Utah Health Coverage

Do you need Utah Health Coverage to protect you and your loved ones’ health? Do Right Insurance can help. We focus on finding the best policies tailored to your needs at an affordable price. Whether you’re looking for individual insurance or a corporate policy, here’s what to know about different health insurance options and the next steps to taking control of your health.

Employer-Sponsored Health Insurance

Employer-sponsored health insurance is often the primary health insurance coverage for many Utah residents. It’s a convenient, cost-effective way to get health insurance without the hassle. Companies cover a significant portion of the monthly premiums, while employees pay the rest at an affordable rate. This type of health insurance is also positioned as a perk to attract top talent and retain employees.

Individual Health Insurance Plans

Self-employed workers and those who don’t have employer-sponsored coverage need individual policies to protect their health. This type of Utah health coverage is usually purchased directly from insurance providers or through the Health Insurance Marketplace. You can select a plan tailored to your healthcare needs or budget by choosing coverage levels, deductibles, and premium options.

Medicaid

Medicaid is a vital part of providing Utah health coverage to low-income residents and families. The Beehive State’s Medicaid program offers unique policies to cover low-cost options for doctor visits, hospital stays, and prescriptions. Medicaid eligibility is income-based and recent changes in Utah have expanded available coverage to make it even more accessible to the residents who need it the most.

Medicare

Medicare, a federal health insurance program, is a similar model to Medicaid but provides coverage for those who are 65 years of age and older. Utah’s senior citizens have a few options, including Medicare Part A (hospital insurance) and Part B (medical insurance), for the healthcare services needed. There are also some additional coverage options to choose from, including Medicare Advantage and Part D prescription drug plans, to make coverage options more flexible.

Short-Term Utah Health Coverage

For anyone in between coverage, short-term health insurance plans are also available for temporary coverage. This type of Utah health coverage is designed for someone in between jobs or waiting for their employer-sponsored coverage to begin. However, this type of coverage is typically a basic, bare-bones policy and doesn’t cover robust or in-depth services.

Health Savings Accounts (HSAs)

Health Savings Accounts (HSAs) can help save money and stay on top of expensive out-of-pocket costs. They’re often paired with high-deductible health plans to allow anyone participating to contribute pre-tax dollars to cover qualified medical expenses. HSAs are also a tax-advantaged strategy for Utah residents to save for future healthcare expenses.

Catastrophic Health Insurance

Catastrophic health insurance plans are an option for younger, healthy adults who need some basic protection against major medical expenses in the unforeseen event of a severe illness or injury. This type of coverage comes with advantages, such as lower premiums but also has higher deductibles. The goal is simply to offer essential health benefits to avoid financial disaster and to avoid paying for everything out of pocket.

COBRA Coverage

You may have heard of the Consolidated Omnibus Budget Reconciliation Act (COBRA) provides gap coverage if you lose your job. You can also apply for it if you suddenly see a reduction in work hours that makes you ineligible to continue with employer-sponsored health insurance. However, COBRA is a limited-time policy that’s more expensive than what you would pay through work. You’re responsible for the full premium, but it does offer a convenient way to temporarily secure health insurance during job transitions.

Vision and Dental Insurance

Many insurance plans don’t offer any type of Utah health coverage for vision and dental care. Instead, you can choose to purchase standalone vision and dental policies that cover routine check-ups, exams, and some emergencies. If you’re prone to vision or dental issues, it’s important to look for policies that cover your unique needs at an affordable price.

Next Steps

Utah health coverage provides the healthcare you and your loved ones need at a budget you can afford. The team at Do Right Insurance helps you compare options, plans, coverage, and costs to empower you to take care of your health and well-being. Ready to take the next steps towards protecting your health? Contact us today to get a quote for your Utah health coverage.