What comes out of my pay?How much will I pay out of my own pocket?What is MarketStar contributing?What will I pay after I meet my deductible?Will my doctor be in-network?
The Traditional and HDHP plans utilize the UnitedHealthcare Choice Plus Network
You’ve built a trusting relationship and you want to keep it. But, did you know that you can also save money by using an in-network provider? That’s why you will be able to choose a provider network that is right for you and your family’s health and wellbeing.
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Medical Plans
UMR - Traditional PPO Plan
With the Traditional PPO Plan you will have access to the UnitedHealthcare Choice Plus Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with UMR to see if your provider is in the UnitedHealthcare Choice Plus Network so that you can take advantage of greater discounts on care for you and your family.
With the Traditional PPO Plan you will have access to the UnitedHealthcare Choice Plus Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with UMR to see if your provider is in the UnitedHealthcare Choice Plus Network so that you can take advantage of greater discounts on care for you and your family.
UMR - TRADITIONAL PPO PLAN
UHC CHOICE PLUS NETWORK
UHC CHOICE PLUS NETWORK
In-Network
Out-of-Network*
Annual Deductible
Embedded
April 1 — March 31
Embedded
April 1 — March 31
You pay up to
$1,000 per individual
$1,000 per member / $2,000 per family
$1,000 per individual
$1,000 per member / $2,000 per family
You pay up to
$2,000 per individual
$2,000 per member / $4,000 per family
$2,000 per individual
$2,000 per member / $4,000 per family
Coinsurance
You pay 20% AD
You pay 40% AD
Out-of-pocket Maximum
Embedded
April 1 — March 31
Embedded
April 1 — March 31
No more than
$3,500 per individual
$3,500 per member / $7,000 per family
$3,500 per individual
$3,500 per member / $7,000 per family
No more than
$7,000 per individual
$7,000 per member / $14,000 per family
$7,000 per individual
$7,000 per member / $14,000 per family
Preventive Services
You pay
$0 according to government guidelines
$0 according to government guidelines
Not
Covered
Covered
Office Visits
Primary Care
Specialist
Primary Care
Specialist
You pay
$30 copay
$45 copay
$30 copay
$45 copay
You pay
40% AD
40% AD
40% AD
40% AD
Mental Health Services
Office Visit
Inpatient
Office Visit
Inpatient
You pay
$30 copay
20% AD
$30 copay
20% AD
You pay
40% AD
40% AD
40% AD
40% AD
Emergency Services
Urgent Care
Emergency Room
Ambulance
Urgent Care
Emergency Room
Ambulance
You pay
$30 copay
$250 copay
20% AD
$30 copay
$250 copay
20% AD
You pay
40% AD
Covered as In-Network
Covered as In-Network
40% AD
Covered as In-Network
Covered as In-Network
Inpatient & Outpatient
Inpatient Hospital
Outpatient Surgery
Inpatient Hospital
Outpatient Surgery
You pay
20% AD
20% AD
20% AD
20% AD
You pay
40% AD
40% AD
40% AD
40% AD
Prescription Medication
Retail (31-day supply)
Retail (31-day supply)
Generic Brand / Preferred Brand / Non-preferred Brand / Specialty
You pay $10 / $35 / $75 / $200
You pay $10 / $35 / $75 / $200
Health Care Account
Flexible Spending Account (FSA)
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022-2023 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022-2023 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
EMPLOYEE COST PER PAY PERIOD
Employee
Only
Only
Employee +
Spouse
Spouse
Employee +
Child
Child
Employee +
Children
Children
Employee +
Family
Family
$50.50
$155.91
$105.26
$120.30
$250.23
UMR - High Deductible Health Plan
With the High Deductible Health Plan (HDHP) you will have access to the UnitedHealthcare Choice Plus Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with UMR to see if your provider is in the UnitedHealthcare Choice Plus Network so that you can take advantage of greater discounts on care for you and your family.
With the High Deductible Health Plan (HDHP) you will have access to the UnitedHealthcare Choice Plus Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with UMR to see if your provider is in the UnitedHealthcare Choice Plus Network so that you can take advantage of greater discounts on care for you and your family.
UMR - HIGH DEDUCTIBLE HEALTH PLAN (HDHP)
UHC CHOICE PLUS NETWORK
UHC CHOICE PLUS NETWORK
In-Network
Out-of-Network*
Annual Deductible
Embedded
April 1 — March 31
Embedded
April 1 — March 31
You pay up to
$2,800 per individual
$2,800 per member / $5,000 per family
$2,800 per individual
$2,800 per member / $5,000 per family
You pay up to
$5,000 per individual
$5,000 per member / $10,000 per family
$5,000 per individual
$5,000 per member / $10,000 per family
Coinsurance
You pay 20% AD
You pay 50% AD
Out-of-pocket Maximum
Embedded
April 1 — March 31
Embedded
April 1 — March 31
No more than
$4,000 per individual
$4,000 per member / $8,000 per family
$4,000 per individual
$4,000 per member / $8,000 per family
No more than
$8,000 per individual
$8,000 per member / $16,000 per family
$8,000 per individual
$8,000 per member / $16,000 per family
Preventive Services
You pay
$0 according to government guidelines
$0 according to government guidelines
Not
Covered
Covered
Office Visits
Primary Care
Specialist
Primary Care
Specialist
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Mental Health Services
Office Visit
Inpatient
Office Visit
Inpatient
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Emergency Services
Urgent Care
Emergency Room
Ambulance
Urgent Care
Emergency Room
Ambulance
You pay
20% AD
20% AD
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
Covered as In-Network
Covered as In-Network
50% AD
Covered as In-Network
Covered as In-Network
Inpatient & Outpatient
Inpatient Hospital
Outpatient Surgery
Inpatient Hospital
Outpatient Surgery
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Prescription Medication
Retail (31-day supply)
Retail (31-day supply)
Generic Brand / Preferred Brand / Non-preferred Brand / Specialty
You pay $10 AD / $35 AD / $75 AD / $200 AD
You pay $10 AD / $35 AD / $75 AD / $200 AD
Health Care Account
Health Savings Account (HSA)
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022-2023 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
This information is designed to help you choose a benefit plan for 2022-2023 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
EMPLOYEE COST PER PAY PERIOD
Employee
Only
Only
Employee +
Spouse
Spouse
Employee +
Child
Child
Employee +
Children
Children
Employee +
Family
Family
$32.00
$131.74
$70.94
$81.08
$176.13
