UMP Classic pays its share based on medical benefit coinsurance (85 percent of the allowed amount for providers that accept Medicare). See also the “Diabetes care supplies” benefit for more information. What UMP Classic covers that Medicare does not FOR MEDICARE RETIREES: Services listed below are paid at the standard rate. You will pay more if you use out-of-network providers for these services. UMP Classic covers some services that Medicare does not cover. For these services, it does not matter if the provider accepts Medicare, because Medicare does not cover the service. You will receive the highest level of benefit if you choose a preferred provider. Services listed below are not covered by Medicare, but they are covered by UMP Classic. Out-of-network providers may balance bill you. Services not covered by Medicare Part A or Part B include, but are not limited to: • Hearing aids. • Hearing exams for getting a hearing aid. • Massage therapy (a massage therapist must be a preferred provider). • Naturopathic medicine. • Prescription drugs (see “Use network pharmacies that bill Medicare Part B directly” on page 132 for exceptions). • Routine vision exams and hardware. (Medicare covers medical vision exams and vision hardware following cataract surgery.) • Services outside of the U.S. (see the “Services received outside the United States” section for details). • Wigs for cancer patients (see page 48). If you see a preferred provider, they will submit the claim for you. For out-of-network providers, check if the provider will submit the claim. If not, you will need to send a claim to UMP Classic. See the “Billing and payment: submitting a claim” section. When to see a preferred provider FOR MEDICARE RETIREES: Preferred providers do not necessarily accept Medicare. You should always ask. To find preferred providers outside the U.S., see page 23. Type of service Higher benefits with UMP Important information preferred provider? Services covered by Medicare No You should see a provider who accepts Medicare. See “When providers do not accept 130 2024 UMP Classic (PEBB) Certificate of Coverage