UMP High Deductible

For 2024 UMP High Deductible information visit the 2024 UMP High Deductible webpage.

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
    Doesn't require a referral 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 two mail-order pharmacy options
    Annual medical and prescription drug (combined) deductible:
    Individual
    $1,650
    Family
    $3,300
    Annual out-of-pocket limit:
    Individual
    $4,200
    Family
    $8,400
    Coinsurance:
    15% for most covered services

    Medical benefits

    Certificate of coverage
    Find everything you need to know about this plan’s medical and prescription drug coverage and costs.
    Summary of Benefits and Coverage
    See the Summary of Benefits and Coverage for an overview of this plan’s coverage and costs.
    Preventive care
    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. There are rules about enrolling in flexible spending arrangements (FSA) when you are enrolled in a high deductible health plan. To learn more, read the How an HSA works section in the 2025 UMP High Deductible 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 1-877-375-2599 (TRS: 711) or sign in to your Regence account for live and secure nurse chat from 8 a.m. to 8 p.m. PT.

    Prescription drugs

    Certificate of coverage
    Find everything you need to know about this plan’s prescription drug coverage and costs.
    Summary of Benefits and Coverage
    See the Summary of Benefits and Coverage for an overview of this plan’s coverage and costs.
    Pharmacy locator
    Confirm a pharmacy's network status before filling your prescriptions to save money. 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.
    Mail-order pharmacies
    If you take the same prescription drug for a longer period of time (called a maintenance drug), getting it through mail-order may be easier for you. Save time by having your prescription drugs shipped directly to you. There are no shipping costs for standard shipping when using a network mail-order pharmacy. To set up mail-order, connect with one of the following network options: Costco Mail Order Pharmacy or Postal Prescription Services.
    Drug price estimator
    Use the Drug Price Estimator 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 Estimator are subject to change.
    UMP Preferred Drug List
    Use this tool to check if your drug is covered.
    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 ArrayRx to fill elsewhere. For more information on specialty drugs, contact Ardon Health.
    Medical drugs
    Certain drugs that are administered by your provider may be covered under your medical benefit. Check with your provider to verify which benefit your injectable or provider-administered drugs are covered under.

    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.
    ArrayRx, Postal Prescription Services, Costco Mail Order Pharmacy, and Ardon Health do not provide BlueCross BlueShield services and are separate companies solely responsible for their products/services.