Individual services we offer
In addition to providing employee benefits for mid-sized business, Spectra Management also provides several services for individuals. We can help you with an individual or family health insurance, life insurance, financial planning and other areas related to individual investments or insurance. We represent but work independent from the carriers or vendors so you will receive clear and unbiased advice with the best value possible.
Individual and family Health Insurance
Individual Plans are designed for individuals and families without employer-sponsored coverage or by those who are looking for a better coverage solution. They offer flexibility and the right type of coverage for you and your family members. Spectra Management’s advisors can help you review your unique health insurance needs based on your personal goals and budget. There are several plan designs and products available. Our staff has the experience and expertise necessary to help you decide which plan design and product best fit your needs.
Life Insurance
An important part of any financial or family plan, life insurance provides a valuable benefit to surviving beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned, help pay off debts or providing daily living expenses. There are many types of policies with a wide variety of needs ranging from providing income for family needs in the event of accidental death or to simply purchase insurance to meet a specific business or estate purpose. Let our team of specialists assist you to determine the best policy to accomplish your needs.
Utah Health Insurance
As a resident of Utah, you have plenty of Utah health insurance options to choose from. There are multiple insurance companies in Utah that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Utah. See some of the state’s top health insurance companies and read about the important Utah health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Utah health insurance programs.
If you would like to get free quotes and compare Utah health insurance plans now, start with our simple form below.
Utah Health Insurance
Laws and Regulations
Utah health insurance laws provide certain protections for you as you shop for health insurance. For example, Utah health insurance companies are required to offer standardized health plans that cover a certain set of medical services.
Once you are accepted into a Utah health insurance plan, an insurer is not allowed to cancel your coverage if you get sick or are injured - as long as you pay your premiums.
But Utah health insurance companies will look at pre-existing health conditions and health status before they accept applicants into coverage and set premiums.
If a resident is turned down for coverage because of his or her health status, that person can purchase coverage through Utah's high-risk health insurance pool, HIPUtah. This pool offers four kinds of plans with different deductible levels. Learn more about HIPUtah here.
Utah Public Health
Insurance Programs
There are a few public Utah health insurance programs to assist low-income residents in getting coverage. Here are some of the state's main programs:
- Medicaid
The Utah Medicaid program offers health coverage to certain low-income residents, along with disabled citizens. To learn more about the state's Medicaid program, visit them online.
- Utah's Children's Health Insurance Program (CHIP)
Uninsured children who do not qualify for Medicaid, but cannot afford private health insurance, can receive coverage through this program. To learn more about this children's Utah health insurance program, visit http://www.utahchip.org/.
- Utah Primary Care Network
This program offers low-income residents who do not qualify for Medicaid with affordable primary health care. Learn more about the Primary Care Network online.
- Utah's Premium Partnership
For Health Insurance
Through this Utah program, families who have group health insurance with an employer can receive financial assistance with the monthly premiums if they meet eligibility requirements. Find out more about this family Utah health insurance program at http://health.utah.gov/upp/.
Utah Insurance Department and Department of Health
Find the contact information for the Utah health insurance and health departments at:
Utah Insurance Department
State Office Building Room 3110
Salt Lake City, UT 84114-6901
Phone: (801) 538-3800
http://www.insurance.utah.gov/
Utah Department of Health
Martha Hughes Cannon Health Building, 2nd Floor
288 North 1460 West
Salt Lake City, UT 84116-2001
(801) 538-6901
http://health.utah.gov/
