December 6, 2018
Uniform Medical Plan coverage: 2019
As open enrollment for the state's Uniform Medical Plan closed as of Nov. 30, be sure to confirm the coverage option held by those patients when providing care in 2019. UMP offers three health plans:
UMP Classic, UMP Consumer-Directed Health Plan, and UMP Plus.
UMP Consumer-Directed Health Plan (UMP CDHP) covers all the same services as UMP Classic, including preventive care at no cost to the patient when seeing a preferred provider. UMP CDHP also covers the full cost of certain programs to quit smoking or manage diabetes. However, this plan has a lower monthly premium and a higher deductible than UMP Classic. Members have one combined deductible for medical services and prescription drugs. UMP CDHP also includes a health savings account, which allows members to set aside money tax-free to pay for qualified medical expenses. Members are automatically enrolled in a health savings account when enrolling in UMP CDHP. Once money is deposited into the account, there is no deadline to use it.
UMP Plus has a lower deductible and monthly premiums than UMP Classic while offering most of the same benefits. The plan has no prescription drug deductible, and patients pay nothing for primary care office visits when seeing their network primary care provider. Other services received at the visit, such as X-rays and labs, are covered the same as with UMP Classic.
The UMP Consumer-Directed Health Plan offers access to:
For a summary of information about open enrollment and 2019 coverage, review the: