Regence BlueShield administers the Uniform Medical Plan (UMP) for Washington State’s Public Employees Benefits Board (PEBB) Program. UMP offers a range of health insurance options designed to meet the diverse needs of public employees and their families. This topic provides an overview of the UMP plans available under PEBB, highlighting their features, benefits, and considerations to help members make informed decisions about their healthcare coverage.
Overview of UMP Plans
The UMP plans are self-insured Preferred Provider Organization (PPO) health plans offered through Washington State’s Public Employees Benefits Board (PEBB) Program. These plans are administered by Regence BlueShield and ArrayRx, providing members with access to a wide network of healthcare providers and services. UMP aims to offer comprehensive coverage that balances affordability with quality care.
Plan Options
UMP offers several plan options to cater to the varying needs of its members
- UMP ClassicA traditional PPO plan with a broad network of providers, offering flexibility and comprehensive coverage.
- UMP SelectA PPO plan with a more limited network of providers, designed to offer lower premiums while maintaining quality care.
- UMP PlusA series of plans that partner with specific healthcare systems, such as the UW Medicine Accountable Care Network and the Puget Sound High Value Network, to provide coordinated care and potentially lower out-of-pocket costs.
- UMP Consumer-Directed Health Plan (CDHP)A high-deductible plan paired with a Health Savings Account (HSA), offering lower premiums and the opportunity to save for future healthcare expenses.
Benefits of UMP Plans
UMP plans are designed to provide members with access to affordable and high-quality healthcare services. Key benefits include
- Comprehensive CoverageUMP plans cover a wide range of medical services, including preventive care, hospital stays, prescription drugs, and mental health services.
- Access to a Broad NetworkMembers have access to a large network of healthcare providers, ensuring they can receive care when and where they need it.
- Preventive ServicesUMP plans cover preventive services at no cost to members when provided by a network provider, promoting overall health and well-being.
- Prescription Drug CoverageThrough ArrayRx, UMP plans offer prescription drug coverage, including mail-order pharmacy services for added convenience.
- Behavioral Health ServicesUMP plans provide coverage for mental health and substance use disorder treatment, including both virtual and in-person services.
Considerations When Choosing a Plan
When selecting a UMP plan, members should consider several factors to ensure they choose the plan that best meets their healthcare needs
- Provider NetworkConsider whether your preferred healthcare providers are included in the plan’s network. Plans with broader networks may offer more flexibility in choosing providers.
- Premiums and Out-of-Pocket CostsEvaluate the plan’s premiums, deductibles, copayments, and coinsurance to determine the overall cost of coverage.
- Prescription Drug NeedsReview the plan’s prescription drug formulary to ensure it covers the medications you take regularly.
- Specialized CareIf you require specialized care, such as maternity services or chronic disease management, ensure the plan provides adequate coverage for these services.
- Health Savings Account EligibilityFor those considering the UMP CDHP, verify eligibility for a Health Savings Account and understand the associated benefits and responsibilities.
Accessing UMP Services
Members can access UMP services and manage their healthcare coverage through the Regence BlueShield member portal. The portal allows members to
- Find in-network providers
- View and manage claims
- Access prescription drug information
- Request ID cards
- Contact customer service for assistance
Additionally, members can utilize the UMP mobile app for on-the-go access to their healthcare information and services.
Contact Information
For questions or assistance regarding UMP plans, members can contact UMP Customer Service
- Phone 1-800-628-3481
- TTY 711
- Business Hours Monday through Friday, 5 a.m. to 8 p.m. Pacific Time; Saturday, 8 a.m. to 430 p.m. Pacific Time
For prescription drug-related inquiries, members can contact ArrayRx
- Phone 1-888-361-1611
- TTY 711
- Business Hours Monday through Friday, 730 a.m. to 530 p.m. Pacific Time
Regence BlueShield’s Uniform Medical Plan offers a variety of health insurance options tailored to the needs of Washington State public employees and their families. By understanding the different plan options, benefits, and considerations, members can make informed decisions to ensure they receive the best possible healthcare coverage. For more detailed information and to compare plan options, visit the official UMP website.