Foth offers a Health Savings Account (HSA) medical plan and pays a majority portion of the total premium.   An HSA Medical Plan is an alternative to traditional health insurance; it includes a health savings bank account (see HSA Bank Account for additional information, including the wellness incentive) that enables participants to pay for current health expenses and/or save for future qualified medical and retiree health expenses on a tax-free basis.

2022 Medical Plan Summary Plan Description (SPD)

Summary of Benefits and Coverage 2023

Medical Plan Access

Medical plan questions? Contact the UMR Plan Advisors at 877-852-2545. They can assist with medical questions, claim issues, pre-certifications, or can help you find in-network providers.

Access your UMR account: umr.com

    • Access claims/EOBs
    • Update other insurance or accident details
    • Request/print an ID card
    • Find in-network providers
    • Estimate health cost expenses (Health Cost Estimator)
    • Live chat with a UMR nurse
    • Note: Starting in August 2022, you may be prompted to register with HealthSafe ID to access your UMR.com account. Use your medical ID card to locate your Member ID and Group Number (you may enter your SSN in the event your Member ID isn’t recognized). 

Find In-Network Medical Providers

UnitedHealthcare Choice Plus Network
Search for in-network medical and behavioral health providers

UnitedHealthCare Options PPO Network (Participants residing in Dane and Rock, WI counties)
Search for in-network medical and behavioral health providers

Premium Designations:   Consider a physician who meets the UnitedHealth Premium program for quality and cost-efficient care criteria, noted as: .  Also, by clicking on the physician’s name, you can view estimated costs for services under the “Services & Costs” tab.

Understand the costs:  Different providers may charge different amounts for the services they offer. Your search results will give you a range of the average costs for preventive care or medical procedures in your area. And the individual provider listings show whose costs are below, above, or meet the local average.  If a procedure typically includes multiple steps of treatment, you can review the total cost and your estimated out-of-pocket cost for each step. So you’ll know what to expect, from start to finish.  Your estimated out-of-pocket costs are personalized to you, based on your own benefit plan’s deductible, annual out-of-pocket max, co-pay, co-insurance and how much you’ve paid toward your deductible.

Notice on payment of out-of-network providers

Medical Claims

Other Medical Insurance: Whether or not you have other insurance, all Foth medical plan participants must update “Other Medical Insurance” information every 12 months to help avoid denied claims.  To update, simply call UMR at 866-586-0613 (toll-free) or visit umr.com.

Accident Details: If a claim is denied and requires updated accident details, call UMR at 888-291-3774 or visit umr.com.

Reimbursement: Complete the Medical Reimbursement Claim Form for medical expenses not processed through insurance

Claim Appeal Request: Post-Service Appeal Request Form

Medical Premiums (Per Paycheck)

 2022   Full-time Members   Part-Time Members
  Single   $50.51   $55.56
  Family   $152.74   $166.31
  Family w/ Working Spouse*   $202.74   $216.31
 2023   Full-time Members   Part-Time Members
  Single   $51.52   $56.67
  Family   $159.26   $173.10
  Family w/ Working Spouse*   $209.26   $223.10

*Working Spouse is defined as a spouse/domestic partner who is offered insurance through his/her employer, but chooses to be primary on Foth’s plan. Refer to the Medical Coverage Eligibility Form for additional information.

Premium Rates assume Health Assessment participation. Failure to complete the Health Assessment will result in an additional per paycheck premium of $10 for single plans and $20 for family plans. New hires are waived until the next upcoming testing period and will receive the Health Assessment premium rate and wellness incentive for the first calendar year.

Additional Medical Information

Affidavit of Domestic Partnership

Common Law Marriage Affidavit

Preventive Care List Overview

UMR Granting Access for Family Members Accounts

Plan Advisors

Just Plain Clear® Health Care Term Glossary | UnitedHealth Group

Care Management

Plot a Course to Healthy Change – Action Plan

UnitedHealthcare Hearing Member Flyer – Discounted hearing aid program available for medical participants

Through UnitedHealthcare, UMR creates and publishes the Machine-Readable Files on behalf of Foth. Transparency in Coverage United HealthCare

Medicare Information:  Medicare Options Booklet & Medicare Made Clear
Medicare Overview Video from Francis Investment Counsel
 (4 minutes)

UMR Maternity Management: If you are thinking about having a baby or are already expecting, we invite you to sign up for UMR’s maternity management service.  Enrolling in this program can help you learn how healthy lifestyle choices and proper medical care before and during your pregnancy can boost your odds of having a healthy, full-term baby.  As part of this free program, you can earn a $25 reward card for signing up in the first or second trimester.  Maternity Management Self-Enrollment: Maternity Management or call UMR at 877-852-2545. Maternity Management Flyer

UMR Treatment Decision Support:  Your medical benefits include access to specially trained registered nurses who can help you review your options when the choice isn’t clear. Their job is to give you the information you need to feel comfortable working with your doctor to pick a plan that fits your personal treatment needs.  Treatment Decision Support


To set up your Teladoc® account and start using the benefit today, visit teladoc.com, call 1-800-teladoc (1-800-835-2362) or download the app.

General Medicine: All medical plan participants have the option to access a national network of U.S. board-certified physicians through Teladoc®.  Doctors and pediatricians can treat flu, allergies, sinus infections, rash, strep throat, and more.  This service is available 24/7.  If needed, a physician can send a prescription to a nearby pharmacy.  There is no premium for this benefit, just a per-visit charge. If you are ever displaced by a natural disaster, Teladoc provides free telehealth appointments, visit teladoc.com/disaster-hotline/.

General Medicine: $49

Dermatology: Dermatologists can treat issues such as psoriasis, eczema, acne, and more. Appointments must be scheduled and typically at least two visits are needed.

Dermatology: $85

Mental Health: Taking care of your mental health is an important part of your overall well-being. With Teladoc’s mental health benefit, children over age 13 (with parental consent, no prescriptions available for adolescents age 13-17) and adults 18 and older can get care for anxiety, depression, grief, family issues, and more. Choose to see a psychiatrist, psychologist, social worker, or therapist and establish an ongoing relationship. Please note that Teladoc doesn’t offer a crisis hotline and appointments must be scheduled in advance.  (When you or your family member want a more immediate consultation, consider using our employee assistance program, LifeWorks, for 24/7 care support.)

Scheduling a phone or video visit with a Teladoc therapist is easy and convenient. You can make an appointment using either the Teladoc app or the Teladoc website (use medical ID number to register new accounts). Appointments are confirmed within 72 hours. The costs for appointments are listed below.  The appointment cost applies to your medical plan and you can pay for your appointment using your health savings account if you prefer.

Initial evaluation: $200-220
Sessions: $90-220, based on type of provider (Psychiatrist, Psychologist, licensed clinical social worker, counselor, or therapist)
Note: A charge of $50 may apply for no-shows and cancellations within 24 hours of a scheduled visit.

Real Appeal®

All Foth medical plan participants (member, spouse, and dependents over age 18) have the opportunity to enroll in an online weight loss program called Real Appeal® at no additional premium cost or deductible. Real Appeal can help you lose excess weight, no matter how much you want to lose, and reduce your risk of developing chronic conditions like diabetes and cardiovascular disease.  It’s a step-by-step online program designed to help you get on the fast track to lasting weight loss without turning your life upside down.  This­ program focuses on making small changes to help you live a healthier life. On­ average, most participants lose 10 pounds after attending just 4 online classes.

Depending on your needs, a personal weight-loss coach will customize a plan specific to your health goals, fitness level and lifestyle. Plus, this support will be provided for an entire year.  When you enroll in Real Appeal you receive:

    • Up to a year of support from a Transformation Coach
    • 24/7 access to convenient digital tools and dashboards that help you track your food, activity, and weight
    • A Success Kit full of weight management tools including fitness guides, a recipe book, weight scale, food scale, and more
    • Support from weekly online group classes


Contact Benefits@foth.com