How Billing Works: Step by Step
With UMP, you pay for your health care visits after your provider sends you a bill, not at the time of service (the way it works with a managed care plan). Wait until you receive an Explanation of Benefits from UMP and your doctor's bill before paying your provider. Here's a step-by-step summary of what happens after you see a provider:
1You see your doctor or other health care provider.
2The provider sends a bill to UMP.
3UMP reviews the bill and checks to see if you owe any amount toward your deductible.
4UMP subtracts the deductible amount you owe (if any) from the provider's bill and pays our share of the amount remaining.
5UMP sends the doctor a check for the amount UMP owes along with a statement showing how much UMP paid and how much you owe.
6UMP sends you a similar statement called an Explanation of Benefits (EOB). Look for the box that says "Patient responsibility." That's how much you'll owe when your provider sends you a bill. Wait for your provider's bill before paying.
7The provider sends you a bill in the mail for the amount that you owe.
8You send payment to the provider.
