• Medical Insurance
    medical
     
    Three medical plans are offered to full-time employees of JC Schools.  Click on the links below for plan summary information:
     
    Contact UMR Member Services for claim inquiries, request copies of ID card, explanation of benefits, etc:  800-826-9781   www.umr.com
    Group #76410722
     
    From your phone you can access your benefit and claim information, as well as your medical insurance ID card, by going to UMR's mobile site:  UMR On The Go
     
    Learn how to find the right provider for you by watching this video about UMR's provider search tool:
     
    Teladoc services now available include general medicine, dermatology and behavioral health:
     
     
    Medical Plan Comparison Summary 2025-2026  

    Benefit Design

    $1000 Base Plan

    $500 Buy Up Plan

    $1600 HSA Plan

    Deductible (Plan Year):

    $1,250 

    $750 

    $1,650 

    Individual

    Family

    $2,500

    $1,500

    $3,300

    Coinsurance:

    80%

    90%

    100%

    Total Out of Pocket Max:

    $5,000

    $3,000

    $4,125 

    Individual

    Family

    $10,000

    $6,000

    $8,250 

    Physician Office Visit:

    $25

    $25

    $25 after Deductible

    Specialist Office Visit:

    $50 

    $50 

    $50 after Deductible

    Teladoc Visit:

    $15

    $15

    $15 after Deductible

    Emergency Room:

    Deductible / Coinsurance

    Deductible / Coinsurance

    $200 after Deductible

    Urgent Care:

    $50

    $50

    $50 after Deductible

    Inpatient Hospital:

    $100, then Ded / Coins

    $100, then Ded / Coins

    $100 after Deductible

    Outpatient Surgery:

    Deductible / Coinsurance

    Deductible / Coinsurance

    Deductible

    Prescription:

    $10 / 20% up to $100 /      20% up to $200

    $10 / 20% up to $100 /    20% up to $200

    Deductible then $10/ 20% up to $100/ 20% up to $200;  Specialty: 20% up to $300

    Specialty:  20% up to $300

    Specialty:  20% up to $300
     
     
     
    Employee Monthly Premiums: 

    Monthly Medical Premiums

    Base Plan

    Buy Up Plan

    HSA Plan

    w/o Wellness    w/Wellness

    w/o Wellness   w/Wellness

    w/o Wellness   w/Wellness

    Employee only

    $60              $30

    $105            $75

    $10              $0 **

    Employee & spouse

    $590            $560

    $680            $650

    $490            $460

    Employee & children

    $420            $390

    $500            $470

    $340            $310

    Family

    $950            $920

    $1075          $1045

    $820            $790

    ** The Board will contribute $20 per month into your HSA account.
     
      
     
    Other helpful links: