Option 2 – Preferred Provider Organization (PPO) Medical Plan

The PPO Medical Plan (our established and traditional plan option) offers in-network and out-of-network benefits. If you use a PPO-contracted provider you will receive a higher level of benefits and lower out-of-pocket costs.

Out-of-pocket maximum includes covered expenses paid by you toward deductible, copays and coinsurance during the plan year.

Dental insurance coverage is included with the PPO Medical Plan.

As in past years, UMR is the third-party administrator for this plan and processes all claims and provides customer service and support.