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How the Plan Works/Why Choose UPMC HealthyU

HealthyU consists of two plan options that provides a complete spectrum of coverage including doctor and hospital visits, prescription drugs, and more. When you choose a participating provider, preventive care is always covered at 100 percent even if you haven't met the deductible. These plan options are:

Both plan options include a health incentive account (HIA) that enables you to earn up to $250 for Self Only coverage and up to $500 for Self Plus One and Self and Family coverage. Please note that your deductible must be met in the HDHP option. UPMC Health Plan automatically applies any HIA dollars you have accumulated toward the plan cost-sharing.

Depending on the option you select, you will pay 15 or 20 percent coinsurance. HIA funds will help with this.

The deductible, coinsurance, and copayments apply to your out-of-pocket maximum. The out-of-pocket maximum is the most you'll have to pay in one plan year. At that point HealthyU pays 100 percent of your eligible medical expenses, including prescriptions and copayments.

Benefits of UPMC HealthyU

In addition to earning reward dollars that can be used for your out-of-pocket medical expenses, HealthyU also offers:

  • Preventive care at no cost to you.
  • Access to a broad network of care providers and pharmacies including the top-ranked* doctors and hospitals of UPMC.
  • Award-winning customer service from UPMC Health Plan’s Health Care Concierge team.**
  • All the resources of MyHealth—the acclaimed health and wellness program developed by UPMC.
  • Online tools and resources on our secure member-only website: MyHealth OnLine. Log in to learn more about your health plan benefits, get personalized information about your doctors, and track your personal health information. You can even review your prescriptions and receive important reminders for preventive screenings.
  • On-the-go access to your member ID card, status of claims, and more if you download the UPMC Health Plan mobile app.
  • Self-guided programs and expert health coaches to help you manage a chronic condition or make lifestyle changes.
  • Discounts and savings at gyms, spas, and sporting goods and health food.
  • 2021 Preventive Services Guide
  • Healthy Activities Guide

*Visit for award information.

**UPMC Health Plan earned 11 awards for customer service excellence at the 14th Annual Stevie® Awards—including the 2020 People’s Choice Stevie Award for Favorite Customer Service in the Healthcare and Pharma category. UPMC Health Plan earned three 2019 Gold Stevie Awards for its outstanding sales and customer service.



It is important to know that when you enroll in this plan, services are provided through UPMC Health Plan's participating providers as described in UPMC Health Plan's federal brochure — but the continued participation of any one doctor, hospital, or other provider cannot be guaranteed.

Continue to UPMC Health Plan online provider search


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