Utah health insurance can be purchased through Benefits Manager. Our experience and knowledge protects you from the pitfalls of health insurance cost and confusion. We ensure the lowest cost with the best coverage for your needs.
Utah health insurance is proudly represented by BenefitsManager.net. our comprehensive Web Site. Represented companies include: Regence BlueCross BlueShield, Intermountain Health Care (IHC), and Altius Heath Plans.
Why should you care?
Health insurance policies are regulated by each state. Companies and policyholders alike must abide by established insurance laws. But did you know that Utah has fewer regulations than most states.
It's important to familiarize yourself with the regulations so you're more confident in your purchase. Benefits Manager Incorporated is an expert on health insurance laws and regulations. We ensure that you get the best price for the most comprehensive coverage when you purchase through us.
Companies are either licensed in the state of Utah or not. Although being licensed is a good quality indicator, you should still be aware of the few basic regulations.
For example, did you know that companies in Utah must make three standardized plans with varying levels of deductibles available to you if they offer you insurance? However, any company is free to refuse you coverage when you first apply. When making this decision and when determining how much your policy will cost, companies can base their decisions on your health status.
Also, did you know that a basic policy provision states that your policy is guaranteed renewable as long as you have not provided any false information on your application and have paid your premiums on time?
"Pre-existing conditions" are another confusing area. Quite simply, these are medical conditions that you have been diagnosed with 6 months before the effective date of your coverage.
How does this effect you if you need to buy? Companies can exclude pre-existing conditions from coverage. But, here's a key point, they can only exclude that coverage for not more than 12 months IF you do not have prior qualifying coverage that has not lapsed more than 63 days.
But beware of this one! Companies can get by this law by attaching to the policy an elimination rider refusing coverage for a pre-existing condition permanently.
This will save you money on temporary health insurance! If you are switching policies and have had continuous coverage, your old policy's exclusion period credits your new policy's required exclusion period.
Of course you know that your premiums can significantly increase because of age or declining health. But did you also know, there are limits to what you can be charged due to health status, age, and other factors.
Finally, although your policy can be canceled for certain reasons, laws prohibit companies from terminating your policy on the grounds of illness.
Wow-confusing, isn't it?
And these are just a few of the things you need to be aware of!
We are here to help! We'll answer all the difficult questions, sort out what's right for you and allow you to make an informed decision with ease.
Hands down, Benefits Manager Inc. knows the rules and regulations better than anyone in the industry.
We want you to be our client for life.
Let us help you wade through the quagmire! Get a Health Insurance Utah Quote now.
We are just an e-mail or phone call away to help you, our valued client.