Our focus at UME is to provide outstanding customer service. Our Underwriting team’s high level of expertise is attributable to 50+ years of experience. We continue to develop products and solutions to fit the changing needs of our clients. We currently offer Traditional Stop-Loss, a Maximum Advantage Plan, Captives, and Student Medical.

UME’s Maximum Advantage product is designed for groups currently fully insured. It allows employers the comfort of fixed monthly payments while reaping the benefits of self-funding.

Reference-Based Pricing (RBP) helps self-funded plan and their members ensure they’re paying a fair and reasonable rate for medical care. UME will help you understand the possibilities to lower renewal rates, offer more competitive pricing and benefit you and your clients.

As a part of our commitment to you, we strive to make our premium submission process as painless as possible. If you have any questions or concerns about the policies outlined below, we are always here to give you the personalized service that you need.

Premium Payment Forms: All premium payments or adjustments must be accompanied by a Premium Submission Form.

Customized worksheets are acceptable if they include the following data:

• Coverage Period of Payment
• Census By Coverage Type 
• Rates By Coverage Type 
• Commission Rate and Amount Being Deducted (If Applicable)
• Name and Phone Number of the Person Preparing the Premium Submission Form

Any adjustments must be made within three months of the original payment. The adjustment should be itemized on a separate Premium Submission Form containing all the information required for a regular premium payment.

Due Date: Premiums are due on the first day of the month of coverage. If payments are not made within the coverage month, an Intent to Cancel letter will be sent out. If payment is not made within 45 days of the due date, the account is subject to termination without further notice. Please note that non-payment notices are not required by the policy, and, if issued, are to be construed as a courtesy extended by Underwriting Management Experts.

For more information, contact: Donna Yaun at (267) 519-1900 ext. 704, or via e-mail at Dyaun@umexperts.com

W-9 Forms: Any broker or TPA receiving or withholding commissions must submit a completed W-9 form to UME. Download a copy below.

5500 Information Form: Please click the link below.

emailpremium@umexperts.com

We want to work with you! We take our partnerships very seriously, so there are a few things you need to know about appointment and licensing with UME. Here are our requirements:

All brokers and Third Party Administrators are required to be appointed by our carrier(s) for the states in which the groups are located. This includes all entities or individuals who receive commissions or sell/assist with any contracts underwritten by UME.

Submissions for appointment should include:

• Completed TPA Questionnaire
• Copy of License in Applicable State
• E&O Policy
• Fidelity Bond

UME’s claims department is equipped to handle your claims promptly. We are devoted to creating and maintaining a solid working relationship with our partners.

UME provides a comprehensive claims kit to assist our TPAs with their claim submissions. Our experienced staff will also help by referring partners to preferred discount vendors, case managers, cancer networks, pharmaceutical specialties, transplant networks, and long-term care facilities. Let our extensive experience work for you!