Medical

IPFF Trust medical coverage is administered through UnitedHealthcare (UHC) with three HSA-eligible Consumer-Directed Health Plan (CDHP) options — Lowest, Medium, and Highest Deductible — all on the UnitedHealthcare Choice Plus network. Choose the plan that fits your family and budget. Prescription drug coverage lives on its own page — see Prescription & Specialty Pharmacy under Benefits. Everything below is for the 2027 plan year.

Your UnitedHealthcare ID card

Group Name
IPFF Health and Wellness Trust
Group #
936222
Member Services
(833) 313-2661
Website
myuhc.com
Medical Claims
PO Box 740809, Atlanta, GA 30374-0809
Showing the 2027 plan year.

What you pay per paycheck.

Premium rates are specific to your group, so they live behind a secure member login rather than on this public page. The plan design, deductibles, and coverage shown here are the same for every group.

  • Active and retiree per-paycheck premiums for all three plans
  • Rates specific to your group

Not a member yet? A prospective public safety entity, including a fire department, police department, EMS, or fire district/territory, can request a custom quote from the Contact page.

Compare the three medical plans.

Deductibles are embedded and combined across in- and out-of-network. Out-of-pocket max includes the deductible.

Comparison of the three medical plans
Benefit Lowest Deductible CDHP Medium Deductible CDHP Highest Deductible CDHP
Annual Deductible — Individual Combined in & out of network $3,500 $3,850 $4,750
Annual Deductible — Family Combined in & out of network $6,800 $7,700 $9,500
Coinsurance In 80/20 · Out 70/30 In 80/20 · Out 70/30 In 80/20 · Out 70/30
Out-of-Pocket Max — Individual In $4,500 · Out $8,000 In $5,500 · Out $8,000 In $7,500 · Out $10,000
Out-of-Pocket Max — Family In $9,000 · Out $16,000 In $11,000 · Out $16,000 In $15,000 · Out $20,000
Preventative Care Out-of-network: deductible & coinsurance In-network: covered in full In-network: covered in full In-network: covered in full
PCP / Specialist Visit Deductible & coinsurance Deductible & coinsurance Deductible & coinsurance
Emergency Room Out-of-network paid as in-network Deductible & coinsurance Deductible & coinsurance Deductible & coinsurance
Urgent Care Deductible & coinsurance Deductible & coinsurance Deductible & coinsurance

Plan resources

Marathon Health — your wellness clinic.

Marathon Health provides no- and low-cost primary and wellness care to eligible members and families — a covered clinical benefit, not a buried document. Visit for checkups, chronic-condition management, and more.

Schedule an appointment: call 317-559-2185 or visit my.marathon.health. Use your UHC ID card at the point of service.

Outside Indianapolis? Find a Marathon Health center near you.

Download the Marathon Health guide (PDF)

Marathon Health resources