Visit the 2025 UMP CDHP webpage for 2025 plan details.
UMP Consumer-Directed Health Plan (CDHP) covers all the same services as UMP Classic, but has a lower monthly premium and a higher deductible. UMP CDHP automatically enrolls members in a health savings account (HSA), which allows you to set aside pre-tax money to pay for qualified medical and prescription drug expenses. Once the money is in your account, it’s yours, and there is no deadline to use it. For specific rules and information related to enrollment and eligibility, visit hca.wa.gov/employee-retiree-benefits/public-employees.
Your out-of-pocket limit depends on the number of persons enrolled in the plan:
- One member enrolled: $4,200
- Two or more members enrolled: $8,400
- Once a member meets $7,000 in covered out-of-pocket expenses annually, the plan will pay for covered services at 100% for that member.
Plan features
✔ Uses largest provider network
✔ Doesn't require a referral for specialists
✔ You pay $0 for covered preventive care services when you see a network provider
✔ Lower monthly premium and higher deductible than UMP Classic and UMP Select
✔ Includes HSA: The State of Washington contributes $700.08/individual, $1,400.04/family annually
✔ Lower coinsurance than UMP Select
✔ Provides two mail-order pharmacy options
Individual | Family | |
|---|---|---|
Annual medical and prescription drug (combined) deductible | $1,700 | $3,400 |
Annual out-of-pocket limit | $4,200 | $8,400 |
15% for most covered medical services | 15% for most covered medical services |
Medical benefits
Prescription drugs
Providers
ArrayRx, Postal Prescription Services, Costco Mail Order Pharmacy, and Ardon Health are separate companies that provide pharmacy services.