An Innovative Approach to
Consumer-Directed Health Care

When members are more active in their health
care decisions, they receive care that is more
efficient and effective and could result in lower
out-of-pocket costs.

UPMC Consumer Advantage is a consumer-directed health plan (CDHP) from UPMC Health Plan that provides resources and tools so members can have more control over their health care decisions.

What is a consumer-directed health plan?
A CDHP helps fund your deductible and medical expenses by combining a savings account and a qualified high-deductible health plan. UPMC Consumer Advantage offers a full suite of health care products, including health promotion programs and online tools through MyHealth OnLine to help our members have greater control over their health care. And UPMC Consumer Advantage fully covers preventive care without having to satisfy the deductible.

• UPMC Consumer Advantage is easy to use and manage.
• Preventive care is 100% covered and is not subject to the deductible.
• All in- and out-of-network coverage counts toward the deductible.
• Out-of-pocket limits are low for in-network care, so they can be quickly met.
• Medical services are covered at 100% at in-network facilities after the annual out-of-pocket limits are satisfied.

UPMC Consumer Advantage offers two types of CDHPs, distinguished by the type of savings account that is offered. Both our Health Savings Account (HSA) and Health Reimbursement Account (HRA) products are convenient and easy to use.

Click the links below to view a detailed plan comparison and learn more about our Consumer Advantage plans.