Posts Tagged ‘Financial Plan’


October 8th, 2022


The University of Utah’s Ute were the only team to go undefeated in the 2008-2009 season. The Bowl Championship Season (BCS) is now under scrutiny since the likes of Obama and Senator Orrin Hatch have been critical of potential “anti-trust” issues. So,Guest Posting depending on who you talk to, Utah is number one in college football too.


Lots of internet porn and the best economic outlook in the United States, does that lead to happiness? Not necessarily, however in a recent survey of Americans’ well-being, conducted by Gallup. Hawaii was second and Wyoming third when rating such things as mental, physical and economic health. This may need to be tempered with the fact that Utah also ranks high in anti-depressant use too.


Even the current Governor of Utah, Jon Huntsman, thought Utah’s “membership” laws are “kooky”. Basically, you had to purchase a membership for every bar you patronize. In effect, it’s like a government mandated cover-charge. I am using the “past-tense” in describing this aspect of the law since there have been recent sweeping changes to the Utah liquor laws. However, the liquor stores are still all state-owned and you cannot buy alcohol on Sundays…


Wow, I just moved from the pornography production capital of America (Southern California) only to find myself in the internet pornography consumer capital of the America, Utah!

Utah Maternity Insurance – What Are Some of Your Options?

March 16th, 2022

So, you live in Utah and you’re looking to expand your family and you don’t have coverage through an employer. You need to know what your options are and how you are going to afford to have this child but also not break the bank paying the premiums. We are going to cover what you can do to make sure that this baby has the best possible insurance for the least amount of dollars. One of the things to remember as we go through your options is that because Intermountain Healthcare facilities only take SelectHealth on an in network basis, if you choose a doctor that only has privileges at a IHC facility, your only real option is SelectHealth insurance unless you choose a different doctor.

The next thing we need to talk about which carriers cover maternity here in Utah and how they cover it. First we’ll deal with who doesn’t. Currently, HumanaOne does not cover maternity at all. The only real option with them is to use one of their HSA option plans and combine that with a hospital indemnity plan (which we will discuss later). Otherwise, they will not cover anything other than complications with the delivery.

SelectHealth will cover the pregnancy and delivery but only after a separate $6,500 deductible for maternity. But obviously with the amount of doctors in network for them and since their parent company, Intermountain Healthcare (IHC), is the largest health provider in the state, they always have to be looked at. They too will always cover complications as part of their regular health coverage. The one thing to remember with SelectHealth is that they will also only cover maternity in their own Intermountain Healthcare hospitals on an in-network basis. So, they will cover you in network at American Fork Hospital but not at St Marks in Millcreek.

Assurant will have the best coverage as far as deductible is concerned here. They have as low as a $1,000 maternity deductible. That means that after you pay $1,000 towards maternity care, your coverage will then kick in. Now, the only real problem is that your premiums are going to be very high since they know that with that low of a deductible that you are definitely going to use the coverage. Since the birth of a baby can cost anywhere between $6,000 to over $10,000 depending on complications or C-section, you can see that if the premiums weren’t more, the insurance companies would go broke trying to cover it all. Same thing goes for Assurant, but opposite of SelectHealth. Their coverage is good at non-Intermountain Healthcare hospitals, like St Marks or Orem Community, but not at the IHC facilities like Intermountain Medical Center in Murray.

Regence BlueCross BlueShield has a $5,000 deductible for maternity coverage and also has a great network of doctors to go to. They also follow the networks of Assurant, so make sure you doctor hospital privileges aren’t at a IHC facility.

Altius also offers coverage, but they have the highest deductible at $7,500.

Hospital indemnity plans are also an option. Since your health plan make not kick in until a certain deductible, how can you get covered without breaking the bank. That is where these types of plans come in handy. These plans will help cover the costs you incur while admitted to the hospital for child birth. That way, to help meet your maternity deductible on your health plan, the indemnity plan pays it for you. So, you will still incur the OB/GYN visits during pregnancy, but the real expensive ones on the hospital get covered. So, as an example of how this type of coverage would work, let’s use it in conjunction with a SelectHealth plan. You get pregnant and you start your prenatal visits with your OB/Gyn. These visits will come out of your pocket, but will count towards your deductible. The ultrasounds and lab work will also be paid out of pocket and then count towards deductible as well. Then labor strikes and you are admitted to Utah Valley. The indemnity plan then would kick in and cover the charges incurred while you were there, but at the same time, the costs paid by that plan would also go toward your SelectHealth deductible. Once you reached $6,500 in expenses paid, your SelectHealth plan would kick in and cover the rest of the charges. Sounds pretty easy right? There is more to it than that, so do speak to an expert so they can walk you through what to do.