Medical Benefits

Your employer offers medical insurance to protect the health of you and your family. It covers medical expenses such as visits to the doctor’s office, emergency care, and prescription drugs. It’s important to have a medical plan that meets your needs and the needs of your family.

Keep in mind that your out-of-pocket costs will be lower if you receive care from an in-network doctor and facility. To find an in-network doctor, please visit www.umr.com.

	UHC Choice Plus Network	Out-of-Network
Deductible (Individual/Family)	$1,000 / $2,000	$2,000 / $4,000
Out-of-Pocket Max (Individual/Family)	$3,500 / $7,000	$7,000 / $14,000
Member Coinsurance	0%	50%
Physician Visits
Primary Care Visit	$25 Copay	Deductible + 50%
Routine Preventive	Fully Covered	Deductible + 50%
Specialist Visit	$75 Copay	Deductible + 50%
Hospital Services
Physician Services	Deductible	Deductible + 50%
Inpatient Hospitalization	Deductible	Deductible + 50%
Outpatient Surgery	Deductible	Deductible + 50%
Basic Outpatient Diagnostics	Deductible	Deductible + 50%
Urgent Care	$50 Copay	Deductible + 50%
Emergency Room	$300 Copay, then Deductible	$300 Copay, then Deductible

Retail Prescriptions	UHC Choice Plus Network	Out-of-Network
Tier 1	$10	$10*
Tier 2	$35	$35*
Tier 3	$75	$75*
Tier 4	$250	$250*


*If you use an Out-of-Network pharmacy (inlcuding mail order) you may be responsible for any amount over the allowed amount.


International Mail Order (Brand Medications)	CANARX offers brand name medications at a $0 copay. They work with licensed pharmacies to supply brand-name medications, packaged and sealed by the original manufacturer, from Canada, the United Kingdom, and Australia.