Employers need benefit plans that meet the needs of all of their employees — whether they are young and single, have family responsibilities, or are reaching retirement age.

UPMC Health Plan has a full spectrum of benefit designs to meet your needs. And employees can decide what plan design is best for them.

UPMC Health Plan can offer multiple plans within the same employer group to allow employees the opportunity to select a plan based on their individual and family needs.

Business Advantage gives employees health insurance and so much more:

• Health plans insured or administered by UPMC Health Plan
• Health Maintenance Organization (HMO) — A managed network of physicians and hospitals with the richest benefit designs.
• Preferred Provider Organization (PPO) — Great in-network benefits from hospitals and physicians throughout the region, as well as out-of-network benefits for employees choosing to use other providers.
• Exclusive Provider Organization (EPO) — Excellent benefits and the option to use any in-network provider.
• Consumer-Directed Plans — Health Savings Accounts (HSAs) and Health Reimbursement Arrangements (HRAs), plans that let employees manage their own health care spending, with ways to save tax-free dollars for out-of-pocket expenses and save employers money at the same time.

Local Network
Our comprehensive network includes the advanced-care, academic, and specialty hospitals of UPMC as well as community hospitals, cancer centers, physician practices, behavioral health programs, and long-term care facilities. UPMC Health Plan’s network includes more than 80 hospitals and more than 7,600 physicians — one of the largest and most diverse teams of health care professionals in the area. Search our local network.

National Network
Working in other states? Traveling around the country? We’re there for you and your employees. UPMC Health Plan’s seamless national network extends across the country to include more than half a million providers and 4,500 facilities. Search our out-of-area network.

Global Emergency Services
Any time members are more than 100 miles from home — literally, anywhere in the world — we provide immediate connections to doctors, hospitals, and pharmacies. We’re there to clear many of the obstacles caused by emergencies far from home or in other countries. Learn more about Assist America.

Our pharmacy program offers both good value and freedom of choice by providing our members with a variety of high-quality, effective generic and brand-name prescription drugs.
Search our Your Choice drug list, our most popular pharmacy program offering.

At UPMC Health Plan, our prescription drug plan offers:

• Access to an expanded network of retail pharmacies
• Home delivery for maintenance medications
• Fast, reliable service
• A comprehensive formulary developed and maintained by leading network physicians and pharmacists

Our pharmacy network consists of more than 38,000 pharmacies, including regional and national chains as well as hundreds of independent retailers:

UPMC Health Plan offers a discount vision network for our Business Advantage product through arrangements with Opticare Managed Vision at no extra charge. We also offer optional vision insurance coverage through Vision Benefits of America.

OptiCare Managed Vision Discount Network
OptiCare Managed Vision has been providing comprehensive and affordable eye care services for more than 20 years. OptiCare is one of the nation's largest medical eye care administrators. Founded by eye care professionals, OptiCare has become a nationally respected provider of fully integrated, risk-based eye care programs. Locate participating OptiCare providers.

Vision Benefits of America Vision Benefits (VBA) is a comprehensive nationwide network of eye care providers that has been managing group vision benefits for more than 40 years. Through its more than 13,000 participating vision providers, VBA provides managed vision care to more than 1 million members across the country. Learn more about Vision Benefits of America.

Choose between an Exam Only and an Exam Plus Option.

Employee Assistance Program
LifeSolutions^SM, owned by UPMC, provides employers with a comprehensive program that enhances workplace productivity, health, and wellness. Members can access resources online or call for assistance with family and relationship issues, child or elder care, career challenges, stress management, anxiety or depression, and drug and alcohol concerns. Through Small Business Advantage, members have 24/7 telephone support, telephone coaching and counseling, referrals to community resources, and online WorkLife resources. Learn more about LifeSolutions.

Account Management
Answers to client questions are only a phone call away. From initial enrollment to renewal assistance, your designated account manager will work closely with you and your broker (if applicable), using a consultative approach to administer your account.

Dedicated Member Services
Members will have telephone access to a personal Member Advocate, who will call to welcome them to the program, help them understand coverage, provide preventive care reminders, and notify them of special events related to their health benefits. Member Advocates serve as advisors to help members make important decisions regarding their benefits.

MyHealth Wellness Services
Small businesses now have access to a variety of wellness assessments and programs through UPMC Health Plan’s MyHealth program, including online tools, personalized health improvement programs, and discounts on physical fitness activities. Our online tools enable members to design personal action plans for getting in shape, eating better, losing weight, and quitting tobacco.

Smoking Cessation Program
Our program focuses on education, problem-solving skills, social support, and stress management. Small Business Advantage includes a 24/7 quit line, smoking cessation drug coverage with member copayment, and health coaching calls.

Health Management Programs
Members have access to diabetes educators, nurses, pharmacists, and other health experts who can help them identify problems and can work with them and their physicians to manage specific medical conditions, such as heart disease, diabetes, respiratory problems, depression, low back pain, and pregnancy.

24/7 MyHealth Advice Line
UPMC Health Plan’s MyHealth Advice Line is available 24/7 to provide members with health care advice. When a member calls to discuss a specific health issue, experienced registered nurses can provide prompt and efficient service over the phone.

Healthy Living Rewards
Members are automatically enrolled in our exclusive member discount program, Healthy Living Rewards. Members simply need to present their ID card to be eligible for discounts at participating fitness centers, health food stores, sporting goods stores, and other health-related businesses. Healthy Living Rewards includes more than 200 fitness centers in Pennsylvania and more than 1,400 nationally.