Using Health Insurance

Why you need health insurance

It protects you from big costs if you get sick or hurt.

It makes getting checkups and screenings easier.

You can choose a primary doctor who gets to know you and will help you manage your health.

You can catch problems before they become serious.

Where you can use it

Our UPMC Advantage individual and family plans include four network options so you can choose the network that works best for you. You will have full in-network access to all UPMC doctors and hospitals in your community, as well as other providers. Click below to view the network options available in your county:

  • UPMC Partner Network (for residents of Allegheny, Bedford, Blair, Clinton, Erie, Lawrence, Lycoming, Mercer, Somerset, Tioga, and Venango counties)
  • UPMC Select Network (for residents of Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland counties)
  • UPMC Standard Network (for residents of Crawford and Clearfield counties)
  • UPMC Premium Network (Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Butler, Cambria, Cameron, Carbon, Centre, Clarion, Clinton, Cumberland, Columbia, Dauphin, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Northampton, Northumberland, Perry, Potter, Schuylkill, Snyder, Somerset, Sullivan, Tioga, Union, Venango, Warren, Washington, Westmoreland, Wyoming, and York counties)

Doctor, hospital, urgent care center, or other health care facility.

Also called "provider network." The network includes doctors, hospitals, and other providers who contract with your plan. They provide services at a negotiated rate of payment.

Our network options include all the world-renowned hospitals of UPMC and many community hospitals in the areas you call home. Our flexible plans adapt to your needs so you can choose the network that works best for you. You can even save money by narrowing down your hospital network to the locations to which you’re most likely to go. Why pay for what you don't need?

How you can use it

When you buy health insurance, you want to get the most out of it. UPMC Health Plan offers benefits well beyond network access and high quality care.

Your 2023 plan will put all the resources you need to manage your health within easy reach:

Providing access to care to help keep you healthy.

Helping you take care of your mental and physical health.

  • Six free counseling sessions through LifeSolutions®6
  • Free health coaching to help you make healthy changes in your life
  • The RxWell app to support your total well-being

Supporting you when you need it.