UMP High Deductible

UMP High Deductible

UMP High Deductible covers all the same services as UMP Achieve 2, but has a lower monthly premium and a higher deductible. UMP High Deductible 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.

Your out-of-pocket limit depends on the number of persons enrolled in the plan:
  • One member enrolled: $4,200
  • Two or more members enrolled: $8,400.

  • 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 Achieve 1, UMP Achieve 2, and UMP Plus
    Includes HSA: The State of Washington contributes $375/individual, $750/family annually
    Lower coinsurance than UMP Achieve 1
    Provides a mail-order pharmacy option
    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 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 2022 premiums to your out-of-pocket expenses, learn all about your cost for care.
    Know your costs
    Learn more about the medical 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 2022 UMP CDHP Certificate of Coverage.
    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. Use the Pharmacy Locator to see which pharmacies will be in UMP’s network. Note: Pharmacies listed in the Pharmacy Locator are subject to change.
    Know your costs
    Learn more about the prescription drug costs specific to your UMP plan.
    Drug price check
    Use the Drug Price Check Tool to find out how much your prescription drugs might cost. The prices shown are estimates and assume you have met your combined medical and prescription drug deductible. Note: Prescription drug prices listed in the Drug Price Check Tool are subject to change.
    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
    Log in to your pharmacy account to view your prescription claims history.

    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.
    Washington State Prescription Services does not provide BlueCross BlueShield services and is a separate companies solely responsible for its products/services.