Why have a deductible on your health insurance

Why We Love Bronze $0 Deductible Plans: A Closer Look at SelectHealth

Understanding health insurance plans can sometimes feel like deciphering a complex puzzle, especially when it comes to terms like deductibles and copays. At Utah Avenue, we're passionate about making insurance accessible and transparent for everyone. Today, let's dive into the world of $0 deductible plans offered by SelectHealth and explore why they might be the right choice for you and your family. Our clients have loved these plans for price and predictability in medical expenses. Something you don't get with a high deductible health plan.

The Bronze $0 Deductible Plan

SelectHealth's Bronze $0 Deductible plan is a standout option for those looking to manage their healthcare costs effectively. With this plan, everyone can qualify, making it an inclusive choice for individuals and families alike. The appeal lies in its predictability—knowing upfront how much you'll pay for services like lab tests, doctor visits, and surgeries can bring peace of mind. That's because instead of having a large deductible to pay towards for services like surgeries, lab tests, x-rays and hospital stays, you have a fixed amount, or copay, as your costs. You simply pay the fixed copay amount to the doctor or hospital and your insurance company covers the rest.

This $0 deductible copay plan has been around for only a few years, and it's one of the most popular options for families in Utah. It's the first time we've know our cost for services before they are preformed. Instead of your doctor billing insurance first and waiting to see what your share is, you can now know and pay your share up front.

While this plan is designed to eliminate deductibles, it's important to note that this plan does have a drug deductible aspect. If you require expensive medications, you may want to explore other options more tailored to your needs or at least with a smaller drug deductible. SelectHealth does have an extensive list of drugs they cover, but some require you to meet the large drug deductible before they'll cover a portion of your drugs. A local agent at Utah Avenue can help you determine if the prescriptions you take are a good fit for this plan.

Coverage for Diabetics

For those managing diabetes, SelectHealth goes above and beyond by covering many insulins at no cost to the member. This coverage can significantly ease the financial burden of essential medications, ensuring that individuals with diabetes have access to the treatments they need without added costs.

With the Bronze $0 deductible health plan, you get predictable costs for doctor office visits and lab tests needed to keep your diabetes in check. For your insulin and other necessary medications, a local agent at Utah Avenue can verify that your prescriptions will be covered on this plan. They can also go over SelectHealth list of insulins that are covered at no cost to members.

Consult a Local Agent

To fully grasp how the Bronze $0 Deductible plan could benefit you and your family, it's best to speak with a local agent at Utah Avenue. Our agents can verify whether your medications and preferred doctors accept this plan, providing you with comprehensive information to make an informed decision about your healthcare coverage.

If you'd like to see the full details of these plans for 2024, visit here.

Why Choose Utah Avenue?

At Utah Avenue, our mission is clear—to ensure that everyone has access to affordable and comprehensive health insurance. Whether it's a $0 deductible plan or another option that suits your needs, we're here to guide you through the process with expertise and care.

Ready to take the next step in securing your healthcare coverage? Reach out to us today and let's start this journey together. Your health and well-being deserve nothing less than the best in insurance options. Let's find the perfect plan that fits your lifestyle and budget.

Remember, at Utah Avenue, we're not just about insurance; we're about empowering you to make confident decisions about your health. Contact us today and discover how we can make healthcare coverage more accessible and transparent for you and your loved ones. Because when it comes to health insurance, everyone deserves options that bring peace of mind and security. Why