Utah Short-Term Limited Duration Plans

Ideal for life transitions, these plans help keep you covered until your new, more permanent plan is ready.

What are Short-Term Limited Duration plans?

Transition plans are temporary health insurance options that help bridge the gap between two phases of coverage. They’re often used when someone is moving from one type of health insurance to another, like from a student plan to employer-based coverage, or between two jobs.
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Who Short-Term Limited Duration plans are good for:

Employees

Employees in a waiting period for group coverage.

Individuals

Individuals who missed the open enrollment window.

Unemployed

People who have been laid off or are in-between jobs.

Recent Graduates

Recent graduates in-between jobs.

New Business Owners

Recently opened businesses not yet eligible for insurance.

Children

Children who are no longer eligible under a parent’s plan.

Seasonal Employees

Seasonal or contract employees.
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What providers can you see in Utah?

Select Health Care® includes all Intermountain Health® hospitals, facilities, and physicians, in addition to thousands of contracted providers. This network also covers specialty care facilities like Primary Children’s Hospital and Huntsman Cancer Institute.

For covered services, Select Health Care providers and facilities accept the allowed charges (including payments for which you are responsible) negotiated by Select Health as payment in full and should not bill you for the difference. If you use in-network providers for covered services, they shouldn’t bill you for additional charges beyond payment amounts allowed by the plan. That’s why we strongly encourage you to use in-network providers. 

Visit selecthealth.org/find-care-UT to view a complete list of in-network providers and facilities or call Member Advocates at 800-515-2220.

Short-Term Limited Duration Plan Options

Choose your Medical Deductible and your Coinsurance amount.
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Medical Deductible Options
Coinsurance / Maximum Coinsurance
Coinurance / Maximum Coinsurance
$500 / $1,500
20% coinsurance, $1,000 maximum coinsurance per person
OR
50% coinsurance, $2,500 maximum coinsurance per person
$1,000 / $2,500
20% coinsurance, $1,000 maximum coinsurance per person
OR
50% coinsurance, $2,500 maximum coinsurance per person
$2,500 / $5,000
20% coinsurance, $1,000 maximum coinsurance per person
OR
50% coinsurance, $2,500 maximum coinsurance per person

Frequently Asked Questions

Short-term Limited Duration Plans are specifically tailored to help cover accidents and illnesses for a short period of time.

The minimum term for a Short-Term Limited Duration plan is 30 days and the maximum is 90 days.

After 90 days with Select Health, you will need to switch to another carrier. You will not be able to reinsure with a Select Health Short-Term Limited Duration plan for 12 months from the effective day of the initial 90-day policy. However, you may have the opportunity to explore other coverage options, such as an Individual plan if you qualify for a Special Enrollment Period or during the standard Open Enrollment period.

Short-Term Limited Duration plans do not cover prescription drugs, preventive care, mental health, maternity, or pre-existing conditions. Contact Member Services for a full list of plan exclusions.

You can see any participating provider for covered services and receive the same benefits. If you use in-network providers for covered services, they shouldn’t bill you for additional charges beyond payment amounts allowed by the plan.

Need Help?

We're here to help you find the right plan for your situation. We'll get back to you as soon as possible.

Request Plan Information

If you need help or want to request additional information, please fill out a form here.
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Call us

If you need help choosing a plan or want to more information, call our Individual Sales team today.
855-422-0220

Plan Resources

Here you'll find resources to some of the most common questions about our services.
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Short-Term Limited Duration Plan Notice

The Utah Insurance Department recently released a notice for all those considering an STLD plan.
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