At UPMC Health Plan, your health is our highest priority. Our network offers members the finest health care from world-renowned medical experts, the latest medical breakthroughs, and the most effective and innovative health and wellness programs in the region.

Whether you are healthy and looking for information on how to improve or maintain your current status, or you are managing a chronic illness and need advice on how to follow your doctor's plan of care, we offer a variety of programs to help you better understand and manage your health to enhance your life.

Below is a listing of the health insurance plans offered by UPMC Health Plan. Benefit plans and benefit levels vary from one employer group to another. Please consult your plan materials for specific benefit information.

Preferred Provider Organization (PPO)
PPO plans give you the flexibility to go to the providers you prefer, whether those providers participate in our network or not. Our PPO plans do not require care to be coordinated through a primary care physician (PCP). Instead, you are free to go directly to your physician of choice — PCP, ob-gyn, or specialist — for covered services.

Exclusive Provider Organization (EPO)
EPO plans blend elements of a traditional HMO with elements of a PPO and offer lower premiums. Similar to a PPO, the EPO does not require you to select a PCP. But, like an HMO, the EPO does require you to receive care from network physicians and facilities in order to be covered.

Point-of-Service (POS)
With a POS plan, you are encouraged to have a PCP, but you can self-direct your care. You have the best of both worlds - peace of mind in knowing the network includes top-quality community providers as well as medical experts at the world-renowned UPMC, and the flexibility of being able to choose out-of-network care.

Health Maintenance Organization (HMO)
With HMO plans, you select a primary care physician (PCP) from thousands of highly trained, dedicated doctors who participate in the Health Plan’s network. Your PCP coordinates your care by studying your medical history, monitoring your health, and reviewing records from any other doctors.

Consumer-Directed (High-Deductible Health Plan or HDHP)
UPMC Health Plan's consumer-directed plan, UPMC Consumer Advantage, provides you with a tax-advantaged source to fund some, or all, of the plan’s deductible. This funding may come from you, your employer, or both. UPMC Consumer Advantage provides the best in health care coverage to smart consumers who want to take a more active role in their own health care decision-making.