Medical
Polaris Marine offers three medical plans through UMR to help you get the care you need at an affordable price. All three plans provide you with access to a national network of providers and facilities in the Choice+ network.
Medical Highlights
HSA Buy-Down Plan
(In-Network)
Network
UMR Choice+
Type of Deductible
Calendar Year Deductible
Individual: $6,000
Family: $12,000
Your Coinsurance
0%
Out-of-Pocket Maximum
(Includes copays, deductibles, coinsurance)
Individual: $6,000
Family: $12,000
Physician Visit (Primary / Specialist)
Deductible
Covered 100%
Emergency Room Visit
Deductible
Urgent Care Visit
Deductible
Inpatient Visit
Deductible
Outpatient Procedure
Deductible
Teladoc
You pay $45 (deductible applies)
(Out-of-Network)
Calendar Year Deductible
Individual: $12,000
Family: $24,000
Your Coinsurance
30%
Out-of-Pocket Maximum
Individual: $18,000
Family: $30,000
HSA Base Plan
(In-Network)
Network
UMR Choice+
Type of Deductible
Calendar Year Deductible
Individual: $3,000
Family: $6,000
Your Coinsurance
0%
Out-of-Pocket Maximum
(Includes copays, deductibles, coinsurance)
Individual: $3,000
Family: $6,000
Physician Visit (Primary / Specialist)
Deductible
Covered 100%
Emergency Room Visit
Deductible
Urgent Care Visit
Deductible
Inpatient Visit
Deductible
Outpatient Procedure
Deductible
Teladoc
You pay $45 (deductible applies)
(Out-of-Network)
Calendar Year Deductible
Individual: $6,000
Family: $12,000
Your Coinsurance
40%
Out-of-Pocket Maximum
Individual: $12,000
Family: $24,000
PPO Plan
(In-Network)
Network
UMR Choice+
Type of Deductible
Calendar Year Deductible
Individual: $750
Family: $2,250
Your Coinsurance
20%
Out-of-Pocket Maximum
(Includes copays, deductibles, coinsurance)
Individual: $4,000
Family: $8,000
Physician Visit (Primary / Specialist)
$25 copay / $45 copay
Covered 100%
Emergency Room Visit
$150 copay
Urgent Care Visit
$75 copay
Inpatient Visit
Deductible
Outpatient Procedure
Deductible
Teladoc
$10 copay
(Out-of-Network)
Calendar Year Deductible
Individual: $3,000
Family: $9,000
Your Coinsurance
30%
Out-of-Pocket Maximum
Individual: $8,000
Family: $13,700
Preventive Care
Understanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms, and immunizations. Through the plans offered by Polaris Marine, all covered individuals and family members are eligible to receive routine wellness services, at no cost; all copays, coinsurance, and deductibles are waived.
Polaris Marine is proud to include certain diabetic supplies as preventive care - which means that there would be no cost to members for those covered diabetic supplies.