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2026 Medical

You have choices when it comes to your medical coverage. You decide what works for you — there’s no right or wrong answer.

New for 2027: BCBS is back

Back by popular demand, the PPO and High Deductible Health Plan are moving from UMR to BCBS. The BCBS plans also include access to OneImaging, and in certain ZIP codes, the PPO will require the BlueHPN network in certain ZIP codes. 

See 2027 medical plans

Speed read

You have five medical plan options. All the plans offer basically the same comprehensive coverage; the biggest difference is how and when you pay for care through—monthly contributions, deductibles, copays, coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. and out-of-pocket costs.

Your medical plan options

Surest Plan

Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
None
None
None
None
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
$4,500
$9,000
$13,500
$27,000
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
$0
$0
$150 copay
$150 copay
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
$15–$100 copay
$15–$100 copay
$300 copay
$300 copay
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
$15–$100 copay
$15–$100 copay
$300 copay
$300 copay
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
$50 copay
$50 copay
$150 copay
$150 copay
Inpatient hospital
$200–$3,000 copay
$200–$3,000 copay
Up to $9,000 copay
Up to $9,000 copay
Emergency care
$500 copay
$500 copay
$500 copay
$500 copay
Labs and x-ray
$10–$1,100 copay
$10–$1,100 copay
Up to $3,000 copay
Up to $3,000 copay
Maternity
Office visits: No charge. Delivery: $900–$2,000 copay
Office visits: No charge. Delivery: $900–$2,000 copay
Office visits: $150 copay. Delivery: $6,000 copay
Office visits: $150 copay. Delivery: $6,000 copay

UMR HDHP 3800

Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
You pay 25% after deductible
You pay 25% after deductible
You pay 45% after deductible
You pay 45% after deductible
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
$3,800
$7,600
$11,400
$22,800
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
$7,000
$14,000
$21,000
$42,000
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
$0
$0
45% after deductible
45% after deductible
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
25% after deductible
25% after deductible
45% after deductible
45% after deductible
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Inpatient hospital
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Emergency care
25% after deductible
25% after deductible
25% after deductible
25% after deductible
Labs and x-ray
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Maternity
25% after deductible
25% after deductible
45% after deductible
45% after deductible

UMR PPO 1500

Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
You pay a copay or 20–25% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay a copay or 20–25% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay 40% after deductible
You pay 40% after deductible
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
$1,500
$3,000
$4,500
$9,000
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
$5,000
$10,000
$15,000
$30,000
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
$0
$0
$0
$0
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
$25 copay, deductible waived
$25 copay, deductible waived
40% after deductible
40% after deductible
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
Inpatient hospital
20% after deductible
20% after deductible
40% after deductible
40% after deductible
Emergency care
$500 copay, deductible waived
$500 copay, deductible waived
$500 copay, deductible waived
$500 copay, deductible waived
Labs and x-ray
No charge in an office setting (deductible waived); 20% at outpatient facility
No charge in an office setting (deductible waived); 20% at outpatient facility
40% after deductible
40% after deductible
Maternity
25% after deductible
25% after deductible
40% after deductible
40% after deductible
Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
Inpatient hospital
Emergency care
Labs and x-ray
Maternity

Surest Plan

You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
None
None
None
None
$4,500
$9,000
$13,500
$27,000
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
$0
$0
$150 copay
$150 copay
$15–$100 copay
$15–$100 copay
$300 copay
$300 copay
$15–$100 copay
$15–$100 copay
$300 copay
$300 copay
$50 copay
$50 copay
$150 copay
$150 copay
$200–$3,000 copay
$200–$3,000 copay
Up to $9,000 copay
Up to $9,000 copay
$500 copay
$500 copay
$500 copay
$500 copay
$10–$1,100 copay
$10–$1,100 copay
Up to $3,000 copay
Up to $3,000 copay
Office visits: No charge. Delivery: $900–$2,000 copay
Office visits: No charge. Delivery: $900–$2,000 copay
Office visits: $150 copay. Delivery: $6,000 copay
Office visits: $150 copay. Delivery: $6,000 copay

UMR HDHP 3800

You pay 25% after deductible
You pay 25% after deductible
You pay 45% after deductible
You pay 45% after deductible
$3,800
$7,600
$11,400
$22,800
$7,000
$14,000
$21,000
$42,000
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
$0
$0
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
25% after deductible
25% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible

UMR PPO 1500

You pay a copay or 20–25% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay a copay or 20–25% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay 40% after deductible
You pay 40% after deductible
$1,500
$3,000
$4,500
$9,000
$5,000
$10,000
$15,000
$30,000
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
$0
$0
$0
$0
$25 copay, deductible waived
$25 copay, deductible waived
40% after deductible
40% after deductible
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
20% after deductible
20% after deductible
40% after deductible
40% after deductible
$500 copay, deductible waived
$500 copay, deductible waived
$500 copay, deductible waived
$500 copay, deductible waived
No charge in an office setting (deductible waived); 20% at outpatient facility
No charge in an office setting (deductible waived); 20% at outpatient facility
40% after deductible
40% after deductible
25% after deductible
25% after deductible
40% after deductible
40% after deductible

Note: What you pay for care counts toward both the in-network deductible and the out-of-network deductible.

Download a PDF of the medical plan comparison chart here.

Your paycheck cost

Surest Plan

You only
$60.70
You + your spouse/domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old.
$139.99
You + your child(ren)
$109.01
You + your family
$190.79

UMR HDHP 3800 Plan

You only
$40.00
You + your spouse/domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old.
$95.08
You + your child(ren)
$77.85
You + your family
$129.54

UMR PPO 1500 Plan

You only
$86.81
You + your spouse/domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old.
$197.93
You + your child(ren)
$156.01
You + your family
$269.79

Note: Your paycheck contributions are pre-tax except for domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old. and domestic partner child(ren) contributions, which are post-tax.

Need help choosing?

We’ve got you. There are two ways you can get help picking a plan that makes sense for you.

  • Chat: Launch Ask Benny by clicking the chat bubble on your screen and learn more about the plans, including what might make sense for you.
  • Call: Talk to an expert who can walk you through the plans and help you understand your options. Contact the Benefits Center at 1-844-347-8941, Monday – Friday, 7 a.m. – 7 p.m. CT. Spanish-speaking specialists are available.

Get in touch

Accolade

UMR Group Number: 76-417124
Download on the App Store Get it on Google Play Save to Phone as Contact

Surest

Group Number: 78800709
Download on the App Store Get it on Google Play Save to Phone as Contact

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