Use this page anytime you need care. Start with the type of care below, or jump straight to what you need.
Digital Navigator: Signature Plan
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Primary care is where most care begins.
Use it for checkups, common illnesses, prescriptions, and help deciding what to do next. This typically includes a primary care physician, OBGYN for women, or pediatrician for children.
Doctors with Waived Copays
Doctors participating in THT’s “Health Investment” program feature waived copays and access to quicker appointments.
Primary Care Doctors with Waived Copays
Pediatricians with Waived Copays
OB/GYN with Waived Copays
Search the Entire Network
You can also see any doctor in the United Healthcare (UHC) network; however, these visits will incur a $15 copay. Any services not part of a standard office visit are subject to the deductible and 20% coinsurance.
If your provider isnt in our network, don’t worry — your visits with them will still be covered for up to 12 months, giving you plenty of time to decide whether to continue with them or transition to a new in-network provider.
Annual Preventive Care (Copay Waived)
Preventive care is covered at 100% for when performed by an in-network provider. Preventive care services vary by age and gender. We recommend speaking with your provider to determine which are recommended for you and your family.
- Physical examinations
- Pelvic examinations and pap smears
- Hearing and vision screenings
- Mammograms
- Cardiovascular screening blood tests
- Vaccinations and immunizations recommended by your physician
- BRCA1 and BRCA2 when medically indicated
- Prostate cancer screening (digital rectal examination)
- Nutritional Counseling
ColoGuard is Not Covered
Cologuard is currently excluded on your plan. Quest offers an at-home colorectal cancer screening test called “InsureONE“. If opting for a non-invasive screening, you must use Quest to receive the $0 benefit.
Behavioral health supports your mental and emotional well-being.
Use behavioral health care for therapy, counseling, and help with stress, anxiety, depression, or other mental health concerns. This includes seeing a therapist or psychologist for talk therapy, and a psychiatrist for medication management when needed. There are no limits to the number of sessions.
Therapy with Waived Copays
Doctors participating in THT’s “Health Investment” program feature waived copays and access to quicker appointments.
Search the Entire Network
You can also see any behavioral health provider in the United Healthcare (UHC) network; however, these visits will incur a $10 copay. Any services not part of a standard office visit are subject to the deductible and 20% coinsurance.
Autism Assessments and Care Plans ($100 copay)
THT has partnered with Dr. Michelle Zochowski-Tullio to provide initial workups and care plans for children. Contact Dr. Michelle Zochowski-Tullio directly:
8687 W. Sahara Ave Suite 201
Las Vegas, NV 89117
Call/Text: (702) 867-8798
MZochowski-Tullio@lvvmh.com
Free, 24/7 Virtual Care with MDLive
MDLive offers virtual primary care, urgent care, dermatology, talk therapy, and psychiatry—all covered 100% on THT medical plans.
Free, 24/7 Nurse Advice Phone Line
Speak to a registered nurse (available 24/7, free-of-charge) for advice on the appropriate place to seek care.
Urgent care is for quick, non-emergency care.
It can treat many of the same conditions as an ER, but is usually faster and more affordable.
In-Home Urgent Care Visit (Waived Copay)
Use when you’d like Urgent Care to come to you. The house call team arrives at your door. Appointments are typically available same day or next day.
- DoctorRoo – (888) 888-9930
- IncrediCare – (725) 867-8144
Orthopedic Urgent Care (Waived Copay)
Bone, muscle, or joint injury? You don’t have to go to the ER any more for most of these! Instead, visit the Nevada Orthopedic and Spine Center’s Fast Track Clinic. Walk-ins and appointments accepted, even on Saturdays! Make an appointment online or by calling (702) 878-0393.
24-hour Urgent Care ($30 Copay)
Search Urgent Care Facilities ($30 copay)
Use when you’re not suffering from a life-threatening condition and would traditionally seek care from your primary care provider (e.g. acute illnesses, sprains, minor burns, cold, and flu).
Need an urgent care not in your Area?
If you reside or travel outside of your area, you can utilize any accredited urgent care facility and pay only your standard $30 copay. We recommend using an online search tool to find urgent cares near you.
Specialists help with specific health conditions
You may be referred by your primary care provider, or you can search directly for a specialist in our network. THT does not require a referral to see a specialist, however, the specialist may require one. These visits have a $30 copay. Any additional services beyond a standard office visit are subject to the deductible and 20% coinsurance.
Common types of specialists: Acupuncturist, Allergist/Immunologist, Cardiologist, Chiropractor, Dermatologist, Endocrinologist, Gastroenterologist (GI), Hematologist, Infectious Disease Specialist, Nephrologist, Neurologist, Oncologist, Ophthalmologist, Orthopedic Specialist, Otolaryngologist (ENT), Pain Management Specialist, Podiatrist, Pulmonologist, Rheumatologist, Sleep Specialist, Sports Medicine Specialist, Urologist.
Specialists with Waived Coinsurance ($30 Copay)
Dermatology
Sleep Specialist
Endocrinology
Specialists with Waived Copays
Physical Therapy
Cardiology
Oncology & Hematology
Need another perspective before a big decision?
With the MyCareChoices second opinion benefit, you can get a virtual review of your medical situation from experienced specialists. This service helps you explore treatment options, confirm diagnoses, and make more confident care decisions — all without extra appointments or travel. It’s covered 100% on your plan.
Hospitals & ERs are your most expensive care option.
Before checking in, consider talking to a healthcare professional first. One call might save you hundreds (or thousands) of dollars. Emergency rooms should only be used for life-threatening emergencies. You can save over $600 by going to an urgent care or a provider office.
When you visit the emergency room, you have a deductible, copay, and coinsurance. For your first ER visit of the year (resets January 1), your copay is $300 after deductible. All subsequent visits for the year have a copay of $750. Plus, you’ll pay 20% of all the testing and doctor bills associated with the visits. Therefore, a single visit to the ER can easily cost you over $1,000 out of pocket.
Find a Hospital
Find a Surgery Center
Need an emergency facility not in Clark County?
You can utilize any accredited emergency care facility and pay only your standard Emergency Room copay ($350 for the first visit per calendar year, $750 for all subsequent visits) and physician bills (20% after deductible). In a life-threatening emergency, we recommend calling 911 or using an online search tool to find your nearest emergency room.
Need another perspective before a big decision?
With the MyCareChoices second opinion benefit, you can get a virtual review of your medical situation from experienced specialists. This service helps you explore treatment options, confirm diagnoses, and make more confident care decisions — all without extra appointments or travel. It’s covered 100% on your plan.
Dental Plans and Covered Dentists
The dental networks are managed by Cigna. Select your plan to find a provider. For further information on dental benefits, please visit the dental coverage page.
Try the new Virtual Dental Care options! Members on either plan have access to live virtual dentist consultations and instant photo assessments of your dental health.
Can’t remember which plan you’re on? Sign in to view your current plans.
Visit my.cigna.com or Download the Cigna app to:
- Access Digital ID Cards
- View benefits and claims
- Search for in-network providers
- Request costs of care estimates
- Update your Network General Dentist (DHMO only)
Find a Vision Doctor
The vision network are managed by VSP. For further information on dental benefits, please visit the vision coverage page.
Visit VSP.com or Download the VSP App to:
- View Your Benefit Coverage
- View Claims
- Find a Doctor
- Submit Out-of-Network expenses for partial reimbursement
- Get Exclusive Member Extras
- Shop eyewear, contacts, and plans
Premier Pharmacies
Fill your prescriptions at any of these Premier pharmacies without any additional Choice Fees. To find a location, click on any of the logos below.
Similarly, you may fill your prescriptions at any of these mail-order pharmacies without any additional Choice Fees. To use these services, click on any of the logos below.
Which Medications Are Covered
The list of all the medications covered is called the formulary. CerpassRx manages THT’s formulary and recommends updates every six months as new medications appear on the market. Use the online formulary to determine which medications are covered and at what tier. For all non-covered medications, a list of covered alternatives is available. Consult with your provider to see if these covered alternatives may be right for you.
Check Authorization Status
Prior Authorization encourages safe, cost-effective medication use by allowing coverage when certain conditions are met. Prior Authorizations in most cases are approved for a specific time period and maybe subject to continuous evaluation. Check the status of your prior authorization using the online portal.
Prescription Benefits - How it Works
Your prescription cost depends on what type of medication you take, how long your supply is, and where you fill your prescription.
Using a Premier or mail-order pharmacy will usually cost you the least.
If you fill prescriptions at non-premier pharmacies like CVS or Walgreens, or at other retail pharmacies, extra “Choice Fees” apply in addition to your regular copay or coinsurance.
| Non-Specialty Prescription Drug Benefits¹ | Premier & Mail-Order Pharmacies See list below² |
||
|---|---|---|---|
| Tier 1 — Generic
1-34 day supply / 35-90 day supply |
$15 copay / $40 copay³ | $15 Copay / $40 Copay³ (+$25 Choice Fee) | $15 Copay /$40 Copay³ (+$10 Choice Fee) |
| Tier 2 — Preferred Formulary Brand
1-34 day supply / 35-90 day supply |
25% of the cost, $100 max copay / $300 max copay | 25% of the cost, $100 max copay / $300 max copay (+$32 Choice Fee) | 25% of the cost, $100 max copay / $300 max copay (+$10 Choice Fee) |
| Tier 3 — Non-Preferred Brand | |||
| Specialty Prescription Drug Benefits¹ | Mail-Order Pharmacies See list below² |
||
| Tier 1 — Generic | |||
| Tier 2 — Preferred Formulary Brand | |||
| Tier 3 — Non-Preferred Brand |
(1) Select products are eligible for a coinsurance assistance program. There is no copay for these products, and they do not accumulate toward the out-of-pocket maximum. For more information contact THT at 702-794-0272, Option 1. (2) Prescriptions filled at pharmacies other than THT’s Premier Pharmacies will incur additional Choice Fees in addition to applicable copays. (3) If the generic cost of the medication is less than the copay, the individual will be responsible for that lesser amount. (4) For more information about this service, please contact CerpassRX at 844-622-1797.
Exclusive Lab and Imaging Providers
Signature Plan members that utilize the following providers for labwork and imaging, respectively, to receive the $0 copay benefit. Any costs incurred by lab work or imaging services performed by providers other than these partners will be the $0 after deductible. In the event Quest or SDMI cannot perform the necessary service, have your provider submit a prior authorization request to UMR. If approved, the services will be covered at 80% after deductible.
Ask Your Doctors to Send Labs to Quest
Sometimes doctors don’t tell you where they are sending your labs. We recommend always asking your doctors (including primary care, urgent care doctors, and specialists) where they are sending your labs. You can also request of a copy of the lab form for your records. Your labs are only covered if they provider uses Quest. LabCorp, ColoGuard/Exact Sciences Laboratories, and all other labs are not covered.
Urgent Care X-Rays
Several urgent cares (such as Southwest Medical and UMC Quick Cares) have x-ray capabilities. If you receive x-rays as part of your urgent care visit, they are covered with no additional copay (only your standard $30 urgent care copay).
Emergency / Hospital Labs and Imaging
If you are in the emergency room or hospital, it likely is not possible to use Quest Diagnostics or Steinberg Diagnostic Medical Imaging for labwork and imaging, respectively. Rest assured, hospital lab and imaging services are covered, however, you will pay the deductible and 20%.
Traveling Outside Clark County? You’re Still Covered for Urgent Care & Emergencies
If you’re traveling outside of Clark County, Nevada, you can still get care when you need it.
What care is covered while you’re away?
When you’re outside Clark County, your plan covers urgent care and emergency services at any accredited urgent care center or emergency room—no special network required.
What will I pay?
You’ll pay your standard plan copays:
- Urgent Care: $30 copay
- Emergency Room (ER):
- $300 copay for your first ER visit of the calendar year after your deductible
- $750 copay for each additional ER visit in the same calendar year
- Plus 20% coinsurance for doctor services and testing after your deductible
These costs are the same whether you’re in Nevada or traveling anywhere in the world.
How do international claims work?
Only urgent and emergent care is covered at international doctor offices and facilities. It is likely you will be required to pay the entire amount due at the time of service. Then, you must submit the receipts to UMR for processing and direct reimbursement.
Your claim must include the following in order to be considered valid, so ensure you have all the necessary information and documents from the foreign provider:
- Patient name
- Date of service
- Description of service (for example, office visit, injection)
- Diagnosis (type of illness or injury)
- A charge of each service
- Name and address of the provider
Filing a Foreign Claim Online
For the quickest filing, we recommend submitting international claims claim via the online tool in the UMR member portal. To do so, sign in to your member account at umr.com. Hover your mouse over Claims and EOBs and select Submit a claim. On the next screen, select Submit an online claim.
Filing a Foreign Claim via Mail or Fax
Submit your claim directly to UMR by mailing or faxing this form.
- Mail: UMR, P.O. Box 30541, Salt Lake City, UT 84130-0541
- Fax: 855-444-2896
What’s not covered while traveling?
Non-emergency care received outside Clark County is covered only if the service is medically necessary and not available within the Las Vegas network. If a medically necessary service isn’t available in Las Vegas, prior authorization from UMR is required before receiving care elsewhere. Out of network providers may request prior authorization by calling 877-233-1800.
Other Benefits Available at a $0 Copay
Find helpful resources for your health needs.
We’ve created dedicated pages with information, tips, and support for a variety of conditions.
Flexible Spending Account (FSA)
Active employees on this plan are eligible for a Flexible Spending Account (FSA) through American Fidelity. Contact American Fidelity for more information and to open your Flexible Spending Account. Retirees on this plan are eligible for an FSA but must use an institution of their choice that is not American Fidelity.
Access Your Benefits and ID Cards Online
Manage your health plan easily from your computer or smartphone. Use the portals and apps below to view your ID card, check claims, find doctors, compare costs, manage prescriptions, and more.
Medical Claims, EOBs, and ID Cards at UMR.com
Visit UMR.com or Download the UMR app to:
- Access your digital insurance card
- View benefits and claims
- Search for an in-network provider
- Request costs of care estimates
- and more!
To register, use group number: 76-414892
Pharmacy Details at CerpassRx.com
Use the CerpassRx Portal or App to:
- Manage all your prescriptions on a single dashboard
- Compare prices at local pharmacies
- Find the lowest cost for your prescription
- Locate a pharmacy near you
- Keep track of your health history
- Track your individual and family spending
- Learn more about your prescription drugs
Dental Networks, Claims, and ID Cards at My.Cigna.com
Visit my.cigna.com or Download the Cigna app to:
- Access Digital ID Cards
- View benefits and claims
- Search for in-network providers
- Request costs of care estimates
- Update your Network General Dentist (DHMO only)
Vision Details, Claims, and ID Cards at VSP.com
Visit VSP.com or Download the VSP App to:
- View Your Benefit Coverage
- View Claims
- Find a Doctor
- Submit Out-of-Network expenses for partial reimbursement
- Get Exclusive Member Extras
- Shop eyewear, contacts, and plans
Need help finding what you’re looking for?
Call THT at (702) 794-0272 and follow the prompts to speak to a representative that can help you. THT’s office is open Monday – Friday, 7am – 6pm, and other teams are open 24/7. Alternatively, send us a message by signing in to the member portal.
