What Select Health Bill Pay does
Select Health Bill Pay is a payment portal that lets you pay your Select Health insurance premium online instead of mailing a check or paying by phone. You log in with your account credentials, enter the amount you want to pay, choose a payment method (debit card, credit card, or bank account), and the payment processes immediately or on a date you choose.
The service itself has no fee — Select Health does not charge you extra to use the portal. However, if you pay with a credit card, Select Health passes through a processing fee that varies depending on which card network your card uses. Debit card and bank account payments typically have no additional cost beyond what you already owe.
The portal is available 24 hours a day, and you can set up one-time payments or recurring automatic payments if you want the same amount deducted on the same day each month. Payments made before 11:59 p.m. Mountain Time usually post the same business day.
Key Takeaways
- Select Health Bill Pay charges no fee for using the portal, but credit card payments include a processing fee that Select Health adds to your bill.
- You can pay with a debit card, credit card, or bank account transfer, and payments made before midnight Mountain Time typically post the same business day.
- Setting up automatic recurring payments means your premium comes out on the same date each month without you having to log in again.
- If you miss a payment, Select Health will send you a notice, and your coverage may be cancelled if the premium remains unpaid past the grace period.
How to access Select Health Bill Pay
Go to the Select Health website and log in with your member ID and password. If you do not have an online account yet, you will need to create one using your member ID, date of birth, and email address. Select Health will send you a temporary password to that email, which you use to set your own password on your first login.
Once logged in, look for a "Pay My Bill" or "Make a Payment" link, usually in the account dashboard or under a "Billing" section. Click it, and the portal will show your current balance, due date, and minimum payment amount. You then enter the payment amount, select your payment method, and confirm.
If you cannot find the portal or do not remember your password, you can call Select Health's customer service line (the number is on your insurance card) and ask them to walk you through the process or help you reset your login.
Credit card fees and why they exist
When you pay with a credit card through Select Health Bill Pay, the card network (Visa, Mastercard, American Express, or Discover) charges a processing fee. Select Health is required to pass that fee to you rather than absorb it themselves. The fee is usually between 1.5% and 3% of your payment amount, depending on the card type and the network's current rates.
This means if your monthly premium is $500 and you pay with a credit card, you might pay an additional $7.50 to $15 on top of the $500. That extra amount is added to your bill or charged separately, depending on how Select Health's system processes it.
Debit cards and bank account transfers do not trigger these fees because they move money directly from your account rather than through a credit card network. If you want to avoid the fee entirely, use one of those payment methods instead.
Setting up automatic payments
Select Health Bill Pay lets you schedule recurring payments so your premium is paid automatically on the same day each month. During the payment setup, look for an option to "Make this a recurring payment" or "Set up autopay." You then choose the day of the month you want the payment to come out and confirm.
Automatic payments are useful if you want to avoid late fees and coverage cancellation, since the payment happens whether you remember to log in or not. However, you are responsible for making sure you have enough money in your account on that date. If the payment fails because of insufficient funds, Select Health will typically retry it a few days later, but if it fails again, your coverage may be at risk.
You can change or cancel an automatic payment anytime by logging back into the portal and editing your recurring payment settings. If you cancel, make sure you have a plan to pay manually, or your premium will fall behind.
What happens if you miss a payment
If your premium payment is late, Select Health will send you a notice (usually by mail or email) with a new due date and instructions to pay. Most health insurance plans include a grace period — typically 30 days after the due date — during which your coverage stays active even though you have not paid yet.
If you pay during the grace period, your coverage continues without interruption. However, if the payment is not made by the end of the grace period, Select Health can cancel your coverage retroactively, meaning you lose coverage as of the original due date. Any claims you filed after that date may be denied because you were technically uninsured.
If you know you will be late, contact Select Health before the due date and ask about a payment plan or extension. Some plans offer short-term arrangements, though this depends on your specific policy and Select Health's policies at the time.
Comparing Bill Pay to other payment methods
You have several ways to pay your Select Health premium: online through Bill Pay, by phone, by mail, or through automatic bank draft. Each has different timing and cost implications.
Mailing a check takes 5 to 10 business days to arrive and post, so you need to send it well before the due date. Phone payments are immediate but require you to call during business hours and speak to a representative. Automatic bank draft (also called electronic funds transfer or EFT) is free and happens on a date you choose, but it requires you to set it up once and then trust the system to work.
Bill Pay online is fastest for one-time payments and gives you a record of the transaction immediately. The credit card fee is the main downside. If you pay regularly and want to avoid fees, setting up automatic bank draft is usually the cheapest option.
Troubleshooting common Bill Pay problems
If your payment fails or does not post, first check that you entered the correct payment amount and that your card or account has sufficient funds. If the portal shows an error message, write down the exact message and call Select Health customer service — they can look up the transaction and tell you whether the problem is on their end or yours.
If you paid but your account still shows a balance due, wait one business day for the payment to post. Online payments usually appear within 24 hours, but bank processing can take longer. If it has been more than two business days and the payment still does not show, contact Select Health with your confirmation number (the portal should have given you one after you completed the payment).
If you cannot log into your account, use the "Forgot Password" link on the login page to reset it. If that does not work, call customer service and ask them to verify your identity and send you a password reset link. Do not wait to resolve login problems if your payment is due soon — call instead of trying to fix it online.
Frequently Asked Questions
Does Select Health charge a fee to use Bill Pay?
No, the portal itself is free. However, if you pay with a credit card, Select Health passes through a processing fee (usually 1.5% to 3% of your payment) that the card network charges. Debit card and bank account payments have no additional fee.
Can I set up automatic payments and then cancel them later?
Yes. Log into Bill Pay anytime and edit or delete your recurring payment in the settings. If you cancel, you will need to pay manually going forward, so make sure you have another way to pay before you cancel.
What if my payment fails because my card was declined?
Select Health will usually retry the payment a few days later. If it fails again, your coverage may be cancelled if the premium remains unpaid past the grace period. Contact Select Health immediately to update your payment method or arrange a payment plan.
How long does it take for a payment to show up in my account?
Payments made before 11:59 p.m. Mountain Time usually post the same business day. Bank processing can add one to two additional days depending on your bank and the payment method.
Can I pay someone else's Select Health premium through Bill Pay?
No, you can only pay the premium for the account you are logged into. If you want to pay for a family member's coverage, they need to log into their own account or authorize you as an account representative, which requires a separate process through Select Health customer service.