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UMP Plus advertises lower deductibles and $0 subscriber deductible with wellness incentive
Summary
HCA explained UMP Plus has a lower medical deductible ($125 per person, $375 family), no annual pharmacy deductible, and a SmartHealth wellness incentive that can reduce a subscriber's deductible to $0.
Johnston said a central financial benefit of UMP Plus is lower member cost-sharing. "So it offers a lower medical deductible, which is a $125 per person or up to $375 for a full family," she said. She added there is also no annual pharmacy deductible and that if a subscriber earns the SmartHealth wellness incentive, the subscriber portion of the deductible can be reduced to $0.
The presenters emphasized that while primary care visits are $0 in network for UMP Plus, related services such as X-rays and labs may still be subject to deductible and coinsurance. Members should review the plan comparison and the online dashboard to estimate their expected deductible and out-of-pocket exposure.
