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Health Insurance Benefits

UMR Health Insurance

This is your go-to resource for everything related to your health insurance benefits. There are also FAQs that can be helpful to you listed at the bottom of the page. If you have questions about anything found here, please contact Nicole Mitchell at [email protected] or (515) 462-5366.

UMR App round

To visit the UMR website, go to www.umr.com or you can contact UMR at (800) 207-3172.

You can also access your UMR benefits and ID card using their mobile app, available in the Apple App Store or Google Play Store.


CARE App

UMR CARE app

The CARE App offers one-on-one support for those with ongoing health issues, including chronic illness and disease and is included with your UMR benefits. To enroll, go to go.umr.com/get-care-app or download the mobile app, available in the Apple App Store or Google Play Store.

 


HIPPA Form

Please be sure to fill out this form and return it to Nicole Mitchell. This form will allow your spouse or other family member(s) the ability to discuss your health insurance plan with our HR team.

HIPPA Form


Detailed Information About Your Health Insurance Plan

Click your plan below for detailed information about your specific UMR health insurance plan, including deductibles, out of pocket limits, and more, including some examples on how your plan might cover some types of medical care.


Find a UMR Provider

You can find a provider on UMR’s website or the UMR mobile app. Click the button for step-by-step directions on how to find a provider in the UMR network.

UMR Find a Provider


Wellness Incentives

Get preventative screenings and earn cash — click the button to learn more!

Wellness Incentive


Teladoc Health Available Through UMR

Teladoc Health – Eastern Atlantic States Carpenters Benefit FundsUMR offers Teladoc Health virtual care, giving you 24/7 access to care at an affordable cost. Download the Teladoc Health mobile app in the Apple App Store or Google Play Store.

You can also access Teladoc Health online at www.teladochealth.com.

Teladoc Health also offers a diabetes management program at no cost to you. lick the button to learn more.

Diabetes Management


OptumRX Prescriptions

Optum App round

Your health insurance includes prescription insurance, provided through OptumRx. You can download the OptumRx mobile app in the Apple App Store or Google Play Store to manage your pharmacy benefits, such as comparing drug prices, view your medications, and refill and manage your home delivery prescriptions.

OptumRx offers home delivery services and an easy payments option. Click the buttons to learn more about each of these offerings.


Frequently Asked Questions

Not sure what information you need or have a question that doesn’t fit in the areas above? Check out our frequently asked questions sections below.

UMR/Teladoc FAQs

What types of emails will I receive from UMR?

Members will receive health care reminders such as "It's time to get your annual physical" and could also receive emails from the UMR CARE team.

Are shingles and pneumonia vaccines considered preventative?

Yes, there are provided at no cost to the member.

Why can't I see my spouses claims?

If you have anyone on your plan over the age of 18, they will need to set up their own accounts and grant you access to view their claims. This is due to HIPPA.

How secure are the online portals?

The portals are very secure, especially with the two-factor authentication.

What if I haven't received a health insurance card?

You can go online or on the app and order a new one. You can also download the card and email or fax it to your provider.

How do I know if my provider is in-network?

Members can log in or use the UMR app and use the "provider finder" tool. If your provider is not listed you can call the number on the back of your card (800-207-3172) to double check. The providers themselves are responsible for listing that they are in-network with the "provider finder" tool, so remind your clinic that they do not show up.

How do I know how much my deductible is?

Your deductible and out-of-pocket maximum amounts are listed on the back of your insurance card. You can find these amounts on the UMR site or app. You can also find more information about your plan coverages on our benefit portal: www.agrilandfs.com/Benefits-Portal

I received a bill. How do I know what I'm paying for?

Before paying a bill, always be sure to log into the UMR site or app and view your claim. You can look at the EOB (Explanation of Benefits). It will break down what you were billed for as well as give you information on any negotiated prices UMR had with the doctor, how much UMR paid and the amount you are responsible for paying. 

Do my dependents need to sign up for Teladoc?

Any dependent over the age of 18 will need to create their own Teladoc account. If you have a child under the age of 18, they can use the insurance subscribers (i.e. employee) account.

Does a Teladoc visit go towards your deductible?

Yes. 


OptumRX FAQs

Do my dependents need to create their own OptumRX account?

Any dependent over the age of 13 will need to create their own accounts. There is an option on their account to grant you access to view their medications so that you can help with refilling prescriptions. Anyone under the age of 13 will appear on the insurance subscriber (i.e. employee) account. 

What payment options are available for prescriptions with OptumRX?

Credit, debit, HSA, or bank accounts are options for payment. OptumRX also offers a payment plan and can accept coupons at home delivery.

Is the OptumRX Home Delivery pharmacy in my plan's network?

Yes, it's part of your plan's pharmacy network.

Can you use Rx coupons on the OptumRX app?

OptumRX Home Delivery accepts manufacturer coupons, but they can't be added in the mobile app. Members would need to call Home Delivery to add the coupon to their profile so that it can be used on subsequent fills.

Can I use home delivery for any medication?

Use home delivery for long-term medications. See which of your prescriptions can be filled through home delivery by going online or using the app.

What postal service does OptunRX Home Delivery use and do you have to sign for the delivery?

OptumRX uses free, standard shipping through USPS, UPS, and Fedex (Overnight is usually reserved for specialty medications). Specialty medications and controlled drugs must be signed for. 

What is a long-term medication?

Long-term medications are those you take on a regular basis.

Once I've enrolled in home delivery, how long will it take to get my medication?

Medications should arrive within 5 business days after they receive the complete order.

Do I need to set up a home delivery account?

Yes. Before they can ship your first order, you need to set up your account and provide your payment method (credit, debit, or bank account). Using your account, you can go online or use the app any time to place and track orders, check prices, and more. 

If I signed up for home delivery, will they send refills before the old medication runs out?

OptumRx members can refill prescriptions when they have used 75% of medication at Retail and Retail 90. From the day it was first filled, members can order after 23 days for a 30 day supply, and after 67 days for a 90 day supply. 

OptunRX members can refill prescriptions when they have used 70% of the medication at Home Delivery. From the first day filled, members can order after 63 days at Home Delivery.

Members can also sign up for automatic refills of their Home Delivery medications.

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We have revised our Privacy Policy and Terms of Use.

Please read both of these documents as the changes affect your legal rights. By continuing you agree to these updates.