What is UMR Insurance?

UMR Insurance is a provider of health insurance plans to employers and individuals in the United States. The company was founded in 1983 and is headquartered in Wausau, Wisconsin. UMR Insurance is a subsidiary of UnitedHealth Group, which is one of the largest health insurance companies in the world.

UMR Insurance Plans

UMR Insurance offers a variety of plans to meet the needs of different individuals and employers. These plans include:

UMR Insurance also offers dental, vision, and prescription drug plans to members.

UMR Insurance Coverage

UMR Insurance provides coverage for a wide range of healthcare services, including:

• Doctor visits
• Hospital stays
• Surgery
• Prescription drugs
• Mental health services
• Rehabilitation services
• Preventive care

The specific coverage provided by a UMR Insurance plan will depend on the plan chosen by the member or employer.

UMR Insurance Costs

The cost of a UMR Insurance plan will depend on a variety of factors, including:

• The type of plan chosen (PPO, HMO, EPO, or POS)
• The level of coverage provided
• The deductible and out-of-pocket maximum
• The size of the employer group (for group plans)
• The geographic location of the member

UMR Insurance plans generally have lower premiums for members who choose in-network providers and higher premiums for members who choose out-of-network providers.

UMR Insurance FAQs

What is the difference between a PPO and an HMO plan?

A PPO plan allows members to choose any healthcare provider they want, but offers lower costs for using in-network providers. An HMO plan requires members to choose a primary care physician and all healthcare services must be coordinated through that physician.

What is the deductible on a UMR Insurance plan?

The deductible on a UMR Insurance plan will vary depending on the specific plan chosen by the member or employer.

Can I use any healthcare provider with a UMR Insurance plan?

The ability to use any healthcare provider will depend on the type of plan chosen. PPO and EPO plans allow members to choose any provider they want (with different costs for in-network and out-of-network providers), while HMO and POS plans may require members to use in-network providers.

What is the out-of-pocket maximum on a UMR Insurance plan?

The out-of-pocket maximum on a UMR Insurance plan will vary depending on the specific plan chosen by the member or employer.

Does UMR Insurance cover prescription drugs?

Yes, UMR Insurance offers prescription drug coverage as part of its plans.

Conclusion

UMR Insurance is a provider of health insurance plans to employers and individuals in the United States. The company offers a variety of plans to meet the needs of different individuals and employers, and provides coverage for a wide range of healthcare services. The cost of a UMR Insurance plan will depend on a variety of factors, including the type of plan chosen, the level of coverage provided, and the geographic location of the member. Overall, UMR Insurance is a popular choice for those seeking affordable and comprehensive health insurance coverage.