Select Health insurance guidance
Compare Select Health Insurance and Medicare Plan Options
Select Health offers Medicare Advantage and other health coverage in parts of Utah, Idaho, Nevada and Colorado. O'Neal Insurance Group can help you understand how its options compare with other carriers available where you live—without turning the conversation into alphabet soup.
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Select Health at a glance
| Fact | Verified information |
|---|---|
| Official brand | Select Health |
| Organization | Nonprofit health plan associated with Intermountain Health |
| Main verified categories | Medicare Advantage, individual and family health, employer coverage, dental, vision, pharmacy services and Utah Medicaid |
| Verified Medicare states | Utah, Idaho, Nevada and Colorado |
| Medicare service-area warning | Plans are county- and ZIP-specific; the four-state footprint does not mean statewide availability |
| Current plan year researched | 2026 |
| Last reviewed | August 1, 2026 |
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.
Products and state availability
| Product | Product category | States offered | County or ZIP check? | Underwriting organization | Important limitations | Source/plan year |
|---|---|---|---|---|---|---|
| Select Health Medicare HMO plans | Medicare Advantage | Portions of UT, ID, NV and CO | Yes | Select Health | Network, referrals, drug coverage and benefits vary by plan | Select Health plan documents, 2026 |
| Select Health Medicare Dual | HMO D-SNP | Selected service areas in the four-state Medicare footprint | Yes, plus eligibility | Select Health | Requires qualifying Medicare and Medicaid status; not offered in every county | 2026 EOC and plan documents |
| No-Rx Medicare plan variations | Medicare Advantage without Part D | Selected areas only | Yes | Select Health | Confirm compatibility with VA, TRICARE or other creditable drug coverage | 2026 plan-document filters |
| Individual and family health | ACA/major medical | Defined areas in UT, ID, NV and CO | Yes | Select Health | Counties and networks differ from Medicare | Official state product pages, 2026 |
| Employer health | Group medical | Selected employer markets in the four-state region | Employer/service-area check | Select Health | Employer eligibility and network rules apply | Official network materials, 2026 |
| Dental and vision | Ancillary health | Product- and market-specific within the footprint | Yes | Select Health or identified affiliate | Not part of Original Medicare; policy terms control | Official carrier overview, current |
| Medicaid | Government health plan | Verified in Utah | Program eligibility and service area | Select Health | State Medicaid determines eligibility | Official carrier data, current |
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.
| Coverage option | How it works | Provider access | Prescriptions | Possible extras | Eligibility | Availability and limits |
|---|---|---|---|---|---|---|
| Original Medicare | Federal Parts A and B | Broad access to Medicare-participating providers | Add separate Part D | Generally no routine MA extras | Medicare entitlement | Nationwide federal program; no annual Part A/B MOOP |
| Select Health Medicare HMO | Private Part C plan | Generally network-based | Often included; verify plan | May include plan-specific dental, vision, hearing, fitness or OTC benefits | Medicare plus service-area residence | Selected counties/ZIPs in UT, ID, NV and CO |
| Select Health D-SNP | HMO Special Needs Plan | Coordinated plan network | Generally integrated; verify formulary | May include benefits tied to eligibility and plan design | Medicare, qualifying Medicaid and plan rules | Selected service areas only |
| Medicare Supplement from another issuer | Supplements Original Medicare | Any provider accepting Medicare, subject to policy terms | No outpatient drug coverage in modern plans | Generally no MA-style extras | Medicare plus underwriting/enrollment rules | State and carrier specific |
Dual eligibility, Extra Help and Special Needs 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, flex features and other benefits
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.
Guidance for veterans and military families
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
Select Health also documents individual and family major medical coverage, employer plans, dental, vision and pharmacy services in parts of its regional footprint. 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 O'Neal Insurance Group can help
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.
A seven-step plan comparison
- Confirm Medicare entitlement and the enrollment period that applies.
- Determine whether Medicaid, a Medicare Savings Program or Extra Help may be relevant.
- Enter the permanent residential ZIP code and county in the current plan finder.
- List doctors, hospitals, pharmacies and every prescription with dose and frequency.
- Identify VA, TRICARE, employer, union or other existing coverage.
- Compare premiums, deductibles, copays, coinsurance, maximum out-of-pocket limits, networks, formularies, prior authorization and eligibility rules.
- Read the official Summary of Benefits, Evidence of Coverage, formulary and provider directory before submitting an enrollment request.
Frequently asked questions
What products does Select Health offer?
Verified categories include Medicare Advantage, individual and family health, employer coverage, dental, vision, pharmacy services and Utah Medicaid. Availability differs by product and location.
In which states does Select Health offer Medicare Advantage?
Current official materials show Medicare Advantage in portions of Utah, Idaho, Nevada and Colorado. That does not mean every county in those states is served.
Does Select Health offer HMO or PPO plans?
The 2026 public plan documents reviewed clearly support HMO products. Do not assume a PPO is available in a particular county without a current plan-finder result and official documents.
Does Select Health offer D-SNPs?
Yes, in selected service areas. Enrollment requires Medicare, qualifying Medicaid status, residence in the service area and satisfaction of plan rules.
Does Select Health offer C-SNPs or I-SNPs?
No current 2026 evidence reviewed established those Select Health products. Check Medicare.gov for current county results.
Are prescriptions included?
Many Medicare Advantage plans include Part D, while current documents also show no-Rx variations. Check the exact plan and formulary.
Does Select Health offer Medicare Supplement?
No current Select Health Medigap offering was established by this research. Consumers can compare Medigap from verified issuers separately.
Can veterans keep VA health care?
VA health care and Medicare are separate. Veterans should confirm prescriptions, non-VA care and coordination with the VA before enrolling.
Does every plan have a Part B reduction or flex card?
No. Those features are plan- and service-area-specific and come with defined eligibility and usage rules.
Can James O'Neal enroll me in Select Health?
Only if the agency's applicable license, appointment, certification and ready-to-sell status are current. Those items require internal verification.
Is there a cost to speak with an agent?
O'Neal Insurance Group offers a no-cost consultation, with no requirement to apply.
What should I have ready?
Bring your Medicare information, permanent address, county, provider list, pharmacies, prescriptions, Medicaid status and details about VA, TRICARE or employer coverage.
Need help Comparing Select Health or Other Insurance Options?
Call (877) 808-2900 or contact O'Neal Insurance Group online. A licensed agent can help you compare currently available choices using your ZIP code, county, providers, prescriptions, eligibility and coverage priorities. You decide whether and when to apply.
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 over 35 organizations which offer over 50 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.