Utah Real Estate Industry—Health Insurance Options

Major Medical Option If you can afford the premiums and qualify by answering the health questions, you should purchase Individual medical insurance from a local carrier and broker. This would be your best choice. You should not purchase Mini Medical because these plans offer much better coverage and major medical benefits.  Many times the Individual Policy is not an option and an alternative needs to be considered.  Link to Mini Medical Benefits

Example of Utah carriers offering Major Medical and our Preferred Broker

Ask for Free Quote

Altius Health Plans                                                                 Ron Jenson, AAI, Broker

IHC Health Plans                                                                   Sentry West Insurance Services

Regence Blue Cross Blue Shield                                          (801) 272-8468 or (800) 328-1827

Example of premiums for Major Medical-- These are not actual rates (illustration only).  Premiums vary between insurance carriers, but not dramatically. Premiums vary most significantly due to age and type of benefits.

For simulation purposes only, premium ranges have been estimated to provide a general illustration.

Illustration Only

$250 per person Deductible

Premiums Increase with Age

$1,000 per person Deductible
Age in 20s
30s
40s
Age in 50s
Age in 20s
30s
40s
Age in 50s

Single Man

From

$90s

To

$200s

Single Man

From

$60s

To

$170s

Single Female

From

$100s

To

$250s

Single Female

From

$70s

To

$180s

Female/child (1)

From

$170s

To

$300s

Female/child (1)

From

$100s

To

$200s

Female/child (3)

From

$290s

To

$400s

Female/child (3)

From

$180s

To

$290s

Husband/Wife

From

$200s

To

$500s

Husband/Wife

From

$130s

To

$350s

Family of (3)

From

$270s

To

$550s

Family of (3)

From

$170s

To

$400s

Family of (5)

From

$300s

To

$600s

Family of (5)

From

$250s

To

$500s

These premiums are not actual rates and are not guaranteed or based upon specific carrier.

 

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Notice that premiums are not much different than the $250 Deductible

Are there Health questions?  Health problems are common reason individual applications are declined.  Every individual policy asks health questions and has preexisting-limitations (conditions such as maternity, mental health and prescriptions can be treated very differently between insurance carriers and between policies). Individual plans commonly ask if anyone to be insured had consulted with a doctor, chiropractor, counselor, or therapist within the past (3) three years. Applications ask if anyone has taken any sort of medication, drugs, shots, or remedies in the past (12) twelve months?  Carriers ask if any family member suspects they might be pregnant.  Individual plans generally state that no benefits for pre-existing physical conditions, (including pregnancy) or mental conditions for which medical advice, diagnosis, care, or treatment was recommended or received during the 12 months prior to the Effective Date. Back to top

Why consider Mini Medical?  If you can not qualify for Group or Individual insurance due to health or financial reasons, the Mini Medical is a good alternative. The premiums are affordable.  The MiniMedical is Guarantee Issue with No Preexisting Limits and has No Health Questions.  There are No Waiting Period and No Deductibles. Coverage begins even if there is a pregnancy, cancer, depression, stroke, alcoholism, drug addition, heart disease, diabetes or any other illness. Link to Mini Medical Benefits

Call or send E-mail for more information and a Free Quote

Ron Jenson, AAI                                                 Sentry West Insurance Services

Call: 801.272.8468 or 800.328.1827              e-mail: ron.jenson@sentrywest.com