• 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
     
    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  

    Benefit Design

    $1000 Base Plan

    $500 Buy Up Plan

    $1500 HSA Plan

    Deductible (Plan Year):

    $1,000

    $500

    $1,500

    Individual

    Family

    $2,000

    $1,000

    $3,000

    Coinsurance:

    80%

    90%

    100%

    Total Out of Pocket Max:

    $3,000

    $1,500

    $3,000

    Individual

    Family

    $6,000

    $3,000

    $6,000

    Physician Office Visit:

    $25

    $25

    $25 after Deductible

    Specialist Office Visit:

    $35

    $35

    $35 after Deductible

    Teladoc Visit:

    $15

    $15

    $15 after Deductible

    Emergency Room:

    $100, then Ded / Coins

    $100, then Ded / Coins

    $100 after Deductible

    Urgent Care:

    $35, then Ded / Coins

    $35, then Ded / Coins

    $35 after Deductible

    Inpatient Hospital:

    $100, then Ded / Coins

    $100, then Ded / Coins

    $100 after Deductible

    Outpatient Surgery:

    Ded / Coins

    Ded / Coins

    Deductible

    Prescription:

    $10/30/50  

    $10/30/50  

    Deductible then $10/30/50   Specialty:  $75 or $125

    Specialty:  $75 or $125

    Specialty:  $75 or $125

     If you need help deciding which plan is best for you, try this plan comparison calculator:

     
    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

    $55            $25

    $100         $70

    $5            $0 **

    Employee & spouse

    $540          $510

    $630         $600

    $450         $420

    Employee & children

    $390          $360

    $460         $430

    $315         $285

    Family

    $875          $845

    $990         $960

    $755         $725

    ** The Board will contribute $25 per month into your HSA account.
     
      
     
    Other helpful links: