Compare Select Health Insurance and Medicare Plan Options

This page explains how Select Health Medicare plans work, what to check before you enroll, and how Select Health Medicare plans compare with everything else available in your county. We are an independent agency, not the carrier.

Select Health at a glance

What Select Health offers

Select Health began in Utah and now serves a broader Intermountain West footprint. Its Medicare, individual and employer product maps do not always align.

For 2026, official Medicare materials support Select Health Medicare Advantage availability in defined parts of Utah, Idaho, Nevada and Colorado. The plan-document library includes HMO plans, D-SNPs, drug-covered options and some no-drug plan designs. The carrier's pharmacy manual identifies Medicare service areas in 13 Utah counties, Clark and Nye Counties in Nevada, and 18 Colorado counties. Idaho materials identify multiple Medicare networks, but the exact plan must still be checked by ZIP code.

The plan's Evidence of Coverage, Summary of Benefits, directories and formulary provide the details that matter.

Four quick, stand-alone answers

Select Health is not available everywhere. Its verified 2026 Medicare footprint is limited to portions of Utah, Idaho, Nevada and Colorado, with service areas set at the plan and county level.

Select Health Medicare plans are private coverage. Original Medicare Parts A and B are administered by the federal government; a Select Health Medicare Advantage plan is a private alternative for receiving Part A and Part B benefits.

A D-SNP is not automatic. Enrollment requires Medicare, an accepted level of Medicaid, residence in the plan's service area and satisfaction of the plan's rules.

An agent relationship must be documented. O'Neal Insurance Group should confirm carrier appointment, annual certification and ready-to-sell status before presenting a Select Health plan as one the agency can enroll.

Select Health Medicare plans: products and state availability

Carrier and product availability varies by state, county, ZIP code, eligibility, and plan year. Contact O'Neal Insurance Group to learn which companies and plans are currently available in your area.

How Select Health Medicare coverage works

Original Medicare includes Part A for inpatient hospital coverage and Part B for outpatient and medical services. It generally lets beneficiaries see any provider nationwide who accepts Medicare. Original Medicare does not include a yearly out-of-pocket maximum for Part A and Part B services. A beneficiary may add a stand-alone Part D plan and, when eligible, a Medicare Supplement policy from a carrier that offers one.

Medicare Advantage, also called Part C, combines administration of Parts A and B through a Medicare-approved private plan. Many plans include Part D. Select Health's documented 2026 Medicare offerings are principally HMOs, including D-SNPs. An HMO generally expects members to use its provider network except for emergencies, urgent care and other plan-defined exceptions. Primary care selection, referrals and prior authorization can apply.

Every Medicare Advantage plan has a maximum out-of-pocket limit for covered Part A and Part B services, but the limit and the costs that count toward it are plan-specific. A formulary controls which prescription drugs are covered and at what tier. Provider and pharmacy networks can change, so check them directly before applying and review the annual notice each year.

Dual eligibility and Special Needs Plans within Select Health Medicare plans

Select Health documents D-SNP offerings in selected service areas. These plans are for people who have Medicare and a level of Medicaid accepted by the plan. Medicaid categories and benefits differ by state. The state Medicaid agency—not Select Health or an insurance agent—decides Medicaid eligibility. Medicaid status can affect cost sharing, coordination and access to certain supplemental benefits.

Medicare Savings Programs may help eligible people with Medicare premiums and, in some categories, deductibles or cost sharing. Low-Income Subsidy and Extra Help are two names for the same federal Part D assistance program. Extra Help may reduce eligible beneficiaries' Part D premiums, deductibles and prescription cost sharing; it is not a Select Health bonus and qualification is not automatic.

No current evidence reviewed established a Select Health C-SNP or I-SNP for 2026. Do not describe those products as available unless a current county-specific plan document confirms them.

Part B reductions and flex cards with Select Health Medicare plans

Some Select Health plan names and documents refer to “Flex” options, and official materials identify supplemental features on certain plans. A product name does not tell you the allowance, eligible purchases or rules. Read the Summary of Benefits and Evidence of Coverage for the exact plan.

Part B premium reductions, flex cards, and other supplemental benefits are not included with every Medicare Advantage plan. Availability, eligibility, benefit amounts, approved expenses, and participating locations vary by plan and service area.

A Part B giveback is a plan-specific reduction in the amount a member pays toward the Medicare Part B premium. It is not cash and may take time to appear through Social Security. A flex card is a plan-controlled payment method for approved items or services. Dental, vision, hearing, fitness, transportation, food, utility and over-the-counter benefits can have networks, frequency limits and eligibility rules.

Veterans and Select Health Medicare plans

VA health care, TRICARE and Medicare are separate systems. A veteran may be able to keep VA care while joining a Medicare plan, but Medicare Advantage does not replace VA benefits. Before choosing a Select Health plan—especially one without Part D—review VA prescriptions, non-VA doctors, referrals, urgent and emergency care, and travel needs.

People with TRICARE for Life should speak with TRICARE before adding or changing Medicare coverage. Confirm whether existing drug coverage is creditable and how another plan could interact with military benefits. The VA and TRICARE, not the carrier or agent, are the authorities on those programs.

Non-Medicare Select Health coverage

These are separate contracts from Medicare. Dental or vision coverage is not Part of Original Medicare simply because the same organization offers it. Utah Medicaid coverage is also separate and subject to state eligibility.

Compare a non-Medicare policy by its network, deductible, out-of-pocket limit, covered services, exclusions, drug list and state availability. Do not use a Medicare provider directory to evaluate an employer or individual plan.

How we narrow Select Health Medicare plans

A licensed O'Neal Insurance Group agent can help you compare insurance companies and plans currently available in your ZIP code and county. The agent can organize plan documents, check providers and medications, explain network rules and help submit an enrollment request after you decide.

Public sources did not confirm that James O'Neal or O'Neal Insurance Group is currently appointed, certified and ready to sell Select Health products. That authorization should be confirmed in carrier records before the agency markets or enrolls a Select Health plan. An agent explains programs but does not determine Medicare, Medicaid, Medicare Savings Program or Extra Help eligibility.

Seven steps to compare Select Health Medicare plans

1. Confirm Medicare entitlement and the enrollment period that applies.
2. Determine whether Medicaid, a Medicare Savings Program or Extra Help may be relevant.
3. Enter the permanent residential ZIP code and county in the current plan finder.
4. List doctors, hospitals, pharmacies and every prescription with dose and frequency.
5. Identify VA, TRICARE, employer, union or other existing coverage.
6. Compare premiums, deductibles, copays, coinsurance, maximum out-of-pocket limits, networks, formularies, prior authorization and eligibility rules.
7. Read the official Summary of Benefits, Evidence of Coverage, formulary and provider directory before submitting an enrollment request.

Frequently asked questions about Select Health Medicare plans

How to compare Select Health Medicare plans against the alternatives

No carrier is the right answer for everybody, and that includes Select Health Medicare plans. What decides it is your own doctors, your own prescriptions and how you prefer to pay, in that order.

Start with your providers. Check every physician you want to keep against the plan directory, and confirm the medical group as well as the individual name. That single step rules Select Health Medicare plans in or out faster than any brochure will.

Then price your prescriptions. Two plans with an identical premium can differ by thousands of dollars a year once your real drug list is run against each formulary. Ask specifically about tiers, step therapy and prior authorization.

Then look at the ceiling, not the premium. Every Medicare Advantage plan carries an annual out-of-pocket maximum; Original Medicare on its own does not. That ceiling is the real protection, and it varies by thousands of dollars between plans.

Commissions are set by the Centers for Medicare & Medicaid Services and are identical across carriers for the same product line. An independent agent comparing Select Health Medicare plans with everything else available in your county therefore has no financial reason to favor one over another.

What 2026 changes for Select Health Medicare plans

Two federal rules apply to every Part D policy this year, Select Health Medicare plans included, whether standalone or bundled inside a Medicare Advantage plan. No plan may charge a drug deductible above $615, and once you have spent $2,100 out of pocket on covered drugs your cost for the rest of the calendar year drops to zero.

The Medicare Prescription Payment Plan lets you spread that $2,100 across monthly installments instead of facing a large bill in January. It is worth asking about if your medications are expensive early in the year.

What still changes annually is the detail: networks, formularies, copays and supplemental benefits. The Annual Notice of Change your carrier sends by September 30 is where those changes are disclosed, and it is the document to read before deciding whether to keep Select Health Medicare plans for another year.

Enrollment windows that apply to Select Health Medicare plans

The windows below govern Select Health Medicare plans exactly as they govern every other Medicare Advantage and Part D plan. They are federal, not carrier-specific, and no salesperson can extend one for you.

Initial Enrollment Period. Seven months centred on the month you turn 65 — the three months before, the birthday month itself, and the three months after. Part B and Part D late penalties are permanent, so this is the window that costs money to miss.

Annual Enrollment, October 15 to December 7. Open to everyone on Medicare. Whatever you choose takes effect on January 1.

Medicare Advantage Open Enrollment, January 1 to March 31. One change only, and only if you are already enrolled in an Advantage plan.

Special Enrollment Periods. Moving out of a plan’s service area, losing employer coverage, entering or leaving a nursing home, or gaining or losing Medicaid each open a window outside the normal calendar.

Medicare reference charts

One more chart that answers a question we get constantly.

Check Select Health Medicare plans independently

Never take an agency’s word for how a carrier performs, including ours and including anything we say about Select Health Medicare plans. Each of these sources is free and sells nothing.

• Medicare.gov Plan Compare — every plan sold in your ZIP code, with star ratings and your prescriptions priced in
• SHIP National Technical Assistance Center — free one-to-one counseling in your state
• Social Security Administration — Extra Help with prescription drug costs
• National Association of Insurance Commissioners — carrier complaint records and agent license lookup

Related guides on this site

• Medicare Simplified — the full guide for anyone new to Medicare
• What Medicare Advantage costs and how Medigap works
• The five Medicare deadlines that matter
• Every carrier we compare
• Book a no-cost appointment

Or call (877) 808-2900 and we will compare Select Health Medicare plans against every other plan available in your county, at no cost and with no obligation.

Disclosures

Not all carriers, products, benefits, or plans represented by O'Neal Insurance Group are available in every state, county, ZIP code, or service area. Plan availability and benefits may change each plan year. Please call or contact us to learn more about the options currently available in your area.

O'Neal Insurance Group is not connected with or endorsed by the United States government, the federal Medicare program, any state Medicaid program, the Department of Veterans Affairs, or any insurance carrier.

We do not offer every plan available in your area. Currently we represent 30 organizations which offer over 125 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Select Health names and marks belong to their respective owner. O'Neal Insurance Group does not claim carrier endorsement.