Utah Health Insurance Quote

Personal Health Plans

Personal health plans are paid for in part or entirely by the individuals covered by the plan. Personal plans are purchased on an individual basis. Plans can offer additional benefits beyond the required minimums. Different plans require different monthly premium payments, and individuals must pay plan-specific amounts through co-payments or co-insurance for services. Details about what benefits are included in coverage and how much the healthcare plan will pay can be found in the plan’s policy documents.

Most personal health plans are either health maintenance organizations (HMO), which only covers care received from a health care provider in the plan’s contracted network of providers, or preferred provider organizations (PPO), which allows more choices in where to get services.

Public Health Plans

Public health plans are subsidized in part or paid for entirely by government funds. These plans have specific eligibility requirements.

• Medicaid (Managed Care and Fee-for-Service): Medicaid is a federal and state program that covers health care services for low-income individuals and families.
• Medicare (Medicare Advantage and Original Medicare): Medicare is a federal program available to Americans above the age of 65 and those younger than 65 if they have certain disabilities. Part A hospitalization insurance is free to most, but Part B physician’s services require a monthly premium. Part C is Medicare Advantage, which is offered by private managed care companies and must include at minimum all the benefits in Parts A and B. Part D is optional prescription drug coverage.
• Medicare Dual Eligible: Some low-income people are eligible for both Medicare and Medicaid. For dually eligible individuals, Medicaid will pay the Medicare monthly premiums on their behalf and cover benefits not covered under Medicare.