When your employees are more active in their health care decisions, they receive care that is more efficient and effective and could result in lower health care costs. We offer UPMC HealthyU, a new and exciting consumer-directed health plan with a Health Incentive Account and Health Reimbursement Arrangement or Health Savings Account, and a Flexible Spending Account that can be added to many of our product offerings.
UPMC HealthyU
UPMC HealthyU is a unique combination of a high-deductible health plan with a healthy living rewards program. HealthyU is built on the philosophy of:
- Understanding your health status
- Improving your health
- Partnering with your doctor
With HealthyU, you get:
Spending accounts for healthcare expenses
- A Health Incentive Account (HIA), funded by UPMC Health Plan, that gives members the opportunity to earn money in their HIA by completing healthy activities. These funds can be used to pay for out-of-pocket health care expenses such as deductibles and prescriptions.
- A lower premium, higher deductible plan with an option to add a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Online tools to support members
- A robust online resource center for employers with tools and information on how to:
- – administer the plan,
- – encourage participation, and
- – improve employee health
- MyHealth Online, a secure portal for members, that provides claim history, recommended healthy activities based on their health care needs, health coaching programs, live chat and more.
Learn more about UPMC HealthyU »
Flexible Spending Account (FSA)
MyFlex Advantage is designed for members to take advantage of the convenient and easy-to-use pre-tax benefit plans available through UPMC Health Plan. MyFlex Advantage helps members save money and gives them better control of their health care spending. Our MyFlex Advantage plan allows members to choose from a number of qualified pre-tax benefit plans, including:
Health Care Flexible Spending Accounts — You can use your Health Care FSA to pay for qualified medical, dental, vision, prescription drugs, and over-the-counter medicines that are not covered by your insurance plan. You simply set aside money that is tax-free, and either you or your eligible dependents can access the funds.
Limited Purpose Health Care FSA Accounts — Similar to a Health Care FSA, a Limited Purpose Health Care FSA only reimburses dental, vision, preventive care, and post-deductible expenses. Participation in this type of FSA allows members to also participate in a qualified Health Savings Account (HSA).
Dependent Care Reimbursement Accounts — You can set aside up to $5,000 annually to offset day care expenses for your eligible children or elderly dependents. (Note: You may set aside up to $2,500 if you are married and file a separate federal income tax return.)
Transportation Accounts — This type of plan allows you to pay for certain transportation-related costs associated with your employment with pre-tax dollars. These expenses must be related to mass transit or parking.
MyFlex Advantage card — The card gives members instant access to their MyFlex Advantage accounts. The card allows members to pay for qualified expenses wherever MasterCard® is accepted — from physician and dental offices to local pharmacies and optical shops. Approved expenses are automatically deducted from the member’s available balance.
UPMC Health Plan convenience — Members of UPMC Health Plan and MyFlex Advantage will receive a combination member ID and MyFlex Advantage card. The combination card provides members with an enhanced health care experience, allowing them to use one card for Health Plan membership and payment for health care services.