The Centers for Disease Control and Prevention (CDC) recommend a yearly flu vaccination for everyone 6 months of age and over as the first and most important step in protecting against the flu.
People should begin getting vaccinated soon after flu vaccine becomes available, if possible, by October, to ensure that as many people as possible are protected before flu season begins. However, as long as flu viruses are circulating, it’s not too late to get vaccinated.
This is one call you don’t want to miss. UMR may be trying to contact you regarding the case management program available to help you manage or improve your health.
Few things in life are more important than the health of you and your family. Fortunately, you have UMR CARE on your side to help you understand all your medical care options.
Have a question?
Try chat! Our team members are available online to answer your questions about your claims and benefits with just the click of your mouse. Once you’ve logged in to your umr.com account, just click the Live Chat icon in the top navigation bar on your member home page. It’s that easy.
Learn the Language of Health Care
Let’s face it. Understanding health and benefits terms is like learning a foreign language for most of us. Knowing the difference between coinsurance and copayment can be confusing. And deciphering an EOB from COB shouldn’t require a PhD.
Fortunately, you don’t need a foreign language professor or CIA code-breaker to understand all of these terms. That’s because our own UMR team of language experts has already defined them for you, along with a few others.
The amount you have to pay before your plan pays for specified services. Deductibles are usually an annual set amount. A deductible may apply to all services or just a portion of your benefits. It depends on your benefits plan.
The amount you pay out of your pocket for particular health care services during a particular period of time. An out-of-pocket maximum limits the amount you have to pay during a particular period of time.
Many families are covered by more than one health plan. The coordination of benefits (COB) process determines which plan pays first. It also determines if the second plan will pay any remaining charges not covered by the first plan. The process makes sure your doctor doesn’t get paid twice for the same service.
An EOB is simply the statement explaining your benefits activity. It includes the services provided, the amount billed and the amount paid, if any. You should review your EOBs carefully. Call the customer service number on your ID card or visit umr.com if you have any questions about your EOB.
Choosing the Health Savings Plan (a high deductible health plan) with a Health Savings Account (HSA) is often a financial winner because you get:
Income tax-free savings to cover a variety of qualified medical expenses now and into the future
More control of your health care dollar
Here’s how your HSA helps you save
Your HSA is designed to protect you and your family against unexpected health care costs. When you use your HSA, it’s like using a 25–35 percent coupon for your qualified medical expenses.*
That’s because HSA contributions are tax advantaged. For example, let’s say you visit your dentist and receive a bill for $400. When you pay with your HSA, you will save between $100 and $140 dollars based on your tax rate.
*Based on a 25–35 percent combined payroll and income tax rate.
New for 2023! HSA Contribution Increase
If you enroll in the Health Savings Plan, the University will contribute $650 single/$1,200 family coverage.