SelectMyPolicy Health Insurance Review

#9 in Health Insurance

SelectMyPolicy offers an online service that helps people searching for health insurance policies. It provides an online portal where clients could easily submit their information. A team of insurance professionals then uses this information to help people find available health insurance providers in their area.

Health Insurance Companies Partnered with SelectMyPolicy

  • Aetna
  • Allied Insurance
  • Anthem BlueCross BlueShield
  • Humana

What’s Included with SelectMyPolicy?

  • Prescription drugs
  • Diagnostic tests and imaging
  • Preventive care services
  • Emergency room services and medical transportation
  • Urgent care
  • Mental health, behavioural health, and substance abuse needs
  • Hospitalization
  • Habilitation and rehabilitation services
  • Pregnancy care
  • Dental and eye care for children
  • Primary care

*From Anthem BlueCross BlueShield Health Insurance Plan

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Yes

Other Plans Offered:

  • Minimum Coverage
  • Dental Coverage
  • Catastrophic Coverage

*Information stated above are from Anthem BlueCross BlueShield Health Insurance

Plans Reviewed

Bronze Plan

  • Overall deductibles: $5,750 per person and $11,500 per family for in-network providers. Co-payments and preventive care services is not included.
  • Out-of-pocket limit: $6,350 per individual for in-network providers
  • No overall annual limit for specific covered services
  • Other covered services: Chiropractic care, Bariatric surgery, and hearing aids

Silver Plan

  • Out-of-pocket limit: $3,800 per individual for in-network providers and $10,000 for out-of-network providers
  • No annual maximum limit for selected covered services
  • Overall deductible: $3,200 per person for in-network providers and $6,500 for out-of-network providers. Both do not include preventive care services.
  • Other covered services: Private-duty nursing coverage that is limited to 2,000 hours, Hearing aids, Chiropractic care that is limited to 12 visits per benefit period

Gold Plan

  • No annual limit for specific covered services
  • Overall deductibles: $1,000 per person for in-network providers.
  • Co-payments and preventive care services are not included.
  • Out-of-pocket limit: $3,500 per individual for participating providersOther covered services: Hearing aids, Bariatric surgery, and Chiropractic care

* Information stated above are from Anthem BlueCross BlueShield Health Insurance

How Much Does It Save You?

 

Bronze

Silver

Gold

Services Offered

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

Preventive Care

None

Not covered

None

40% co-insurance

None

Not covered

Primary care

First 2 visits: 40% co-insurance

10% for the succeeding visits

Not covered

10% co-insurance

40% co-insurance

$30 co-pay

Not covered

Diagnostic Tests and Imaging

10% co-insurance

Not covered

10% co-insurance

40% co-insurance

10% co-insurance

Not covered

Specialty Drugs

10% co-insurance for retail

Not covered

10% co-insurance for retail and home delivery

Not covered

10% co-insurance for retail

Not covered

Generic Drugs

10% co-insurance for retail and mail order

Not covered

10% co-insurance for retail and mail order

40%co-insurance for retail only

$15 co-pay per prescription for retails and $30 co-pay per prescription for mail order

Not covered

Outpatient Surgery

10% co-insurance

Not covered

10% co-insurance

40% co-insurance

10% co-insurance

Not covered

Emergency Room Services

$200 co-pay and 10% co-insurance

$200 co-pay and 10% co-insurance

$200 co-pay and 10% co-insurance

Covered as in-network

$200 co-pay and 10% co-insurance

$200 co-pay and 10% co-insurance

Emergency Medical Transportation

$50 co-pay and 10% co-insurance

Not covered

10% co-insurance

Covered as in-network

10% co-insurance

10% co-insurance

Mental/Behavioral Health Outpatient Services

10% co-insurance

Not covered

10% co-insurance

40% co-insurance

10% co-insurance

Not covered

Mental/Behavioral Health Inpatient Services

10% co-insurance

Not covered

$500 co-pay per admission and 10% co-insurance

$1,000 co-pay per admission and 40% co-insurance

10% co-insurance

Not covered

Pregnancy Care

10$ co-insurance

Not covered

10% co-insurance

(Prenatal and postnatal care)

40% co-insurance

(Prenatal and postnatal care)

10% co-insurance

Not covered

Rehabilitation and Habilitation Services

10% co-insurance

Not covered

10% co-insurance

40% co-insurance

10% co-insurance

Not covered

* Information stated above are from Anthem BlueCross BlueShield Health Insurance

Annual Maximum Limit

Bronze

None

Silver

None

Gold

None

Platinum

None

 

* Information stated above are from Anthem BlueCross BlueShield Health Insurance

** Only on specific covered services

Summary

SelectMyPolicy makes it easy for health insurance shoppers find and compare different health insurance providers in their area. By doing this, it allows consumers to select the best health insurance plans that meet their individual coverage and budget needs.

 

 

 

 

 

 

 

Start your review for SelectMyPolicy Health Insurance