Health Insurance Utah Information
Known as one of the least densely-populated states in the entire U.S., Utah is also home to many flexible health insurance plans for its residents. With a wide variety of commercial insurance providers around the state, residents will be able to pick out an appropriate plan for themselves, or for their families to get peace of mind. Private insurance plans cater to more than just illnesses and injury nowadays.
Individuals who don’t trust large companies can also opt for the alternative state and federal insurance plans offered by the Utah government. These can also be affordable and relatively dependable alternatives, should commercial plans be out of the question. However, nobody will be able to tell you which health insurance plan is best for you or your family; only you can pick out an appropriate plan based on your needs.
Utah Health Statistics
The 2010 edition of America’s Health Rankings had some interesting statistics about Utah healthcare and insurance:
- Utah was found to have the lowest rates of binge drinking and smoking in the entire United States.
- Utah also has a rather low rate of violent crime and infant mortality.
- However, Utah was also found to have a low funding for public health care and primary physicians, with a staggering 87.4 physicians for every 100,000 people.
- Utah also ranks first in the amount of deaths due to cancer.
Despite all these varying statistics, Utah remains to be ranked high as one of American’s healthiest cities. As of the 2011 rankings, Utah is ranked at 7th, right under Minnesota.
Utah also started to offer federal health care plans in order to cater to the high-risk pool of citizens. Families who are unable to avail of private health care plans can now apply for the Pre-Existing Insurance Plan, established by the Federal HIPUtah, or the Utah Comprehensive Health Insurance Pool. More details are outlined below.
State-sponsored programs for risk pools are designed to provide health care for people with a history of medical problems. Families who are unable to purchase medical coverage from commercial companies can easily sign up for one of these government-backed plans, without fear of losing health care benefits when changing or losing employment.
Utah was also a member state of the Cover The Uninsured program, which was a drive to help enroll American children and adults in available insurance coverage programs.
If you happen to be a resident of Utah at the moment, and are without a healthcare plan, consider the following options if you seek coverage. Health care can benefit you and your family in times of unexpected illnesses, injuries, and even death.
Commercial Health Insurance
Major health insurance providers generally provide the same insurance plans in Utah like they do in any other state. These insurance plans are designed to cover people from injury, illnesses, hospitalization, and even death in some benefit plans. Here are a few examples of medical health insurance plans available in Utah:
- Health Maintenance Organizations – An HMO works on a referral basis; customers are required to pick out a provider-approved physician who will then issue a referral to a specialist. An HMO can offer customers preventive care in the form of affordable premiums and lower initial costs.
- Indemnity Plan – This kind of plan allows a plan holder to pick out his or her own preferred healthcare providers and medical institutions. Since an indemnity plan is extremely customizable, it demands a rather high premium, and may even include deductibles.
- Point of Service Plan – The POS also requires plan holders to work on a referral basis. However, a plan holder who receives medical care out of an insurance plan’s network will receive reimbursements for treatments. Many of the premiums involved with a POS are higher than an HMO plan.
- Preferred Provider Organization Plan – A PPO plan allows a plan holder to pick out providers and facilities just like an indemnity plan would. You will also receive reimbursement for medical care done out of a provider’s network, but you will have to pay deductibles, and in some cases, co-insurance.
Utah laws require that health insurance providers are able to cover specific benefits. Part of the Utah State Legislature, under Title 31A of the Insurance Code, also includes provisions for coverage for infants and children under parents’ policies, as well as a section outlining insurance fraud.
Government-Funded Insurance Plans
Citizens of Utah are also able to avail of insurance plans provided by the state government. These plans may also cover injuries, illnesses, workplace mishaps, hospitalization, along with the many other benefits outlined in the State Insurance Code.
- Utah Children’s Health Insurance Program – The Utah CHIP is capable of providing subsidized healthcare for children up to the age of 19. However, families must be residents of Utah, and must meet income requirements and other criteria in order to be eligible. In most cases, there is a waiting period before a child can be eligible for the CHIP, but this can be bypassed in some circumstances.
- Utah Health Insurance Pool – Utah residents who are unable to avail of commercial health insurance plans can obtain a state-sponsored HIP Utah plan. High-risk citizens are welcome into this government-funded insurance plan, but there is also waiting period for people with pre-existing conditions. Deductibles, co-insurance payments, and other fees may also be included in some cases.