Individual Health Insurance Policies

This locally based web site provides an health insurance buying source for Utah residents looking for Utah health insurance plans. This site is one of the oldest and most respected sources with over 17 e-pages of information. You get the many options for coverage complete with online quotes & a safe online application process. Use our site to quickly find the information you need to obtain the right coverage for you or your family or call us for no pressure non-biased advice. Our system is time tested and delivers you the best options which save you money! Trust local "know how" and save now!

#1 Get our quote comparisons between local carriers. Our easy to understand program will list in order from the least to the most expensive plan. It will also compare benefits between each local carrier.  We make a complicated self shopping analysis very easy!

#2 Check your email directly after requesting your electronic quote. Or if you request to have it mailed to your home, watch for copies of what you'll see shortly. (LOOK FOR>mikeoliphant@benefitsmanager.net just in case your spam folder thinks I am a bad guy!) This alleviates you from having to complete the quoting steps again! Our information packets will act as your guide. They'll be customized personally for your budget.

#3 Pick and apply with at least 2 carriers. Why? Our system fosters competition for your business and it's free! Because we are located in Utah, we have the home court advantage over other websites! You win every time we get carriers competing over your business. After the dust settles, you simply pick the best bargain!

Group Health Insurance Policies

Utah group health insurance and "Economies of Scale" internet technology has greatly changed the dynamics of buying power for employers of all sizes. This is especially true when securing affordable group health insurance coverage for employees. Choosing affordable coverage from your local resource (agent) has become difficult at best. Through this portal, you can now have access to professionally licensed life and health insurance producers who bring to the negotiation table the experience and clout to get you the best group health insurance package guaranteed. We are leaders within the "Utah Association of Health Underwriters" or UAHU. We consult and volunteer our time with the State of Utah in improving health care costs through UAHU.org.

Ask Yourself....
Can we get more affordable coverage within Utah group health insurance plans?
Can we benefit from a consultant?
Are my current benefits optimized to meet our budget?
What legality risks am I exposing myself to by handling COBRA, ERISA or HIPPA internally?

Dental Plans

Utah Dental Plan - Offering one makes economic sense to you as an individual or even as a employer. One reason for employee absences or poor work performance is dental problems. A Utah dental plan can help you find and keep good employees. In fact, Utah dental plans are one of the most requested employee benefits.

Utah dental plans are unique from medical insurance plans because most medical expenses are unpredictable, high cost and an insurable risk. Most dental needs and treatments on the other hand are predictable and low risk. Dental disease is most often preventable and treatment begins with relatively low-cost diagnostic procedures, such as exams and x-rays. If decay or disease is detected, the sooner it is treated, the less expensive that treatment will be. The dental needs of an employee group are highly predictable. Extremes in cost and utilization (evident in many medical benefits) are rarely observed with dental statistics

Utah dental plans are business arrangements between an insurance company and an employer. Most plans are designed to pay only a portion of your dental expenses. However, dental plans may exclude or discourage certain treatments, such as dental sealants, which can prevent tooth decay and save you money later on. Carefully read a plan and know its limitations.

Maternity Health Insurance Policies

It has finally arrived! The problem with obtaining maternity insurance in the past was that you were faced with maternity deductibles anywhere from $5000 to $7500 from carriers such as ALTIUS, Regence BlueCross BlueShield and SelectHealth/IHC. That may be fine if you are not planning for pregnancy...but the benefit level just isn't there if you need that specific benefit. Assurant Health now offers maternity insurance at 100% coverage after deductibles as low as $1,000.

Temporary Insurance Policies

Utah temporary insurance provides you with quality, affordable plans that are temporary due to your circumstances. These plans are affordable because they are specifically designed for people who for various reasons are temporarily without health insurance. Coverage can become effective as early as 10 minutes after you apply. They can be purchased for periods as short as 1 month or as long as 12 months.

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