Uniform Medical Plan

Learn about the Uniform Medical Plan (UMP) plans, administered by Regence BlueShield and ArrayRx. What's new for 2025 or watch the video: English | español

On this page: Full benefits | Summary of benefits | Costs | Find providers | Plan options | About UMP
Return to Medical plans and benefits: Retirees | PEBB Continuation Coverage

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Full benefits

The following documents—called a Certificate of Coverage (COC)—provide in-depth descriptions of the health care benefits for each plan.

2025

• UMP Classic COC (2025)
• UMP Consumer-Directed Health Plan (CDHP) COC (2025)
• UMP Select COC (2025)
• UMP Plus–Puget Sound High Value Network (PSHVN) COC (2025)
• UMP Plus–UW Medicine Accountable Care Network (UW Medicine ACN) COC (2025)

2024

• UMP Classic COC (2024)
• UMP Consumer-Directed Health Plan (CDHP) COC (2024)
• UMP Select COC (2024)
• UMP Plus–Puget Sound High Value Network (PSHVN) COC (2024)
• UMP Plus–UW Medicine Accountable Care Network (UW Medicine ACN) COC (2024)

Summary of benefits

The following documents—called a Summary of Benefits and Coverage (SBC)—provide summaries of what each plan covers and what it costs.

2025

• UMP Classic SBC (2025)
• UMP Select SBC (2025)
• UMP CDHP SBC (2025)
• UMP Plus–Puget Sound High Value Network (PSHVN) SBC (2025)
• UMP Plus–UW Medicine Accountable Care Network (UW Medicine ACN) SBC (2025)

2024

• UMP Classic SBC (2024)
• UMP Select SBC (2024)
• UMP CDHP SBC (2024)
• UMP Plus–Puget Sound High Value Network (PSHVN) SBC (2024)
• UMP Plus–UW Medicine Accountable Care Network (UW Medicine ACN) SBC (2024)

Costs

2025

• Retiree monthly premiums (2025)
• PEBB Continuation Coverage monthly premiums (2025)

2024

• Retiree monthly premiums (2024)
• PEBB Continuation Coverage monthly premiums:
  • COBRA and Unpaid Leave (2024)
  • Employer Group Ended Participation (2024)

Find providers

Use one of Regence's provider directories.

• UMP Classic
• UMP Select
• UMP CDHP
• UMP Plus–Puget Sound High Value Network
• UMP Plus–UW Medicine Accountable Care Network

Plan options 2025

UMP Classic

UMP Classic uses Regence BlueShield’s largest network of providers, but has a lower deductible than UMP Select and UMP Consumer-Directed Health Plan (CDHP). For most services, you can see a specialist without a referral. With UMP Classic, you pay $0 for covered preventive care when you see a network provider.

The plan also covers the full cost of programs like tobacco cessation, and if you qualify, the diabetes prevention or diabetes management programs. You will also have 24/7 access to on-demand virtual care.

For prescription drugs, once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived.

Annual costs

• Medical deductible: $250 individual | $750 family
• Prescription drug deductible: $100 individual | $300 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Classic is available in all Washington counties and nationwide. Visit plans by county for retirees or PEBB Continuation Coverage.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

UMP Select

UMP Select uses Regence BlueShield’s largest network of providers. The plan offers a lower monthly premium than UMP Classic and UMP Plus, but has a higher coinsurance (the amount you pay your provider) than other UMP plans. For most services, you can see a specialist without a referral.

With UMP Select, you pay $0 for covered preventive care when you see a network provider. The plan also covers the full cost of programs like tobacco cessation, and if you qualify, the diabetes prevention or diabetes management programs. You will also have 24/7 access to on-demand virtual care.

For prescription drugs, once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived.

Annual costs

• Medical deductible: $750 individual | $2,250 family
• Prescription drug deductible: $250 individual | $750 family
• Medical out-of-pocket limit: $3,500 individual | $7,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Select is available in all Washington counties and nationwide. Visit plans by county for retirees or PEBB Continuation Coverage.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and you medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP CDHP

UMP CDHP uses Regence BlueShield’s largest network of providers. UMP CDHP covers the same services as UMP Classic, but has a lower monthly premium and a higher deductible.

When you enroll in UMP CDHP, you are automatically enrolled in a health savings account (HSA) through our HSA partner HealthEquity who manages the account. This allows you to set aside pre-tax money to pay for qualified medical expenses, including prescription drugs and more. Visit HealthEquity or watch their on-demand webinar to discover the many uses for your HSA. Additionally, the State of Washington contributes $700.08 for one person and $1,400.04 for a family annually, which is distributed throughout the plan year. Once the money is in your account, it’s yours, and there is no deadline to use it.

For most services, you can see a specialist without a referral. With UMP CDHP, you pay $0 for covered preventive care services when you see a network provider. The plan also covers the full cost of programs like tobacco cessation and, if you qualify, the diabetes prevention or diabetes management programs. You will also have 24/7 access to on-demand virtual care. For most prescription drugs, you will pay 15% coinsurance at a network pharmacy after you have met your deductible.

Annual costs

• Medical deductible: $1,650 individual | $3,300 family
• Medical out-of-pocket limit: $4,200 individual | $8,400 family (An individual on family coverage will not have their out-of-pocket limit exceed $7,000)

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care services when you see a network provider.
• 24/7 access to on-demand virtual care.
• Pay 15% coinsurance (for most prescription drugs) at a network pharmacy after you have met your deductible. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP CDHP is available in all Washington counties and nationwide. Visit plans by county for retirees or PEBB Continuation Coverage.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

UMP Plus–Puget Sound High Value Network

UMP Plus–PSHVN is a network of providers offering high quality, coordinated care at a lower cost. You pay $0 for office visits with network primary care providers, including pediatricians. The UMP Plus–PSHVN network is a limited network compared to UMP Classic, UMP Select, and UMP CDHP. To enroll in this plan, you must live in King, Kitsap, Pierce, Snohomish, or Yakima county.

UMP Plus has a lower deductible than UMP Classic while offering most of the same benefits. For most services, you can see a specialist without a referral, and you pay $0 for covered preventive care services when you see a network provider. The plan also covers the full cost of programs like tobacco cessation and, if you qualify, the diabetes prevention or diabetes management programs.

Visit the UMP Plus–PSHVN website to learn more about the network. For prescription drugs, there is no prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier.

Annual costs

• Medical deductible: $125 individual | $375 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• Pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialist without a referral, for most services.
• No prescription drug deductible.
• You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

Visit plans by county for retirees or PEBB Continuation Coverage.

This plan is available if you live in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Yakima

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

UMP Plus–UW Medicine Accountable Care Network

UMP Plus–UW Medicine ACN is a network of providers offering high quality, coordinated care at a lower cost. You pay $0 for office visits with network primary care providers, including pediatricians. The UMP Plus–UW Medicine ACN network is a limited network compared to UMP Classic, UMP Select, and UMP CDHP.

To enroll in this plan, you must live in Benton, Franklin, King, Pierce, Skagit, Snohomish, Spokane, or Thurston county. UMP Plus has a lower deductible than UMP Classic while offering most of the same benefits. For most services, you can see a specialist without a referral, and you pay $0 for covered preventive care services when you see a network provider. The plan also covers the full cost of programs like tobacco cessation and, if you qualify, the diabetes prevention or diabetes management programs.

Visit the UMP Plus–UW Medicine ACN website to learn more about the network. For prescription drugs, there is no prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier.

Annual costs

• Medical deductible: $125 individual | $375 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• Pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialist without a referral, for most services.
• No prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

Visit plans by county for retirees or PEBB Continuation Coverage.

This plan is available if you live in these counties:

• Benton
• Franklin
• King
• Pierce
• Skagit
• Snohomish
• Spokane
• Thurston

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

Plan options 2024

UMP Classic

UMP Classic uses Regence BlueShield’s largest network of providers, but has a lower deductible than UMP Select and UMP Consumer-Directed Health Plan (CDHP).

Annual costs

• Medical deductible: $250 individual | $750 family
• Prescription drug deductible: $100 individual | $300 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• 24/7 access to on-demand virtual care.
• Vision benefit brochure
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Classic is available in all Washington counties and nationwide. Visit plans by county for retirees or PEBB Continuation Coverage.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

UMP Select

UMP Select uses Regence BlueShield’s largest network of providers. The plan offers a lower monthly premium than UMP Classic and UMP Plus, but has a higher coinsurance (the amount you pay your provider) than other UMP plans.

Annual costs

• Medical deductible: $750 individual | $2,250 family
• Prescription drug deductible: $250 individual | $750 family
• Medical out-of-pocket limit: $3,500 individual | $7,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care when you see a network provider.
• Vision benefit brochure.
• Once the prescription drug deductible is met, you will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. For Value Tier and Tier 1 prescription drugs, the deductible is waived. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP Select is available in all Washington counties and nationwide. Visit plans by county for retirees or PEBB Continuation Coverage.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area, and you medical plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address to your payroll or benefits office no later than 60 days after your move.

UMP CDHP

UMP CDHP uses Regence BlueShield’s largest network of providers. UMP CDHP covers the same services as UMP Classic, but has a lower monthly premium and a higher deductible.

When you enroll in UMP CDHP, you are automatically enrolled in a health savings account (HSA) through our HSA partner HealthEquity who manages the account. This allows you to set aside pre-tax money to pay for qualified medical expenses, including prescription drugs and more. Visit HealthEquity or watch their on-demand webinar to discover the many uses for your HSA. The State of Washington contributes annually to the account on an individual or family basis. Once the money is in your account, it’s yours, and there is no deadline to use it.

Annual costs

• Medical deductible: $1,600 individual | $3,200 family
• Medical out-of-pocket limit: $4,200 individual | $8,400 family (An individual on family coverage will not have their out-of-pocket limit exceed $7,000)

Key features

• See a specialist without a referral, for most services.
• Pay $0 for covered preventive care services when you see a network provider.
• Vision benefit brochure.
• 24/7 access to on-demand virtual care.
• Pay 15% coinsurance (for most prescription drugs) at a network pharmacy after you have met your deductible. Prescription drug benefit information.
• Centers of Excellence program for Knee or hip replacement and spine care.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

UMP CDHP is available in all Washington counties and nationwide. Visit plans by county for retirees or PEBB Continuation Coverage.

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

UMP Plus–Puget Sound High Value Network

UMP Plus has a lower deductible and monthly premium than UMP Classic while offering most of the same benefits. UMP Plus–PSHVN is a network of providers offering high quality, coordinated care at a lower cost. The UMP Plus–PSHVN network is a limited network compared to UMP Classic, UMP Select, and UMP CDHP. Visit the UMP Plus–PSHVN website to learn more about the network. Make the switch to UMP Plus–PSHVN.

Annual costs

• Medical deductible: $125 individual | $375 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features of the plan

• Pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialist without a referral, for most services.
• Vision benefit brochure.
• No prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

Visit plans by county for retirees or PEBB Continuation Coverage.

This plan is available if you live in these counties:

• Chelan
• Douglas
• King
• Kitsap
• Pierce
• Snohomish
• Yakima

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

UMP Plus–UW Medicine Accountable Care Network

UMP Plus has a lower deductible and monthly premium than UMP Classic while offering most of the same benefits. UMP Plus–UW Medicine ACN is a network of providers offering high quality, coordinated care at a lower cost. The UMP Plus–UW Medicine ACN network is a limited network compared to UMP Classic, UMP Select, and UMP CDHP. Visit the UMP Plus–UW Medicine ACN website to learn more about the network. Make the switch to UMP Plus–UW Medicine ACN.

Annual costs

• Medical deductible: $125 individual | $375 family
• Medical out-of-pocket limit: $2,000 individual | $4,000 family
• Prescription drug out-of-pocket limit: $2,000 individual | $4,000 family

Key features of the plan

• Pay $0 for office visits with network primary care providers, including pediatricians.
• See a specialist without a referral, for most services.
• Vision benefit brochure.
• No prescription drug deductible. You will pay a coinsurance amount at a network pharmacy, which is determined by the drug’s tier. Prescription drug benefit information.
• Full cost covered for tobacco cessation and diabetes prevention programs, if you qualify.

Available counties

Visit plans by county for retirees or PEBB Continuation Coverage.

To enroll in this plan, you must live in these counties:

• Benton
• Franklin
• King
• Pierce
• Skagit
• Snohomish
• Spokane
• Thurston

In most cases, you must live in a medical plan’s service area to join the plan. If you move out of your plan's service area and your plan is no longer available, you must change plans. If you do not, the PEBB Program will enroll you in one. You must report your new address and any request to change plans to the PEBB Program no later than 60 days after your move.

About UMP

Uniform Medical Plan (UMP) is a collection of high-quality, self-insured preferred provider organization (PPO) health plans and accountable care plans offered through Washington State’s Public Employees Benefits Board (PEBB) Program. UMP is administered by Regence BlueShield and ArrayRx.

UMP is ready to meet your health care needs with several affordable plan options. All plans pay for covered preventive services like annual checkups, and certain screenings and vaccines at no cost to you when you see a network provider.

When you choose a UMP plan, you get an active partner in your health care and a dedicated service team available to answer your questions quickly and help you make the most of your benefits.

Learn more about all PEBB UMP plans

To learn more about UMP's plans and benefit options, view the recorded UMP (PEBB) Open Enrollment online webinar.