UMR Core: This plan covers services from almost any doctor or hospital with a discount when using a provider from the PPO network. The out of pocket expenses are higher when using a provider not in UnitedHealthcare’s PPO network. Referrals are not usually required to see specialty physicians.
2025 Rates - Salary below $41,000
| Bi-Weekly Rate | Monthly Rate | |
| Single | $ 63.32 | $ 126.64 |
| Employee + spouse | $ 139.51 | $ 279.02 |
| Employee + child(ren) | $ 105.09 | $ 210.18 |
| Family | $ 173.77 | $ 347.54 |
2025 Rates - Salary $41,000 and above
| Bi-Weekly Rate | Monthly Rate | |
| Single | $ 74.50 | $ 149.00 |
| Employee + spouse | $ 164.14 | $ 328.28 |
| Employee + child(ren) | $ 123.63 | $ 247.26 |
| Family | $ 204.44 | $ 408.88 |
Find a Provider:
- Go to the UHC provider website: https://member.uhc.com/myuhc
- Click on “find a network”,
- Click on “Medical Directory”
- Click on “Employer and Individual plans”
- Scroll and select the "Choice Plus" network
- Ensure the location is set to the location of the provider in which you are searching
- Search for specific providers by typing name into search bar
- Look for a provider by category by clicking one of the categories
UnitedHealthcare has the largest proprietary provider network with over 1.2 million providers, over 5,400 hospitals, and 2,300 convenient care clinics.
The UMR Core plan provides a great benefit for USI employees and family members that elect the plan, see the Summary Plan (coming soon) for more details.
Members can login at https://www.umr.com/
Prescription coverage for this plan is through CVS Caremark and Prescription information will be included on your UMR Health Insurance ID.
Register online at www.caremark.com
Contact by phone at 844-259-1254
Once you are enrolled you will receive an ID Card from UMR within 10-14 business days. If you need a card sooner you can register for the UMR Account and see your card there.
Create your UMR account at https://www.umr.com/
Click "Sign in"
Click "Create your account"
On this plan you can enroll in Medicare Part A, but decline Medicare Part B.
This plan is considered a credible plan by Medicare, so when you or your dependent are eligible for Medicare part B, you can decline the coverage and then when your coverage with the University or any credible plan ends a Special enrollment period will open to enroll in Medicare Part B.
You will need a form from the plan sponsor, for example if you are on this plan and retire are 66, USI will complete the form for you.
More information:
https://www.uhc.com/news-articles/medicare-articles/what-is-the-medicare-special-enrollment-period