Utah Health Insurance Quotes

Humana

Regence Blue Cross Blue Shield of Utah

SelectHealth

In Utah medical underwriting is allowed. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions.

 

Utah offers a high risk pool called the Utah Comprehensive Health Insurance Pool. You may be eligible for this pool due to your HIPAA rights or if you are a resident of Utah and have left another state’s high risk pool as long as you are not eligible for Medicaid or Medicare.

 

Coverage under the Utah Comprehensive Health Insurance Pool includes doctor visits, prescription drugs, outpatient and in-hospital care, maternity, ambulance, labs and x-rays, skilled nursing care, hospice, home health visits, transplants, rehabilitation, durable medical equipment, mental health and substance abuse, physical, speech and occupational therapy, and preventive care. 

In Utah, medical underwriting is allowed with plus or minus 30% of the indexed rate based on the health status of the group.  There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior health coverage.

 

Utah offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce. 

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Children

Children (ages 1-5)-133% of the Federal Poverty Level
Children (Ages 6-19)-100% of the Federal Poverty Level

 

Pregnant Women and Infants

Pregnant Women-133% of the Federal Poverty Level
Infants (ages 0-1)-133% of the Federal Poverty Level

 

Parents

Non Working Parents- 150% of the Federal Poverty Level

Working Parents- 150% of the Federal Poverty Level

 

Other populations

Medically Needy Individual- 53% of the Federal Poverty Level

Medically Needy Couple- 48% of the Federal Poverty Level

Supplemental Security Income Recipients- 74% of the Federal

Poverty Level

Aged, Blind, and disabled- 100% of the Federal Poverty Level

 

Inpatient hospital services, outpatient hospital services, prenatal care, vaccines for children, physician services, nursing facility services for persons aged 21 or older, family planning services and supplies, rural health clinic services, home health care for persons eligible for skilled-nursing services, laboratory and x-ray services, pediatric and family nurse practitioner services, nurse-midwife services, federally qualified health-center services, early and periodic screening, diagnostic, and treatment services for children under age 21.

Co-Payments

Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.

 

You may learn more about Utah Medicaid at http://health.utah.gov/medicaid/.

 

Utah offers the CHIP program to children under the age of 19 who are residents of Utah, U.S. citizens or legal residents, not covered by any other health insurance, and whose family income is up to 200% of the Federal Poverty Level. Please visit the CHIP website for more detailed information at   http://www.utahchip.org/. 

 

Utah also offers a birth to three program for children with developmental delays. Please visit the Baby watch website for more detailed information at http://www.utahbabywatch.org/eiservices/index.htm.