SelectHealth denied your claim in Utah. Here is your deadline.
Put in the date on your SelectHealth, Inc. notice and get both federal deadlines as calendar dates.
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SelectHealth, Inc. denied 1,741,801 of 10,065,963 in-network claims in Utah; every one of those denials had these same two dates on it. Across Utah as a whole the insurers in this file denied 17.3% of in-network claims, 1,967,874 of them, and 2,339 were appealed.
Or let the $29 Appeal Kit date each step and write the claim-file and external-review requests.
SelectHealth, Inc. denied 17.3% of in-network claims in Utah, 1,741,801 claims out of 10,065,963.
Further down this page, after the free steps: the paid next step.
Insurance got denied, what to do next?
Those 1,741,801 denials are 88.5% of every in-network denial recorded in Utah in this release, which makes SelectHealth, Inc. the 1st largest source of denials of the 5 insurers reporting there. Spread across its 21 plans in the state that is about 82,943 denials per plan. 1,431 internal appeals were filed against those 1,741,801 denials. Every one of those denials carried the same two dates the tool at the top of this page works out.
Two dates matter more than anything else on this page, and they run the same in Utah as everywhere else. You have 180 days from the date on your denial notice to file the internal appeal, and then 4 months from the final internal denial to ask for an independent external review. If waiting would seriously jeopardize your health you can ask for both to be expedited, decided in about 72 hours. Both timeframes are federal, not your insurer's choice, 29 CFR 2560.503-1 (PDF) and 45 CFR 147.136 (PDF), in plain English at HealthCare.gov, and your own denial letter states the ones that govern your plan. The PDFs are the same sections on govinfo.gov, which serves them without a challenge page, so an automated reader can check these two dates as easily as you can.
You are not alone, and here is the measured version of that sentence: 1,741,801 in-network claims were denied by SelectHealth, Inc. in Utah in a single plan year. A denial rate is a fact about an insurer's book of business. It is not a judgment about you, and it is not the last word on your claim.
- Of the 5 insurers reporting a denial rate in Utah, SelectHealth, Inc. is the fourth highest at 17.3%. The highest in the state is 28.8% and the lowest is 13.5%.
- That is 1.6 percentage points above the 15.7% national average across this dataset, and 0 points above the Utah average of 17.3%.
- Behind the percentage: 10,065,963 in-network claims were processed under 21 plans in Utah, and 1,741,801 of them came back denied.
- For every 10,000 claims SelectHealth, Inc. denied, about 8 came back as an internal appeal. The other 9,992 stopped at the letter.
- Of the internal appeals it did receive, SelectHealth, Inc. overturned 36.76%, 526 claims that started life as a no.
- 3,028 of those denials went on to independent external review, the stage whose decision the plan is required by law to accept. Nationally 22.2% (1,092 of 4,918; interval 22.2-23.8% for counts CMS withheld; 32.6% without SelectHealth) of external reviews are overturned.
- Its most-recorded denial reason is other reasons at 63.4% of its categorized denials, against 32.4% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
- SelectHealth, Inc. accounts for 88.5% of every in-network claim denied in Utah in this file.
- By raw volume it is the tenth largest source of denials among the 135 insurer-state records in the file that report one.
- Put another way: one independent external review was filed for every 575 claims SelectHealth, Inc. denied in Utah.
- After that, its second-most-recorded reason is administrative reason, 268,038 claims, 12% of its categorized denials.
- Third on its own list is service excluded from the plan, 232,230 claims, 10.4% of what SelectHealth, Inc. categorized in Utah. Between them the top three account for 85.7% of its categorized denials.
- Where SelectHealth, Inc. differs most from the national mix is other reasons: 63.4% of its categorized denials in Utah against 32.4% across the file.
- Read the other way round: 8,324,162 of those 10,065,963 in-network claims were paid, 82.7% of everything SelectHealth, Inc. processed in Utah.
- Spread across the 21 plans it reports in Utah, that is about 82,943 denied claims per plan, on about 479,332 claims processed per plan.
- Its reason columns add up to 2,238,825 categorized rows against 1,741,801 denials, 128.5% of them, and every reason share on this page is a share of that first figure rather than of the second.
- Its smallest recorded category in Utah is experimental or investigational, 9,640 claims, 0.4% of what SelectHealth, Inc. categorized there.
- Against the file as a whole, this one record is 2.1% of the 83,907,852 in-network claim denials reported by every issuer in it.
- Find the reason code on your denial letter. The reason SelectHealth, Inc. records most often in Utah is other reasons, but yours may be one of the other 8, copy the exact wording and code off your own letter tonight, because that sentence is what your appeal has to answer.
- Ask SelectHealth, Inc. in Utah for the clinical criteria they judged you against. Under 29 CFR 2560.503-1 they have to hand you the claim file and the policy they applied, free, on request, and you cannot argue with a checklist you have never read.
- Put both deadlines on your calendar before you go to bed. 180 days from the date on the letter for the internal appeal, 4 months from the final internal denial for external review. The free calculator on this page turns your date into the two calendar dates in about ten seconds. SelectHealth, Inc. overturned 36.76% of the internal appeals it did receive, 526 claims, so the stage you are about to start is not decorative.
None of those three steps costs anything. Anyone charging you to do them is selling you something you can do yourself in twenty minutes.
How that compares
| Denial rate | Rate | Difference |
|---|---|---|
| SelectHealth, Inc. | 17.3% | , |
| Utah average | 17.3% | 0 pts |
| National average (this dataset) | 15.7% | +1.6 pts |
SelectHealth, Inc. denies 1.6 percentage points more of its in-network claims than the national average across this dataset. A denial rate is a property of the insurer's book of business, coding practice, plan design, the population it covers, not evidence about the merits of any one claim, including yours.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to SelectHealth, Inc.) | 1,431 | 36.76% |
| External review (independent) | 3,028 | 15.72% |
The gap nobody escalated
1,741,801 claims denied. 1,431 internal appeals filed. 3,028 reached independent external review. Nationally 22.2% (1,092 of 4,918; interval 22.2-23.8% for counts CMS withheld; 32.6% without SelectHealth) of external reviews are overturned and the decision binds the plan.
That is arithmetic from the reported figures, not a prediction: nobody can say what those specific denials would have done at review, because they never got there. What the numbers do establish is that the binding stage was almost entirely unused here.
What that record means for your own SelectHealth, Inc. letter, and by when. SelectHealth, Inc. overturned 36.76% of the 1,431 internal appeals its Utah members filed against 1,741,801 denials, and 3,028 of those Utah denials went on to the independent stage whose decision binds the plan, SelectHealth, Inc.'s own rows in the plan-year 2027 release of the CMS Transparency in Coverage file, read November 4, 2026 (data.healthcare.gov). Whichever way that lands, nobody files the appeal for you, and the filing runs on a clock set by which plan you hold: an employer or Marketplace plan gives you at least 180 days from the denial notice to file the internal appeal (29 CFR 2560.503-1(h)(3)(i), carried onto individual-market coverage by 45 CFR 147.136(b)(3)(i)), while Medicare Advantage gives you 65 calendar days from the date of its notice (CMS, 42 CFR 422.582(b)) and Medicaid managed care 60 calendar days from the date on the notice (42 CFR 438.402(c)(2)(ii)), both stages free, and the three steps above are the whole of what to do tonight, so take the date printed on your SelectHealth, Inc. notice and file well inside whichever of those windows is yours. The free steps are above; the $29 kit is the same clock with the letters pre-filled for SelectHealth, Inc. in Utah. One payment. No subscription. No cut of your claim.
SelectHealth, Inc. inside Utah
Your denial did not happen in a national average. It happened in a state market, alongside 4 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of Utah, the 5 insurers reporting in this file processed 11,373,974 in-network claims and denied 1,967,874 of them, a state denial rate of 17.3%. SelectHealth, Inc. is one of those 5.
- That puts Utah 12th of 29 states by denial rate, 1.6 points above the 15.7% national average, before you get to what SelectHealth, Inc. did inside it.
- Utah recorded 2,339 internal appeals against those denials: one appeal for every 841 claims the state's insurers refused. SelectHealth, Inc.'s own ratio is one for every 1,217.
- Independent external review was reached 3,028 times in the whole of Utah, once for every 650 denials, against one in 17,061 nationally. 3,028 of those Utah filings came from SelectHealth, Inc.'s denials.
- Of the Utah external reviews that were filed, 476 were overturned, 15.7%. That percentage is measured on 3,028 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against SelectHealth, Inc..
- The reason Utah's insurers record most often is other reasons, 1,520,994 claims, 60.3% of the state's categorized denials. SelectHealth, Inc. records the same one most often, so your letter is likely to say it too.
- The other insurers a Utah reader could have bought from run from 28.8% (Imperial Health Plan of the Southwest, Inc.) to 13.5% (Regence BlueCross BlueShield of Utah). SelectHealth, Inc. at 17.3% sits between the two.
- Put the two together and SelectHealth, Inc. is responsible for 88.5% of every in-network claim denied in Utah in this release, from 88.5% of the claims the state's insurers processed.
- Every Utah figure in this section is that state's own row in the same federal file SelectHealth, Inc.'s numbers above come from, CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain, and the full Utah page is free at /states/utah.
What SelectHealth, Inc. denies most
The most common denial reason recorded for SelectHealth, Inc. plans in Utah is other reasons. How that denial is beaten →
| Denial reason | Claims | Share | National share |
|---|---|---|---|
| Other reasons | 1,418,551 | 63.4% | 32.4% |
| Administrative reason | 268,038 | 12% | 17.2% |
| Service excluded from the plan | 232,230 | 10.4% | 13.4% |
| Member not covered | 112,936 | 5% | 7.9% |
| Provider out of network | 109,809 | 4.9% | 9% |
| Referral required | 48,528 | 2.2% | 9.6% |
| Benefit limit reached | 26,643 | 1.2% | 4.9% |
| Not medically necessary | 12,450 | 0.6% | 5.5% |
| Experimental or investigational | 9,640 | 0.4% | 0.1% |
The last column is each reason's share of all categorized denials nationally, so you can see where SelectHealth, Inc.'s mix in Utah differs from everyone else's. This is denial mix, not overturn rate by reason, the federal file does not report appeal outcomes broken down by denial reason, and we do not imply otherwise.
Put the date from your notice in and get the two calendar dates, with the days remaining.
Runs entirely in your browser, the date you type is never sent to us and never stored. Open the full calculator →
Or let the $29 Appeal Kit date each step and write the claim-file and external-review requests.
The three steps at the top of this page are the whole of what you have to do tonight. The longer version, what the internal appeal has to contain, how the independent stage works, and how to ask for expedited handling when waiting would seriously jeopardize your health, is published free here. For what it is worth on this page specifically: SelectHealth, Inc. overturned 36.76% of the internal appeals it received.
Questions
Is SelectHealth, Inc.'s denial rate in Utah high?
17.3% against a national average of 15.7% across the plans in this dataset. It is above average. A denial rate describes the insurer, not the merits of your claim.
How many people appealed a SelectHealth, Inc. denial in Utah, and how many won?
1,431 internal appeals were filed against 1,741,801 denials, and 36.76% of them were overturned (526 claims). 3,028 went on to independent external review.
How does SelectHealth, Inc. compare with other insurers in Utah?
Of the 5 insurers in Utah with a reported denial rate, SelectHealth, Inc. ranks 4 highest at 17.3%. The highest in Utah is Imperial Health Plan of the Southwest, Inc. at 28.8%; the lowest is Regence BlueCross BlueShield of Utah at 13.5%.
What does SelectHealth, Inc. deny most often in Utah?
Other reasons, 1,418,551 claims, 63.4% of this issuer's categorized denials, against 32.4% nationally. This is the denial-reason mix; the federal file does not report overturn rates by reason.
How long do I have to appeal a SelectHealth, Inc. denial in Utah?
Generally 180 days from the date on the denial notice to file the internal appeal, then generally four months from the final internal denial to request independent external review. Expedited review, decided in about 72 hours, is available where delay would seriously jeopardize your health. Those timeframes are federal, so they are identical for every insurer reporting in Utah, SelectHealth, Inc. included, what varies by state is who runs the independent review at the end. Your own denial letter states the deadlines that govern your plan; that letter is the authority.
Does appealing a SelectHealth, Inc. denial in Utah cost anything?
The internal appeal to SelectHealth, Inc. is free. External review is free under the HHS-administered federal process; where an issuer uses a contracted independent review organization or a state process, any fee is capped at $25 per review. Nobody in Utah can be charged more than that to file one.
Can SelectHealth, Inc. ignore an external review decision in Utah?
No, and that is the whole point of the stage. External review decisions are binding on the plan by law, which is what makes the 3,028 external reviews recorded against 1,741,801 SelectHealth, Inc. denials in Utah the striking number on this page.
SelectHealth, Inc. sits at 17.3% in Utah against 15.7% nationally, and that is the whole of what this page can honestly tell you about your own claim. We are not going to tell you that you will win. This page prints the insurer's own reported numbers whichever way they fall. If what it says does not match the letter in your hand, write to us and we will correct the page.
Axion Labs · hello@getaxionlabs.comEverything you need for your SelectHealth, Inc. appeal in Utah: your two deadlines, the argument that fits your denial reason, the letters, a brief for your doctor on what the reviewer checks, and the external review request. One payment. No subscription. No cut of your claim. Opens on screen the moment you pay. 14-day refund, no questions, one email to hello@getaxionlabs.com.
The SelectHealth, Inc. figures on this page, the 17.3% denial rate, the 1,741,801 denials and the 3,028 external reviews, are this issuer’s own reported rows in that file.
Counts: CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain. Rights and timeframes: 29 CFR 2560.503-1 (180 days, and your free right to the claim file) and 45 CFR 147.136 (4 months, and what qualifies), explained at HealthCare.gov. Expedited review is decided in about 72 hours under both sections.
Reading either regulation from a script rather than a browser: eCFR answers automated fetches with a challenge page, so the same two sections are mirrored as government PDFs at govinfo.gov (29 CFR 2560.503-1) and govinfo.gov (45 CFR 147.136).