NEW as of October 1, 2026: Carrum Centers of Excellence
When you need specialized care, Carrum connects you with high-quality providers for surgery, cancer treatment, and substance use treatment. Through this voluntary program, if you are enrolled in a UMR medical plan, you will have access to leading specialists who meet rigorous quality standards and deliver exceptional outcomes.
Personalized Support
A dedicated Care Specialist will guide you through every step of your healthcare journey—from finding the right provider and scheduling appointments to coordinating travel and answering questions along the way.
Lower Costs
Carrum helps make high-quality care more affordable.
- Gold aand Silver EPO members can access eligible Carrum services at no cost, including eligible surgeries at $0.
- Bronze HDHP members can access eligible Carrum services at no cost after meeting the IRS minimum deductible ($1,700 for 2026).
Services Available Through Carrum
Surgical Care
- Musculoskeletal procedures
- Gynecology
- Gastroenterology
- Cardiovascular care
- General surgery
- Urology
- Pain management
- Ear, Nose, and Throat (ENT) services
Cancer Care
- Prostate cancer
- Breast cancer
- Uterine cancer
- Bladder cancer
- Lung cancer
- Thyroid cancer
- Non-Hodgkin lymphoma
- Leukemia
Substance Use Treatment
- Alcohol use disorder treatment
- Opioid use disorder treatment
