Medical – Total Quality Logistics, LLC

Which Medical Plan is Right?

Evaluate Your Needs. Consider your prior health care usage and select plans and options that fit your lifestyle and needs.

Do you take regular prescription medications?
Are you anticipating surgery or non-preventive dental care?
Did you experience a qualifying life event this year?
Review your current plans to ensure you have the coverage you need.

Review this benefits website to learn about your plan options.

A little bit of planning will help you select the best plans, coverage levels, and financial programs for your unique situation.

Make umr.com your first stop. You want managing your health care to be fast and easy, right? You got it. At umr.com, you’ll find everything you want to know – and need to do – as soon as you log in. No hassles. No waiting. Just the answers you’re looking for anytime, night or day!

Compare Medical Plans & Contributions

	PPO BASE PLAN			PPO BUY-UP			HDHP PREMIUM			HDHP BASIC
	IN NETWORK	OUT OF NETWORK	IN NETWORK	OUT OF NETWORK	IN NETWORK	OUT OF NETWORK	IN NETWORK	OUT OF NETWORK

Annual Deductible
Individual	$3,000	$9,000	$1,000	$3,000	$3,300	$11,000	$5,000	$12,000
Family	$6,000	$18,000	$2,000	$6,000	$6,600	$22,000	$10,000	$24,000
Coinsurance	80%	60%	90%	60%	90%	60%	100%	60%

Maximum Out of Pocket
Individual	$5,000	$15,000	$3,500	$10,500	$5,300	$12,720	$6,000	$15,000
Family	$10,000	$30,000	$7,000	$21,000	$10,600	$25,440	$12,000	$30,000

Preventative Care
Adult Periodic Exams/Well Child Care	100%	60%	100%	60%	100%	60%	100%	60%

Physician Office Visit
Primary Care	$30 copay	60%	$25 copay	60%	Deductible, then covered at 90%	60%	Deductible, then covered at 100%	60%
Specialty Care	$50 copay	60%	$40 copay	60%	Deductible, then covered at 90%	60%	Deductible, then covered at 100%	60%
Teledoc	$10	N/A	$10	N/A	$54+ copay then 90% after deductible.		$54+ copay then 100% after deductible.	N/A

Diagnostic Services
Urgent Care Facility	$75	60%	$50	60%	Deductible, then covered at 90%	60%	Deductible, then covered at 100%	60%
Emergency Room	Deductible, then covered at 80%	80%	Deductible, then covered at 90%	90%	Deductible, then covered at 90%	90%	Deductible, then covered at 100%	60%
Inpatient/Outpatient	Deductible, then covered at 80%	60%	Deductible, then covered at 90%	60%	Deductible, then covered at 90%	60%	Deductible, then covered at 100%	60%

Retail Pharmacy
Generic	$20 copay	N/A	$20 copay	N/A	See *NOTE 1 below	N/A	See *NOTE 2 below	N/A
Preferred	$40 copay	N/A	$40 copay	N/A	See *NOTE 1below	N/A	See *NOTE 2 below	N/A
Non-Preferred	$100 copay	N/A	$100 copay	N/A	See *NOTE 1 below	N/A	See *NOTE 2 below	N/A
Preferred Specialty	25% - $500	N/A	25% - $500		See *NOTE 1 below	N/A	See *NOTE 2 below	N/A
									*NOTE 1: Deductible, then PPO copay structure		*NOTE 2: Deductible, then PPO copay structure

Mail Order Pharmacy
Generic	$60 copay	N/A	$60 copay	N/A	See *NOTE 3 below	N/A	See *NOTE 4 below	N/A
Preferred	$120 copay	N/A	$120 copay	N/A	See *NOTE 3 below	N/A	See *NOTE 4 below	N/A
Non-Preferred	$300 copay	N/A	$300 copay	N/A	See *NOTE 3 below	N/A	See *NOTE 4 below	N/A
Preferred Specialty	25% - $500	N/A	25% - $500	N/A	See *NOTE 3 below	N/A	See *NOTE 4 below	N/A
									*Note 3: Deductible, then PPO copay structure		*Note 4: Deductible, then PPO copay structure

Employee Contributions (Semi-Monthly): Medical Plans
	PPO Base Plan			PPO BUY-UP			HDHP PREMIUM			HDHP Basic
Employee	$68.04			$140.40			$44.20			$0.00
Employee & Spouse	$152.92			$323.22			$97.91			$47.70
Employee & Child(ren)	$117.16			$248.24			$75.48			$38.94
Family	$215.38			$451.01			$137.55			$67.95