• Your doctor will submit your claim to UMR.
• You will receive an Explanation of Benefits (EOB) from UMR that shows the discounted charges and the amount you need to pay. Your payments will count toward your deductible, coinsurance and out-of-pocket maximum.
• UMR then provides this information to your doctor and you will be billed.
• You may choose to use HSA or FSA dollars to pay the bill or pay out-of-pocket.

• At the point of sale, you will pay the CVS Caremark negotiated price of the drug, which will apply towards your annual deductible
• Once you’ve reached your deductible, you will pay a smaller portion of the cost (coinsurance percentage), which will continue until you reach your out-of-pocket maximum.
• Costs of prescription drugs are eligible expenses to be paid with either an HSA or FSA, if you choose to enroll in either of these benefits.

1. Go to uhc.com/find-a-doctor
2. Scroll down to the “Guest Provider Search” section and click “Search as Guest”
3. Click “Medical Directory”
4. Select “Employer and Individual Plans”
5. Click “Shopping Around”
6. Click “Choice Plus”
7. Click “Change Location” at top of page
8. Enter location information, click “Update Location”
9. Search for providers and services by location or

   find care by category

Virtual Care is a dedicated virtual primary care service available exclusively to RaceTrac medical plan enrollees and their families. Starting January 1, 2026, through this program powered by One-to-One Health, RaceTrac’s care team offers on-demand support for your health and medical questions as your first point of contact —at no cost to you. If your needs cannot be addressed virtually, your care team will guide you to an appropriate in-person provider.

1. Round the Clock Availability: Assistance is available 24 hours a day, 7 days a week. All you have to do is send a text to 404-800-6338.

2. Dedicated Care Team: RaceTrac team members have access to a dedicated care team who knows you personally and works together to handle all of your primary and acute care needs. Meet RaceTrac’s Virtual Care Provider, Alex Mullin, PA-C, by reading about her on the Benefits Guide.

3. Personal & Household Coverage: Enrollees of the RaceTrac medical plan and their households can utilize this program. Virtual Care interactions are always free.

4. Proactive Care Management: Your care team can help you actively manage chronic conditions like diabetes, asthma, and heart disease.

5. Specialty Referrals: If necessary, your care team can refer and escalate your treatment to an in-person specialist.