Justin Swain

Review of SelectHealth

Crooked company. High premiums, poor coverage and...

Crooked company. High premiums, poor coverage and yet we have to fight denials all the time. Even their member services rep admitted that we pay way to much for the plan we have. So many times we have questioned the coverage they provided, only to find there were "oversights" and coverage ended up being applied. If we did not spend hours investigating every claim submitted we would be out thousands more than what we already pay. I am beginning to believe they do it on purpose to see if people will appeal or just trust them and let it go. They tried to deny us coverage on a huge procedure because they said my company did not renew at the first of the year. I spoke with the HR director and she informed me we have renewed every year for years. After she and our benefits company spent their valuable time proving we renewed, just like we do every year, we got a heartless apology from SelectHealth and they covered it. After our daughter broke her finger, we went to an Instacare where we were referred to PMC, an IHC Inc. facility. We spent hours at PMC for a broken pinkie where we ended up being scheduled for a a surgery that they wanted to perform at the U of U hospital. When we spoke with the administration at PMC we were assured that the surgery at the U would be covered in network. Keep in mind that PMC and SelectHealth are both owned and operated by IHC Inc. When we checked in at the U of U for surgery we asked the same question and received the same response. Now we are receiving statements that are being billed out of network. When I called SelectHealth MS they told me that it was my responsibility to check with them on EVERY procedure to ensure that it is covered. When I explained that it doesnt seem right that an IHC employee working at an IHC facility would send an IHC insured individual to another hospital and tell them that its covered in network, the representative basically said he didn't care and it was my fault. We spoke with the billing specialist as the U of U who was livid with SelectHealth. She stated that they have a contract in place for cases specifically like this so that surgeries can be performed between PMC and the U hospital without causing issues. These are just a couple examples of many. I have had half a dozen insurance providers over the years and IHC (aka SelectHealth) is by far the worst.