Uniform Medical Plan

Learn about the Uniform Medical Plan (UMP) plans, administered by Regence BlueShield and ArrayRx. What's new for 2026 or watch the video: English | Español

On this page: Full benefits | Summary of benefits | Costs | Find providers | Plan options | About UMP
Return to Medical plans and benefits: Employees | Retirees | PEBB Continuation Coverage

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Full benefits

The following documents—called a Certificate of Coverage (COC)—provide in-depth descriptions of the health care benefits for each plan.

2026

• UMP Classic COC (2026)
• UMP Consumer-Directed Health Plan (CDHP) COC (2026)
• UMP Select COC (2026)

2025

• UMP Classic COC (2025)
• UMP Consumer-Directed Health Plan (CDHP) COC (2025)
• UMP Select COC (2025)
• UMP Plus–Puget Sound High Value Network (PSHVN) COC (2025)
• UMP Plus–UW Medicine Accountable Care Network (UW Medicine ACN) COC (2025)

Summary of benefits

The following documents—called a Summary of Benefits and Coverage (SBC)—provide summaries of what each plan covers and what it costs.

2026

• UMP Classic SBC (2026)
• UMP Select SBC (2026)
• UMP CDHP SBC (2026)

2025

• UMP Classic SBC (2025)
• UMP Select SBC (2025)
• UMP CDHP SBC (2025)
• UMP Plus–Puget Sound High Value Network (PSHVN) SBC (2025)
• UMP Plus–UW Medicine Accountable Care Network (UW Medicine ACN) SBC (2025)

Costs

2026

• Employee monthly premiums (2026)
• Retiree monthly premiums (2026)
• PEBB Continuation Coverage monthly premiums (2026)

2025

• Employee monthly premiums (2025)
• Retiree monthly premiums (2025)
• PEBB Continuation Coverage monthly premiums:
  • COBRA/Unpaid Leave (2025)
  • Employer Group Ended Participation (2025)

Find providers

Use one of Regence's provider directories.

• UMP Classic
• UMP Select
• UMP CDHP

Plan options 2026

UMP Classic

UMP Classic uses Regence BlueShield’s largest network of providers, but has a lower deductible than UMP Select and UMP Consumer-Directed Health Plan (CDHP). For most services, you can see a specialist without a referral.

Annual costs

• Medical deductible: $250 individual | $750 family
• Prescription drug deductible: $100 individual | $300 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• Members may self-refer to most specialists.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Classic is available in all Washington counties and nationwide. Visit plans available by county.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP Select

UMP Select uses Regence BlueShield’s largest network of providers. The plan offers a lower
monthly premium than UMP Classic, but has a higher coinsurance (the amount you pay your provider) than other UMP plans. For most services, you can see a specialist without a referral. With UMP Select, you pay $0 for covered preventive care when you see a network provider.

Annual costs

• Medical deductible: $750 individual | $2,250 family
• Prescription drug deductible: $250 individual | $750 family
• Medical out-of-pocket limit: $3,500 individual | $7,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key Features

• Members may self-refer to most specialists.
• Pay $0 for covered preventive care when you see a network provider.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Select is available in all Washington counties and nationwide. Visit plans available by county.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP CDHP

UMP CDHP uses Regence BlueShield’s largest network of providers. UMP CDHP covers the same services as UMP Classic, but has a lower monthly premium and a higher deductible. For most services, you can see a specialist without a referral.

When you enroll in UMP CDHP, you are automatically enrolled in a health savings account (HSA) through our HSA partner HealthEquity who manages the account. This allows you to set aside pretax money to pay for qualified medical expenses, including prescription drugs and more. Visit HealthEquity or watch their on-demand webinar to discover the many uses for your HSA.

Additionally, the State of Washington contributes $700.08 for one enrollee and $1,400.04 for a family plan annually, which is distributed throughout the plan year. Once the money is in your account, it’s yours, and there is no deadline to use it.

Annual costs

• Medical deductible: $1,700 individual | $3,400 family
• Medical out-of-pocket limit: $4,200 individual | $8,400 family (An individual on family coverage will not have their out-of-pocket limit exceed $7,000)

Key Features

• Members may self-refer to most specialists.
• Pay $0 for covered preventive care services when you see a network provider.
• 24/7 access to on-demand virtual care.
• Pay 15% coinsurance (for most prescription drugs) at a network pharmacy after you have met your deductible. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP CDHP is available in all Washington counties and nationwide. Visit plans available by county.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

Plan options 2025

UMP Classic

UMP Classic uses Regence BlueShield’s largest network of providers, but has a lower deductible than UMP Select and UMP Consumer-Directed Health Plan (CDHP). For most services, you can see a specialist without a referral.

Annual costs

• Medical deductible: $250 individual | $750 family
• Prescription drug deductible: $100 individual | $300 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit $2,000 individual | $4,000 family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Classic is available in all Washington counties and nationwide. Visit plans available by county.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP Select

UMP Select uses Regence BlueShield’s largest network of providers. The plan offers a lower
monthly premium than UMP Classic and UMP Plus, but has a higher coinsurance (the amount you pay your provider) than other UMP plans. For most services, you can see a specialist without a referral. With UMP Select, you pay $0 for covered preventive care when you see a network provider.

Annual costs

• Medical deductible: $750 individual | $2,250 family
• Prescription drug deductible: $250 individual | $750 family
• Medical out-of-pocket limit: $3,500 individual | $7,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key Features

• See a specialist without a referral, for most services
• Pay $0 for covered preventive care when you see a network provider.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Select is available in all Washington counties and nationwide. Visit plans available by county.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP CDHP

UMP CDHP uses Regence BlueShield’s largest network of providers. UMP CDHP covers the same services as UMP Classic, but has a lower monthly premium and a higher deductible. For most services, you can see a specialist without a referral.

When you enroll in UMP CDHP, you are automatically enrolled in a health savings account (HSA) through our HSA partner HealthEquity who manages the account. This allows you to set aside pretax money to pay for qualified medical expenses, including prescription drugs and more. Visit HealthEquity or watch their on-demand webinar to discover the many uses for your HSA.

Additionally, the State of Washington contributes $700.08 for one person and $1,400.04 for a family annually, which is distributed throughout the plan year. Once the money is in your account, it’s yours, and there is no deadline to use it.

Annual costs

• Medical deductible: $1,650 individual | $3,300 family
• Medical out-of-pocket limit: $4,200 individual | $8,400 family (An individual on family coverage will not have their out-of-pocket limit exceed $7,000)

Key Features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care services when you see a network provider.
• 24/7 access to on-demand virtual care.
• Pay 15% coinsurance (for most prescription drugs) at a network pharmacy after you have met your deductible. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP CDHP is available in all Washington counties and nationwide. Visit plans available by county.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP Plus–Puget Sound High Value Network

UMP Plus–PSHVN is a network of providers offering high quality, coordinated care at a lower cost. You pay $0 for office visits with network primary care providers, including pediatricians. UMP Plus has a lower deductible than UMP Classic while offering most of the same benefits. For most services, you can see a specialist without a referral. Visit the UMP Plus–PSHVN website to learn more about the network.

Annual costs

• Medical deductible: $125 individual | $375 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features of the plan

• Pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialist without a referral, for most services.
• No prescription drug deductible.
• You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

Visit plans available by county.

To enroll in this plan, you must live in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Yakima

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP Plus–UW Medicine Accountable Care Network

UMP Plus–UW Medicine ACN is a network of providers offering high quality, coordinated care at a lower cost. You pay $0 for office visits with network primary care providers, including pediatricians. The UMP Plus–UW Medicine ACN network is a limited network compared to UMP Classic, UMP Select, and UMP CDHP. UMP Plus has a lower deductible than UMP Classic while offering most of the same benefits. For most services, you can see a specialist without a referral. Visit the UMP Plus–UW Medicine ACN website to learn more about the network.

Annual costs

Medical deductible: $125 individual / $375 family Medical out-of-pocket limit: $2,000 individual / $4,000 family Prescription drug out-of-pocket limit: $2,000 individual / $4,000 family

Key features of the plan

• Pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialist without a referral, for most services.
• No prescription drug deductible.
• You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

Visit plans available by county.

To enroll in this plan, you must live in these counties:

• Benton
• Franklin
• King
• Pierce
• Skagit
• Snohomish
• Spokane
• Thurston

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and your medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

About UMP

Uniform Medical Plan (UMP) is a collection of high-quality, self-insured preferred provider organization (PPO) health plans offered through Washington State’s Public Employees Benefits Board (PEBB) Program. UMP is administered by Regence BlueShield and ArrayRx.

UMP is ready to meet your health care needs with affordable plan options. All plans pay for covered preventive services like annual checkups, and certain screenings and vaccines at no cost to you when you see a network provider.

When you choose a UMP plan, you get an active partner in your health care and a dedicated service team available to answer your questions quickly and help you make the most of your benefits.