UMP Classic

Medical deductible

Note: This definition applies to UMP Classic only.

The medical deductible is a dollar amount you must pay each calendar year for health care expenses before the plan starts paying for services. You pay the first $250 per person in medical expenses to your providers ($750 maximum if you have a family of three or more on one account). Only expenses covered by the plan count toward your deductible.

For example, if you receive LASIK surgery (see exclusions), the plan does not apply this payment to your medical deductible. Some services are exempt from this deductible (see Summary of benefits). See details on how the deductible works in your certificate of coverage.

The medical and prescription drug deductibles are separate: Medical services do not count toward your prescription drug deductible. Prescription drug purchases do not count toward your medical deductible.