Can I use UMR health benefits for out-of-network providers?

Yes, you can use UMR health benefits for out-of-network providers. UMR provides coverage for both in-network and out-of-network services, allowing you the flexibility to choose healthcare providers that best suit your needs. However, it is important to note that utilizing an out-of-network provider may result in higher costs for you compared to using an in-network provider. The coverage for out-of-network services may be subject to different deductibles, copayments, and coinsurance rates. Before scheduling an appointment with an out-of-network provider, it is advisable to review your specific UMR health benefits plan to understand the associated costs and reimbursement rates. Additionally, it is recommended to contact UMR or log in to your online member portal to verify the eligibility and coverage details for out-of-network providers.