Facility charges for emergency room treatment are covered for diagnosis and treatment of an illness or injury covered by UMP. Charges for professional services (provided by doctors and other provider types) may be billed separately from facility charges. UMP pays these professional services based on the provider’s network status, payment rules, and service provided.

You must pay a separate $75 copayment for each emergency room visit, in addition to any enrollee coinsurance or amount owed towards your medical deductible.

Some hospital-based physicians (such as anesthesiologists and emergency room doctors) who work in a network hospital or other facility may not be UMP network providers. If a non-network provider bills separately from the hospital and his or her billed charges exceed the UMP allowed amount, you may be billed for the difference. 

If you are admitted to the hospital as an inpatient directly from the emergency room,  the $75 emergency room copayment is waived. However, you must pay the inpatient hospital copayment.