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Frequently Asked Questions

Where can I find benefit summaries for quotes or groups?
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Please contact Sales at Sales@UofMHealthPlan.org for information for quotes or groups.

Can I make enrollment and eligibility changes online?
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Contact Sales at Sales@UofMHealthPlan.org to request enrollment and eligibility changes.

How can I find participating providers accepting new patients or with extended weekday or weekend office hours?
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To find a participating doctor, visit the Provider Directory.

Does UM Health Plan offer Individual/Family Plans?
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Yes - University of Michigan Health Plan (UM Health Plan) offers individual and family plans both on- and off-marketplace. Please visit the Individual Plans Page for more information. The 2024 Individual Marketplace Plans grid will give you a good overview, and the 2024 Individual Plan Summaries allows you to review the Summary of Benefits and Coverage for each plan.

Please contact Sales at Sales@UofMHealthPlan.org if you have any questions.

Can employer groups pay their premiums online?
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At this time, groups cannot pay their premiums online. Employer groups can send checks to the following address:

For HMO Plans:

University of Michigan Health Plan

PO Box 776180

Chicago, IL 60677-6180

For PPO Plans:

University of Michigan Health Plan

PO Box 776178

Chicago, IL 60677-6178

Can employer groups have their premiums automatically deducted from their bank account each month?
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Groups are able to set up ACH payments to UM Health Plan. Employer groups must initiate the payment through their financial institution.

For more information contact Finance at 888-892-0009.

Do the maximum-out-of-pocket (MOOP) amounts shown on quotes include the deductibles?
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Yes - the maximum-out-of-pocket (MOOP) amounts include the deductibles.

What if I have employees residing outside of the UM Health Plan service area?
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In order for your group to take part in an HMO plan or a POS plan through UM Health Plan, your employees must live or work within our service area. HMO or POS members who live or work outside of the service area must agree to receive services from in-network providers.

If your group offers a PPO plan, and you have a new enrollee who lives outside of the service area, please notify your account manager so that the new enrollee can be placed in the appropriate network class to receive in-network benefits.

What if a member needs to seek services while traveling out of the area?
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UM Health Plan offers a statewide network of providers and facilities. A member who has an urgent or emergency situation when traveling outside the service area should visit the nearest urgent care center or emergency department, regardless of whether it is in the network. Urgent Care and Emergency services are always covered under a member's in-network benefit, in all 50 states and worldwide.

What is the prescription drug list?
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It is a list of prescription drugs covered by a particular drug benefit plan. UM Health Plan, in conjunction with its pharmacy benefit manager, CVS/Caremark, reviews its Prescription Drug Lists on a regular basis to ensure that they are up-to-date.

Are there pre-existing condition clauses in your policies?
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There are no pre-existing clauses under any UM Health Plan policies.

How do I enroll a member, make a change or check the status of an enrollment or change?
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You can make enrollment changes in a number of ways:

Changes may take up to 48 hours to be effective.

What if a member needs Case Management services?
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How do I get appointed with UM Health Plan?
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Complete and return the Agent Appointment packet and required documents to Sales at Sales@UofMHealthPlan.org. Upon receipt of your information you will be contacted via email with next steps. Questions regarding the appointment process can be directed to Sales at  Sales@UofMHealthPlan.org.