As a full-service Managing General Underwriter (MGU), UME offers underwriting, policy binding, contract issuance, premium collection, and claims payment. UME provides excellent customer service by focusing on responsiveness and flexibility to meet the needs of our partners.
Designed for employers who want
to take control of their healthcare
expenses. Groups can choose specific
coverage or combined specific and
UME’s Maximum Advantage program is a unique solution to help small employers become self-funded. It allows small group health plans the comfort of a fixed monthly payment while also reaping the benefits of self-funding.
At UME, we are highly experienced in captive arrangements. We offer multiple captive solutions for your unique needs. We arrange the fronting carrier and reinsurance while underwriting with your customized strategy.
Many colleges, universities, and even employers offer health insurance plans to students, which may be funded directly by the school or through an insurance company. UME offers these through self-funded arrangements.
The Minimum Essential Coverage (MEC) product is available to help employers provide basic coverage while meeting compliance requirements. It is designed to offer a limited medical plan in lieu of major medical coverage and can include services like preventive care, immunizations, routine imaging and laboratory services.
UME offers flexible stop-loss coverage along with a full range of services, all uniquely designed to help employers thrive through self-funding.