How Intermountain Healthcare and SelectHealth Are Connected
Intermountain Healthcare is a nonprofit health system that runs hospitals, clinics, and care centers across Utah and parts of Idaho. SelectHealth is the insurance company owned by Intermountain Healthcare. Together, they aim to coordinate medical care and coverage under one umbrella, a structure known as an integrated health system. This means patients can see Intermountain providers and often have those visits handled through SelectHealth plans, reducing friction between care and billing.
- How Intermountain Healthcare and SelectHealth Are Connected
- What SelectHealth Offers as Intermountain's Insurance Arm
- Eligibility and Enrollment in SelectHealth Plans
- Provider Networks and Finding Care
- Medicare and Medicaid Options Through SelectHealth
- Comparing SelectHealth Plans: What to Consider
- Using Intermountain Facilities With SelectHealth Coverage
- Digital Tools and Member Resources
- Understanding Costs, Copays, and Deductibles
- Is SelectHealth Right for You?
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What SelectHealth Offers as Intermountain's Insurance Arm
SelectHealth provides a range of health plans, including individual and family coverage, Medicare Advantage, Medicaid managed care, and employer-sponsored insurance. Because SelectHealth is tied directly to Intermountain's network, members typically have access to Intermountain's hospitals, specialty clinics, and primary care locations. Plan types, premiums, and provider networks can vary by region and plan tier, so checking the current SelectHealth directory for the most accurate details is important.
Eligibility and Enrollment in SelectHealth Plans
Eligibility depends on the specific product. Employer plans are subject to the employer's chosen benefits and waiting periods. Individual and family plans are often available during open enrollment or after qualifying life events such as marriage, birth, or loss of other coverage. Medicare Advantage and Medicaid plans have their own age, income, and residency requirements. Enrollment usually happens through SelectHealth's website, licensed agents, or, for employer plans, through the employer's HR department.
Provider Networks and Finding Care
SelectHealth members can generally use Intermountain Healthcare facilities, including hospitals, urgent care centers, and clinics. The network also includes many primary care physicians and specialists who have contracts with Intermountain. Members should verify that their preferred doctor or facility is in-network before scheduling care, since out-of-network services usually cost more. SelectHealth provides online tools and customer service to help members locate in-network providers and understand coverage limits.
Medicare and Medicaid Options Through SelectHealth
SelectHealth administers Medicare Advantage plans in parts of Utah and Idaho, offering an alternative to Original Medicare with added benefits like vision, dental, and prescription drug coverage. SelectHealth also manages Medicaid managed care programs, which serve low-income individuals, families, and seniors. Eligibility for these programs is based on state guidelines, income, and other factors. Plan benefits, cost-sharing, and covered services differ between Medicare and Medicaid offerings, so members should review plan documents carefully.
Comparing SelectHealth Plans: What to Consider
| Plan Category | Typical Coverage | Key Considerations |
|---|---|---|
| Employer-Sponsored | Medical, dental, vision (varies) | Tied to employer benefits; network access to Intermountain providers |
| Individual and Family | Medical, preventive care | Premiums and deductibles vary by tier; check provider directory |
| Medicare Advantage | Hospital, medical, often Rx | Supplemental benefits differ by plan; check pharmacy network |
| Medicaid Managed Care | Core medical services | Income and residency eligibility required; state-specific rules |
Using Intermountain Facilities With SelectHealth Coverage
One of the main advantages of the SelectHealth and Intermountain relationship is access to a coordinated care system. When members use Intermountain hospitals and clinics, medical records, test results, and treatment plans can often be shared across the system more easily. This can reduce duplicate tests and improve communication among providers. Members should still confirm that the specific facility or specialist participates in their SelectHealth plan's network before receiving non-emergency care.
Digital Tools and Member Resources
SelectHealth offers online portals and mobile tools that let members view plan details, check claims, find providers, and manage prescriptions. Intermountain Healthcare also provides digital health resources, including online scheduling and access to medical records through its patient portal. These tools are designed to make it easier for members to navigate both insurance coverage and everyday care within the Intermountain system.
Understanding Costs, Copays, and Deductibles
Plan costs depend on the specific product and tier. Most SelectHealth plans include deductibles, copays, and coinsurance, with amounts varying based on the level of coverage. In-network care through Intermountain providers usually costs less than out-of-network care. Members should review the Summary of Benefits and Coverage for their exact plan to understand what services are covered and what their out-of-pocket responsibility will be before receiving care.
Is SelectHealth Right for You?
SelectHealth may be a strong option for people who want coordinated care within the Intermountain Healthcare network, especially in Utah and Idaho. The integrated structure can simplify billing and provider communication. However, the best plan depends on individual needs, including preferred doctors, prescription requirements, and budget. Comparing plans during open enrollment and checking the provider network are the most practical steps before enrolling.