Health Insurance

Stellar Insurance Service, Inc. is an independent agency proud to serve the needs of individuals, families and small business throughout Utah. We are dedicated to helping our clients find the best value for their dollar.

Medical insurance is a significant investment and should be considered carefully. Many options are available through a number of sources. As an independent agency, we research available carriers and plans to see what works best for particular situations. We represent quality companies such as Altius Health Plans, SelectHealth (IHC), Regence Blue Cross/Blue Shield of Utah, United Healthcare, Humana and many others.

There are two basic types of health insurance policies: group plans sponsored by an employer or individual plans usually purchased by those without a group plan available or who are self-employed.

Individual Plans
These are usually less expensive than group plans since they are medically underwritten and are not guarantee-issue. Depending upon your health history, these plans may not be available. Maternity is covered after a $5,000 or $7,500 copay. Insurance premiums along with medical expenses may be deductible on personal income tax returns.

Group Plans
These plans are usually more expensive than individual policies. Coverage is available for health conditions that would not be covered under an individual policy. Maternity may be covered as any other medical condition after the plan deductible followed by co-insurance. Businesses have the opportunity to take a tax deduction for medical premiums paid.

Specialty Products for Unique Situations

• Supplemental health insurance pays in addition to any other insurance. Hospital policies are sometimes used to defray maternity expenses. Other policies offer specific coverage for cancer, accidental injury, intensive care, etc.
• Temporary health insurance for those between jobs, laid off, waiting for group coverage, want low-cost alternative to COBRA, or who are temporary and seasonal employees.
• Student health insurance policies especially designed for full-time students.
• International health insurance policies for worldwide coverage.

Please call us for more information about any of these programs.

Stellar Insurance Services, Inc. Salt Lake: 733-SAVE (7283) Toll-Free: (866) 209-2455 info@733save.com