Medical Plan Options
UMG offers several medical plan options, so you can choose the coverage that works best for you and your family. All plans cover eligible in-network preventive care at no cost to you.
The plans available to you depend on where you live and will appear in the benefits portal when you enroll.
Explore your medical plan options:
Learn about the HDHP, EPO, and PPO plans, including how each plan works, provider access, and key features.
Learn how the Kaiser HMO works, including its coordinated approach to care through Kaiser providers and facilities.
Have questions on your benefits?
Contact the UMG
Benefit Service Center
at (888) 526-2794
from 8 am – 5 pm PT.
Medical plan comparison
Anthem PPO
Anthem PPO
Anthem Co-Pay
Anthem HDHP
Anthem HDHP
Kaiser HMO
Plan Features
In-Network
Out-of-Network
In Network Only
In Network
Out-of-Network
In Network Only
Annual Deductible
None
$750 per member
$2,000 per family
$2,000 per family
None
$1,700 per member
$3,400 per family
$3,400 per family
$3,400 per member $6,800 per family
None
Annual Out-of-Pocket Maximum
$1,500 per member $3,000 per family
$3,000 per member
$9,000 per family
$9,000 per family
$800 per member
$2,400 per family
$2,400 per family
$3,400 per member
$6,800 per family
$6,800 per family
$6,800 per member $13,400 per family
$1,500 per member
$3,000 per family
$3,000 per family
Lifetime Maximum
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Preventive Care
No co-pay
30% coinsurance*
No co-pay
No co-pay
30% coinsurance**
No co-pay
Primary Care
$20 co-pay
30% coinsurance*
$20 co-pay
10% coinsurance**
30% coinsurance**
$15 co-pay
Telehealth
No co-pay (LiveHealth Online)
Not covered
No co-pay (LiveHealth Online)
No co-pay (LiveHealth Online)
Not covered
No co-pay (Kaiser Video Visit)
Specialist
$40 co-pay
30% coinsurance*
$30 co-pay
10% coinsurance**
30% coinsurance**
$30 co-pay
Urgent Care
$20 co-pay
30% coinsurance*
$20 co-pay
10% coinsurance**
30% coinsurance**
$15 co-pay
Emergency Room
$100/visit (waived if admitted)
$100/visit (waived if admitted)
$100/visit (waived if admitted)
10% coinsurance**
10% coinsurance**
$100/visit
Mental / Behavioral Health
No co-pay
30% coinsurance*
No co-pay
No co-pay**
30% coinsurance**
$15 co-pay
Inpatient Hospitalization
10% coinsurance
30% coinsurance*
$200 co-pay
10% coinsurance**
30% coinsurance**
$100 co-pay/admission
Outpatient Surgery
10% coinsurance
30% coinsurance*
No co-pay
10% coinsurance**
30% coinsurance**
$30/procedure
Infertility Services
10% coinsurance (managed by Maven)
30% coinsurance (managed by Maven)
No co-pay (managed by Maven)
30% coinsurance (managed by Maven)**
Please review the SPD for specific services and coverage.
Lab & X-Ray
10% coinsurance
30% coinsurance*
No co-pay
10% coinsurance**
30% coinsurance**
No co-pay
*30% coinsurance of plan allowed charges; out-of-network providers may balance bill for additional fees.
**Pre-tax payroll deduction.
**Pre-tax payroll deduction.
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Employee Only
Anthem PPO
Anthem Co-Pay (EPO)
Anthem High-Deductible Health Plan(HDHP)
Kaiser HMO (CA only)
Employee + Spouse
$185
$128
$95
$162
Employee + Child(ren)
$402
$283
$209
$333
Employee + Family
$377
$264
$190
$280
$531
$371
$276
$406
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
Employee Only
Anthem PPO
Anthem Co-Pay (EPO)
Anthem High-Deductible Health Plan(HDHP)
Kaiser HMO (CA only)
Employee + Spouse
$1,300.10
$1,183.29
$1,133.75
$887.71
Employee + Child(ren)
$2,860.22
$2,603.23
$2,479.79
$1,952.95
Employee + Family
$2,600.27
$2,366.63
$2,267.55
$1,775.41
$3,770.40
$3,431.63
$3,222.92
$2,512.21
Have questions about your benefits?
Contact the UMG Benefits Service Center at (888) 526-2794 from Monday to Friday 8 am – 5 pm PT.