Traditional Health Insurance

The Traditional Health Plan is one of two medical plans employees can choose from. All qualified employees, their spouses, and their children under the age of 26 are provided with medical benefits through UMR.

Call UMR Plan Advisor for help understanding your benefits, claims and providers. 1-800-207-3172

Traditional Premium Table
Type of Coverage Employer Premium Employee Premium
Single $313.59 $82.15
Two-Party $705.59 $180.00
Family $1,011.71 $256.65

Plan Deductible:

Tier I  and Tier II - $1000 individual / $1,500 family deductible.

Preventative visits covered 100%.

Out of pocket maximum:

Tier I $2,500 individual / $5,000 family for the plan year (in-network)

Tier II $3,500 individual / $7,000 family for the plan year (in-network)

Copays:

On the Traditional plan, most copays are not subject to meeting the deductible and you will have co-pays immediately each plan year.The following copays apply:

  • Primary Office Visits: $35
  • Specialists Office VIsits: $45
  • Urgent Care Visit: $45
  • ER Visit: $300

Prescription:

$50 deductible, generic Rx $10; preferred Rx 30% ($250 max); non-preferred Rx or unique specialty medications 50% ($350 max)
- Prescription Benefits Information 

Flexible Spending Account

FSA funds must be used during the plan year or are forfeited at the end of the plan year grace period.

For the 2025 calendar year the FSA has a $3,300 annual contribution limit.

National Benefit Services - Flexible Spending Accounts (Customer Service 800-274-0503)

 

UMR Website

What is Tier I pricing?

The largest cost-driver in our SUU plan is outpatient surgery. The less expensive surgical centers have a lesser deductibles to services performed at these centers.

The following surgical centers will bill under Tier I:

  1. Cedar Orthopedic Surgery
  2. Cedar Orthopedic Surgery Center (C.O.S.C.)
  3. Southern Utah MRI  (SUMRI)
  4. Southern Utah Physical Therapy  (SUPT)
  5. Coral Desert - Revere Health Orthopedics
  6. St.  George Surgical Center
  7. St. George Endoscopy

Resources

Traditional Health Plan Forms