receive customized quotes click one of the links below. In order for us to provide a realistic quote that will fulfill your health insurance needs, you will need to answer some basic questions such as: age, sex and number of family members.
SelectHealth (IHC), Altius and Regence BlueCross BlueShield are Utah's local carriers. We start with quotes from them. Their rates are competitive and their service is excellent.
SelectHealth PLAN DESIGN OPTIONS
SelectHealth offers standard HMO products in addition to a Health Savings Account (HSA) product called HealthSave. Both product designs use the same provider and facility networks and cover the same medical services. The major differences between these plans are outlined below.
HMO
Deductible options start as low as $250
Additional benefit levels are offered with these plans, which gives you the option to waive your deductible for office visits and pharmacy services
You can select from additional copay and coinsurance options
Maternity and adoption services are covered after a separate $5,000 deductible
HEALTHSAVE
Deductible options start out at $1,500 for single coverage and $3,000 for family coverage
One deductible applies to all family members; the entire family deductible must be met before benefits are paid
The deductible applies to all covered services except preventive care
These products have been designed to be used with an H.S.A., so you can save money tax free to use for qualified medical expenses
Maternity and adoption services are not covered
Due to the higher deductibles and reduced benefit options, this product design offers the lowest premium option
No supplemental accident benefit is available
Altius I Plan Products
Open Access-No referral required
Premier Network of over 3,400 Providers, 29 Hospitals
24~Hour Coverage option for business owners
Coverage for Chiropractic services
Three-tier prescription benefit
Worldwide urgent / emergency care coverage
Peak Plus 80% or 70% Plan
Peak Plus 80% Plan has $15/$30 office visits, 80% coverage after deductible for hospitalization, and is the only plan that offers a $0 deductible option for participating providers.
Peak Plus 70% Plan has $25/$40 office visits, 70% coverage after deductible for hospitalization when using participating providers.
Fixed copays on many services help you control your out-of-pocket costs all year long.
Deductible does not apply to services such as preventive care, office visits, and urgent care when using participating providers.
Peak Plus Traditional Plan
Services such as office visits have fixed copays, once the deductible is met.
Most services are covered at 80% after the deductible for participating providers.
This plan is perfect for those who want to keep their monthly premiums as low as possible and assume responsibility for a larger portion of their day-to-day medical expenses.
Peak Plus 100% or 80% QHDHP
Covered services paid at 100% or 80% after deductible is met for participating providers.
Certain preventive care services paid at 100% or 80% prior to meeting your deductible.
Three-tier prescription coverage after the deductible is met on the 80% plan.
All out-of-pocket costs for covered services apply to your deductible, and your deductible applies to your out-of-pocket maximum.
Regence BlueCross BlueShield
Individual BlueChoices
Regence BlueCross BlueShield of Utah offers Individual BlueChoices products for individuals and families. Individual BlueChoices is not only affordable, but also offers flexibility and freedom in selecting the right type of coverage for each of your clients.
Compare Networks
| About our Regence ValueCare Network |
About our Traditional Network |
- The Regence ValueCare Network has the best rates.
- More than 4,300 preferred doctors state-wide.
- A large selection of hospitals (37 total).
- Does not require referrals to specialists.
- With BlueCard, clients can travel to more than 200 countries and their claims will be paid as if they were home.
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- The Traditional Network gives maximum choice.
- More than 4,500 doctors state-wide.
- Every hospital in Utah (44 total).
- Does not require referrals to specialists.
- With BlueCard, clients can travel to more than 200 countries and their claims will be paid as if they were home.
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Regence HSA Healthplan
- Own your health care dollars with a tax-advantaged account that covers medical expenses beyond your health plan. Or choose to save.
- Unlimited, up-front preventive care and wellness programs, plus personalized tools and support you need to make the plan your own.
- Fully integrated banking means one point of contact: Regence.
Humana One
Extensive network. Our network features approximately 350,000 medical providers, more than 3,000 hospitals, and nearly 50,000 pharmacies across most of the U.S. If you’re sick or injured while you’re traveling, you’re likely to find medical care covered by plan benefits at in-network rates, which can save you a considerable amount of money.
Plan portability is another feature that sets us apart. This means your health insurance plan coverage can continue if you move to another participating state.*
Health insurance plan variety. With HumanaOne you can customize a health insurance plan that’s just right for you. Choose the plan you like, then add any extras you need, from dental benefits and supplemental accident benefits, to prescription medication and life insurance plans.