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Other Help

Not finding what you need in this section for members and insurance shoppers? Check out our other help sections below.

Smart Select™ FAQ

Who is this for?

If you’re shopping for individual health insurance, this information can help you figure out if Smart Select is the right plan for you.

What is Smart Select?
Learn more about Smart Select, a plan for individuals and families under age 65. It’s a medically underwritten HMO.
Who is this plan best for?
Find out whether Smart Select is the right plan for you and your family.
What will this plan cost me each month?
Your premium varies depending on your hometown, deductible level, age and gender. Use the Smart Select rate sheet to figure out how much your monthly premium will be.
What are some of the benefits of this plan?
Learn what services are covered with our Smart Select health care plan.
What’s medical underwriting?
Learn more about how we decide whether you’re eligible for our health care coverage.
How can I get the most out of my Smart Select plan?
Learn about the members-only programs and benefits designed to help you save money and stay healthy.
What’s a pre-existing condition?
Learn more about pre-existing conditions and how they can impact your health care coverage.
What’s my waiting period for pre-existing conditions?
Learn how long you'll have to wait before your Smart Select plan will cover your pre-existing conditions.
What’s my deductible?
The Smart Select plan offers three levels of annual deductibles for individuals and families. Learn more here.
What’s my copay?
The Smart Select plan requires a different copay depending on the type of health care service you receive. Find out more.
What’s my coinsurance?
Find out what you'll pay for coinsurance with our Smart Select plan.
Why are men and women’s premiums different?
On average, women have higher medical claims than men, and their premiums reflect that fact. Learn how we determine our premium rates.
Can I customize my benefits?
Learn why it's important to make the right decision to meet your health care needs when choosing your plan.
How can I find a primary care physician?
Need to find a doctor? We can help you choose a primary care physician that meets your needs.
Do I have to choose a primary care physician close to home?
Learn more about your options for choosing a primary care physician with Smart Select.
How can I apply?
If you’re ready to apply, follow these steps to fill out this Smart Select application.
How do I end my coverage?
If you’ve decided that Smart Select is no longer the right plan for you, you’ll need to send us a letter. Learn more here.