How to Pay Your Select Health Bill and Understand Your Payment Options

What Select Health is and how to send them money

Select Health is a health insurance company that processes claims for medical, dental, and vision coverage in multiple states. If you have a Select Health insurance plan, you may receive bills for copays, deductibles, coinsurance, or services not covered by your plan. Paying Select Health directly is different from paying a hospital or doctor's office — you are paying the insurance company itself, not the provider.

Select Health accepts payments through several methods: online through their member portal, by phone, by mail, or in person at a local office. The fastest way is usually online, where you can pay immediately and see confirmation right away. Phone payments take a few minutes and create a record of the call. Mail and in-person payments take longer but work if you do not have internet access or prefer a paper trail.

Key Takeaways

• Select Health bills are for amounts you owe to the insurance company — copays, deductibles, or out-of-network costs — not to your doctor or hospital.
• You can pay online through your Select Health member account, by phone, by mail, or in person, and each method has different processing times.
• If you cannot pay the full amount, contact Select Health directly to ask about payment plans; they do not automatically offer them but may work with you on timing.
• Late payments to Select Health can result in coverage suspension, so paying on time protects your insurance even if you cannot pay other bills first.
• If you receive a bill you believe is wrong, dispute it in writing before paying; Select Health must investigate claims disputes within a set timeframe.

How to pay Select Health online

Log into your Select Health member portal using your member ID and password. If you do not have a login, you can create one on the Select Health website or call their member services line to set one up. Once logged in, look for a "Pay My Bill" or "Payments" section — the exact name varies by state and plan type.

Enter the amount you want to pay and choose your payment method: debit card, credit card, or bank account (ACH transfer). Debit and credit card payments process immediately but may charge a fee. Bank account payments are usually free but may take one to two business days to clear. After you submit, you will receive a confirmation number — save this in case you need to prove you paid.

Paying Select Health by phone or mail

Call the member services number on your Select Health bill or insurance card. A representative will ask for your member ID, the amount you owe, and your payment method. Phone payments by debit or credit card process the same day. If you pay by bank account over the phone, the representative will guide you through providing your routing and account numbers securely.

To pay by mail, write a check or money order payable to Select Health and include your member ID on the check itself. Mail it to the address shown on your bill — different states and plan types may have different mailing addresses, so always check your bill first. Mail payments typically take 7 to 10 business days to reach Select Health and post to your account, so send payment early if your due date is approaching.

What happens if you cannot pay the full amount right away

Contact Select Health before your payment is due. Explain your situation and ask whether they offer payment plans or can defer part of the bill. Select Health does not automatically set up payment plans the way some hospitals do, but they may negotiate with you, especially if you have a history of paying on time.

If Select Health agrees to a payment plan, get the agreement in writing — either in an email or a letter — that shows the amount, the payment schedule, and the due dates. Make payments on time according to the plan; missing a payment on a plan can result in the full amount becoming due immediately and your coverage being suspended.

How late payments affect your Select Health coverage

Select Health can suspend your coverage if you do not pay what you owe by the due date. This is different from a late fee on a credit card — your insurance stops working, which means you lose coverage for doctor visits, prescriptions, and emergency care. Reinstating coverage after suspension usually requires paying the full amount owed plus any late fees.

If you receive a notice that your coverage will be suspended, contact Select Health immediately. Ask whether you can make a partial payment to keep coverage active while you arrange the rest. Some plans allow this; others do not. The sooner you call, the more options you may have.

Disputing a Select Health bill you think is wrong

If your bill includes a charge you do not recognize or believe is incorrect, do not ignore it or assume it will go away. Write to Select Health with your member ID, the date of service in question, the amount you are disputing, and why you believe it is wrong. Include copies of any documents that support your case — an explanation of benefits (EOB) from Select Health, a receipt from your provider, or a letter from your doctor's office.

Send your dispute letter to the address on your bill marked for billing inquiries or appeals. Select Health must investigate and respond within 30 days in most states, though the exact timeline varies. While your dispute is under review, you may still be expected to pay the undisputed portion of your bill to avoid late fees or coverage suspension.

Understanding your Select Health bill

A Select Health bill shows what you owe and why. It lists the date of service, the provider's name, the amount the provider charged, what Select Health paid, and what you owe. The amount you owe is usually your copay, deductible, or coinsurance — the portion of the cost your plan does not cover.

If you do not understand a line item on your bill, call Select Health member services and ask them to explain it. Bring your bill and your insurance card with you. They can tell you whether the charge is correct, whether it applies to your deductible, and whether it should have been covered under your plan. If the explanation does not make sense, ask for it in writing.

Frequently Asked Questions

Can I set up automatic payments to Select Health?

Some Select Health member portals allow you to set up automatic recurring payments from your bank account. Log into your account and look for an autopay or recurring payment option. If you do not see one, call member services to ask whether it is available for your plan type and state.

What if I paid Select Health but the payment does not show up on my account?

If you paid online or by phone, check your confirmation number and the date it was processed. Online and phone payments usually post within one to two business days. If it has been longer, call member services with your confirmation number and ask them to locate the payment. If you mailed a check, allow 7 to 10 business days before calling.

Does Select Health charge a fee to pay by credit card?

Many insurance companies charge a convenience fee for credit card payments, but the amount and whether it applies varies by state and plan. Check your bill or the payment screen when you log into your member portal — it will show any fee before you confirm the payment. Bank account payments are usually free.

What if Select Health suspended my coverage and I cannot pay the full amount?

Call member services immediately and explain your situation. Ask whether you can make a partial payment to restore coverage while you pay the rest over time. Some plans allow this; others require the full amount. The longer you wait, the harder it becomes to negotiate, so call as soon as you receive a suspension notice.

Can I dispute a bill after I have already paid it?

Yes. If you paid and later realized the charge was wrong, you can still dispute it in writing. Include your member ID, the date of service, the amount you paid, and why you believe it was incorrect. Select Health may refund you if they agree the charge should not have been made.