Health (Illinois/Outside of Wisconsin)
How do I find an in-network provider (UMR)?
To locate an in-network provider,
CLICK HERE.
For help determining which network service area you are in, see the
2025 HSHS Benefits Guide.
If you have a dependent who lives outside of the network area, such as a child attending college, you can register your dependent with UMR after you receive your ID card. Call UMR to get started (1-800-221-6346). Once your dependet is registered, they will receive the HSHS Extended benefit level for all in-network services.
When does health insurance coverage begin?
Your coverage will begin on the 1st of the month on or after your hire date. This applies if you are a newly hired colleague or have transferred from a PRN position to a benefits-eligible position. Coverage for your dependents begins on the same day as your coverage as long as you have enrolled them for health insurance.
If I do not enroll by my enrollment deadline, what coverage will I have?
If you are a new hire and you do not enroll by your enrollment deadline, you will have the following coverage by default:
- Basic Life and AD&D insurance
- Short-Term Disability Coverage
- Long-Term Disability Coverage
What about emergency room care?
You will have a $100 copayment for emergency services. This is in addition to your deductible and coinsurance for the medical plan option you select.
What if I need care from a non-network provider?
Out-of-network services will not be covered unless you first obtain a referral from your provider and prior authorization from URM. Your provider will need to submit a referral request to UMR. If you have questions about the referral process, contact UMR at 1-800-221-6346.