Medical/Dental/Prescription Plan

Self-insured group coverage (subject to change at Library's option) with in-network and out-of-network benefits, or option for no coverage (providing there is coverage elsewhere); employee only or employee with dependents coverage available, both on shared cost basis.

Employee cost for bi-monthly pre-tax premiums (effective July 1, 2024):

Employee-Only PPO Plan = $61.06
Family (Employee Plus Dependents) PPO Plan = $204.20
Employee-Only HDHP Plan = $42.74
Family (Employee Plus Dependents) HDHP Plan = $143.43
To access the UMR website, click here.

Dental Coverage

Dental coverage is provided as part of your health plan election and as a result cannot be chosen as a separate election and does not cost an additional premium. There is no dental network so you can go to any dentist that you choose. To use your dental insurance, please provide your dentist with the UMR benefits card. For easier claims processing, it is recommended that you contact your dentist of choice and confirm that they are able to submit claims to UMR on your behalf.

Preventative services are covered at 100%. For other services, there is a $50 deductible for the individual and a family deductible of $250. The participant is responsible for 20% of the cost of services classed as “Basic Services” and 50% for services classes as “Major Services.” Orthodontia coverage is proved to children only at a rate of 50%. There is no out-of-pocket maximum for dental coverage.

Prescription Coverage

Prescription coverage is included in your health plan election. Our current Pharmacy Benefit Manager (PBM) is HealthSmart Rx. Their group information is listed on your medical card so there is not a separate card to access this benefit. You can provide your medical card to the pharmacy to have your prescription processed through insurance.

HealthSmart Rx uses Express Scripts as their network. You can register online through Express Scripts for more information including a full list of in-network pharmacies and records of your prescription fills. Information on your prescription plan is attached below. To view the prescription cost tiers, please view the Summary of Coverage documents for either the PPO or HDHP plan.

Connect Benefit Program

The Connect Benefit savings network provides 100% coverage for MRIs, CT scans, ultrasounds, x-rays, physical therapy, some outpatient services, and durable medical equipment. This program is for non-emergency procedures that can be scheduled ahead of time. When using this program, a facility will be chosen for you and as a result, is completely voluntary. Scheduling services without Connect Benefit will be subject to the deductibles and co-insurance.

Ther are over 4,000 different durable medical equipment products offered including but not limited to CPAP machines, nebulizers, joint braces, book walkers, crutches, and compression therapy. For these products to be covered at 100%, contact Connect Benefit who will coordinate with the durable medical equipment provider (Connect DME).

For more information, please see the Connect Benefits fliers below. They can be contact by calling 855-624-7283 or by email at [email protected].