Annual deductible

Your UMP Classic medical deductible

Your UMP Classic medical deductible is $250 per person every calendar year (with a maximum of $750 for a family of three or more). For most covered medical services, you pay toward the deductible before the plan begins to pay. Learn more, including how the deductible works for families, at UMP Classic: How does the medical deductible work?

Services not subject to the medical deductible

For these services, you don’t have to pay your medical deductible before the plan begins to pay:

Prescription drug deductible

Your UMP Classic prescription drug deductible is $100 per person every calendar year. Learn more about your drug coverage.

You don't pay any deductible for Value Tier or Tier 1 drugs. For Tier 2 and Tier 3 drugs, you must pay your prescription drug deductible before the plan begins to pay–no matter where you purchase your prescriptions.

Use your member ID card

Show your UMP member ID card each time you see a provider or fill a prescription. Pharmacies and providers need this information to charge you the right amount and bill your plan correctly.