Out-of-pocket limit

Your UMP CDHP out-of-pocket limit: How it works

The out-of-pocket limit is the most you pay in a calendar year for covered services from preferred providers. Once you meet this limit for the year, the plan pays covered services by preferred providers at 100 percent of the allowed amount.

Expenses are counted from January 1, 2017, or your first day of enrollment (whichever is later), to December 31, 2017, or your last day of enrollment (whichever is first).

Out-of-pocket limit amount

Effective in 2016: An individual cannot exceed $6,850 in covered out-of-pocket expenses annually.

Number of persons covered on the account

Limit per calendar year

One person covered

$4,200

Two or more covered

$8,400

Once an individual meets $6,850  in covered out-of-pocket expenses annually, the plan will pay for covered services at 100 percent for that individual.

What counts toward my out-of-pocket limit

What doesn’t count toward my out-of-pocket limit

  1. Amounts paid by the plan, including services covered in full (preventive).
  2. Non-network pharmacy charges that exceed the allowed amount.
  3. Balance billed* amounts. For exceptions, see “Exceptions: Out-of-network provider services that count” below.
  4. Services not covered by the plan.
  5. Amounts more than a maximum dollar amount paid by the plan. For example, the plan pays a maximum of $150 for adult vision hardware once every two calendar years. Any amount you pay over $150 does not count toward the out-of-pocket limit.
  6. Amounts paid for services exceeding a benefit limit. For example, the benefit limit for acupuncture is 16 visits. If you have more than 16 acupuncture visits in one year, you will pay in full for those visits and what you pay will not count toward this limit. See Limited benefit for more benefits with this type of limit.

What you pay after reaching your out-of-pocket limit

You will still be responsible for paying numbers 2–6 above after you meet your out-of-pocket limit.

You still pay for out-of-network provider services

Services by out-of-network providers are paid by the plan at 60 percent of the allowed amount (see below for exceptions). Even after you meet your out-of-pocket limit, you will pay 40 percent coinsurance for out-of-network provider services and the provider may still balance bill* you. Balance billed amounts do not count toward your out-of-pocket limit.

Exceptions: Out-of-network provider services that count

In certain cases, your coinsurance and balance billed amounts for out-of-network provider services will count toward your out-of-pocket limit. In addition, the plan will pay 100 percent of billed charges for these services after you meet your out-of-pocket limit.

  • Ambulance
  • Dialysis
  • Services for which you have an approved network waiver.
  • Cochlear Implant Processor Supplier.
  • Ocularists (creation and fitting of prosthetic eyes)

*Balance billing is a provider billing you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. Preferred and participating providers may not balance bill you for covered services above the allowed amount.