SelectHealth Value Benchmark Expanded Bronze Select Copay Plan: One of Our Favorite Bronze Plans for Utah Families
- 4 hours ago
- 5 min read
Shopping for health insurance can feel overwhelming, especially when you're trying to balance monthly premiums with the costs you'll pay when you actually need care. That's why one of the plans we frequently recommend to Utah families is the SelectHealth Value Benchmark Expanded Bronze Select Copay Plan.
While many Bronze plans come with large deductibles that must be met before the plan helps pay for services, this plan takes a different approach. It includes fixed copays for many common healthcare services and no medical deductible for most covered care, making it much easier for families to understand what they will owe when they need medical treatment.
At Utah Avenue Insurance, we've helped many families enroll in this plan over the years, and it continues to be one of our favorite options for people who want affordable monthly premiums without giving up predictable benefits.
Why We Like Fixed Copays
One of the biggest frustrations people have with health insurance is not knowing what a doctor visit, urgent care visit, or medical procedure will cost until after the bill arrives.
The SelectHealth Value Benchmark Expanded Bronze Select Copay Plan helps solve that problem with fixed copays for many services, including:
Primary care visits
Specialist visits
Urgent care
Diagnostic testing
Physical therapy
Same day surgeries
MRIs and CT scans
Generic prescription medications
Instead of paying a large deductible before coverage begins, many services are covered immediately with a set copay amount. This can make budgeting for healthcare much easier, especially for families with children or individuals who need regular medical care.
One of the Best Marketplace Plans for Pregnancy and Labor & Delivery
One reason we frequently recommend this plan to growing families is its maternity coverage.
Many Marketplace plans require members to satisfy a large deductible before the insurance company begins helping with labor and delivery expenses. This plan works differently.
Because there is no medical deductible for maternity hospital services, labor and delivery are covered at 50% coinsurance from day one. That means:
SelectHealth pays 50% of the covered hospital charges.
You pay the remaining 50%.
No large deductible has to be met first.
For many families, this can result in substantial savings compared to plans that require several thousand dollars in deductible expenses before benefits begin.
If you're expecting a baby or planning to grow your family, this is one of the reasons we often put this plan on the shortlist during our consultations.
Excellent Coverage for Same-Day Surgery
Another area where this plan really shines is outpatient or same-day surgery.
Many surgeries today don't require an overnight hospital stay. Procedures such as orthopedic repairs, gallbladder surgery, ENT procedures, and many other operations are often performed in outpatient surgical centers.
With this plan, the facility charge is covered with a fixed $1,500 copay rather than requiring members to first meet a large deductible.
In addition, physician charges are covered with a $250 specialist copay. In many surgeries, you'll typically see two physician bills:
The surgeon
The anesthesiologist
In many cases, families can estimate their costs much more accurately because they know the facility copay and physician copays ahead of time.
That level of predictability is something we wish more health plans offered.
$0 Virtual Mental Health Visits
One of our favorite SelectHealth benefits isn't related to hospitals or surgeries at all.
All SelectHealth Marketplace plans include virtual mental health visits with a $0 copay.
We have seen this benefit make a tremendous difference for many of our clients.
A common approach we see is:
Clients start with a few in-person therapy appointments.
They build a relationship with their therapist.
Once they're comfortable, they transition to virtual visits.
From that point forward, many members can access therapy from the comfort of home with a $0 copay.
For busy parents, students, professionals, and anyone trying to fit appointments into an already packed schedule, this benefit removes many of the barriers that prevent people from getting the help they need.
It's one of the biggest advantages SelectHealth offers and one of the reasons many of our clients choose SelectHealth over other Marketplace carriers.
HSA Qualified for Additional Tax Savings
Another feature we love about the SelectHealth Value Benchmark Expanded Bronze Select Copay Plan is that it is HSA qualified, which means you can open and contribute to a Health Savings Account (HSA). An HSA allows you to set aside money tax-free to pay for qualified medical expenses, including deductibles, copays, coinsurance, prescriptions, dental care, vision expenses, and much more.
For many families, an HSA can create a triple tax advantage:
Contributions are generally tax deductible.
The money grows tax-free.
Withdrawals for qualified medical expenses are tax-free.
Even though this plan includes many fixed copays and no medical deductible for most services, having an HSA gives you another tool to prepare for unexpected medical expenses such as hospitalizations, surgeries, or other major healthcare needs. Many of our clients appreciate being able to lower their taxable income while building a healthcare savings account they can use now or save for future medical expenses.
For self-employed individuals and families looking for additional tax advantages, the HSA eligibility on this plan can be a valuable benefit that is often overlooked when comparing health insurance options.
Additional SelectHealth Perks
Beyond the medical benefits, SelectHealth includes several value-added programs that members appreciate:
Wellness rewards programs
Prescription savings tools
Access to Amazon Pharmacy
Access to Mark Cuban Cost Plus Drugs
Preventive care covered at no additional cost
Convenient member portal and mobile app
Extensive Utah provider network
These extras can create meaningful savings throughout the year while helping members stay healthier.
Is This Plan Right for You?
The SelectHealth Value Benchmark Expanded Bronze Select Copay Plan is often a great fit for:
Young families
Individuals planning for pregnancy
People who want predictable copays
Members who use mental health services
Self-employed individuals looking for HSA tax advantages
Anyone looking for affordable monthly premiums with solid coverage
As always, the right plan depends on your doctors, prescriptions, expected medical needs, and budget. That's why working with a local health insurance agent can be so valuable.
Most Utah Families Qualify for Financial Help
One of the best parts about Marketplace health insurance is that many families qualify for subsidies (government financial assistance) that reduce the monthly premium.
Depending on your household size and income, those subsidies can significantly lower the cost of coverage and make plans like the SelectHealth Value Benchmark Expanded Bronze Select Copay Plan surprisingly affordable.
Many people are surprised to learn how much assistance they qualify for, and some families can reduce their monthly premiums by hundreds of dollars each month.
If you're wondering whether this plan is a good fit for your family, the agents at Utah Avenue Insurance can help you compare options, check your subsidy eligibility, and find coverage that works for your budget.
Better coverage starts here. 💙
Get a quote on this plan today!
