UMP CDHP

This page contains plan information for 2021. For 2022 plan information visit the 2022 UMP CDHP web page.

UMP CDHP

UMP Consumer-Directed Health Plan (CDHP) covers all the same services as UMP Classic, but has a lower monthly premium and a higher deductible. UMP CDHP automatically enrolls members in a health savings account (HSA), which allows you to set aside pre-tax money to pay for qualified medical and prescription drug expenses. Once the money is in your account, it’s yours, and there is no deadline to use it.

Note: Once a member meets $7,000 in covered out-of-pocket expenses annually, the plan will pay for covered services at 100% for that member.
Plan features
Uses largest provider network
No referral needed for specialists
You pay $0 for covered preventive care services when you see a network provider
Lower monthly premium and higher deductible than UMP Classic, UMP Select, and UMP Plus
Includes HSA: The State of Washington contributes $700.08/individual, $1,400.04/family annually
Lower coinsurance than UMP Select
Annual medical and prescription drug (combined) deductible:
Individual
$1,400
Family
$2,800
Annual out-of-pocket limit:
Individual
$4,200
Family
$8,400

Medical benefits

Certificate of coverage
Find everything you need to know about this plan’s medical, vision, and prescription drug coverage.
Summary of Benefits and Coverage
See the Summary of Benefits and Coverage for an overview of this plan’s coverage and costs.
Understanding your coverage
From your UMP 2021 premiums to your out-of-pocket expenses, learn all about your cost for care.
Know your costs
Learn more about the medical, vision, and prescription drug costs specific to your UMP plan.
Preventive care
It might be hard to remember to go to the doctor when you’re not sick, but getting an annual check-up and other preventive care is one of the easiest ways to protect your health.
Health savings account (HSA)
With a high deductible health plan, you can put pre-tax money into an HSA and use these funds to pay for qualified medical, vision, and prescription drug expenses. To learn more, read the HSA section in the 2021 UMP CDHP Certificate of Coverage.
Vision
Find out more about Vision Service Plan (VSP) coverage and costs, including access to VSP Choice network providers.
Advice24 nurse line
You pay $0 for registered nurses to assess symptoms and help you decide what kind of care you need. Call Advice24 nurse line 24/7 at 1 (800) 267-6729 (TRS: 711).

Prescription drugs

Certificate of coverage
Find everything you need to know about this plan’s prescription drug coverage.
Summary of Benefits and Coverage
See the Summary of Benefits and Coverage for an overview of this plan’s coverage and costs.
Pharmacy locator
Save money when you use a network pharmacy.
Know your costs
Learn more about the prescription drug costs specific to your UMP plan.
Drug price check
Find out how much your drug costs. The prices shown for drugs assume you have NOT met your combined (medical and prescription) deductible.
UMP Preferred Drug List
Use this tool to check if your drug is covered.
Prescription drug coverage
Find out more about UMP prescription drug coverage and costs, including access to network pharmacies.
Specialty drugs
Specialty drugs may include a variety of medications from injectables to oncology therapies. Specialty drugs must be purchased through Ardon Health, unless you receive an authorization from Washington State Rx Services. For more information on specialty drugs, contact Ardon Health.
Your pharmacy account
To view your prescription claims history, log into your pharmacy account.

Providers

Find a network provider
Some providers are network providers in one location but not another. Confirm a provider’s network status before your visit to avoid paying more.
More about providers
Learn why you should choose a preferred provider, whether you need a primary care provider, and more.