Medical Plan Options
UMG offers multiple medical plan options to fit your needs. All medical plans provide in-network preventive care at no cost to you. You will see the plans available to you when you log into the benefits portal.
Learn more about UMG’s plans:
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
In 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.