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Health Insurance

Affordable, quality UPMC Advantage health plans for individuals and families

We have a variety of plans to fit all needs. But don't worry about having too many choices! Getting health insurance is all about worrying less.

No matter which UPMC Advantage plan you choose, you and your family will have access to high-quality health care, generous discounts on vision care and materials, and dental/vision coverage for kids. You'll also enjoy exclusive benefits like:

  • Full in-network access to UPMC as well as other doctors and hospitals in your community.
  • Access to MyHealth, a nationally acclaimed health and wellness resource.
  • Our award-winning Health Care Concierge team to answer your questions and provide support.

You have three ways to buy:

  1. Shop online. Use our shopping tool to find plan options that fit your needs and budget. Just tell us a little bit about yourself, and we'll show you plans that match.
  2. Shop by phone. If you have a question about a plan, need more information, or want our help walking through a purchase, we're happy to help! We can be reached at 1-877-563-0292.
    • November 1–December 7: Seven days a week from 8 a.m. to 8 p.m.
    • December 8–December 15: 24 hours, seven days a week
    • December 16–October 31: Monday through Friday from 8 a.m. to 5 p.m.
  3. Shop at our stores. Wish you could get in-person, one-on-one help with choosing a plan? You can. Visit a UPMC Health Plan Connect Center near you.

Browse Networks

UPMC Partner Network (EPO)

For residents of Allegheny, Bedford, Blair, Clinton, Erie, Lawrence, Lycoming, Mercer, Tioga, and Venango counties
The UPMC Partner Network is our most affordable network option. The network includes all UPMC providers as well as some non-UPMC providers. In a true emergency, you can seek care from any emergency department, even if the hospital is not in the Partner Network. The emergency care you receive will be covered at the in-network benefit level.


UPMC Select Network (EPO)

For residents of Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland counties
The UPMC Select Network includes all UPMC providers as well as a select group of non-UPMC providers. Like the Partner Network, the Select Network is designed to encourage you to seek care from UPMC providers. However, the Select Network covers more non-UPMC providers than the Partner Network. You can seek care from any emergency department in a true emergency situation, even if the hospital is not in the Select Network. The emergency care you receive will be covered at the in-network benefit level.


UPMC Premium Network (PPO)

For residents of western Pennsylvania as well as Adams, Berks, Bradford, Carbon, Clinton, Cumberland, Columbia, Dauphin, Lackawanna, Lancaster, Lebanon, Lehigh, Luzerne, Lycoming, Northampton, Northumberland, Perry, Schuylkill, Snyder, Sullivan, Tioga, Union, Wyoming, and York counties
The UPMC Premium Network—our highest-priced and broadest network and it is available throughout our service area. This network allows you to use in- and out-of-network providers. The Premium Network also offers the most flexibility in terms of cost sharing. You will pay less if you choose in-network providers than if you choose out-of-network providers. You can seek care from any emergency department in a true emergency situation, even if the hospital is not in the Premium Network. The emergency care you receive will be covered at the in-network benefit level.


Tower Network (EPO)

For residents of Berks County
The Tower Network includes all Tower Health and UPMC providers as well as a select group of other high-quality providers. The Tower Network is designed for members who want to seek care from Tower Health and UPMC doctors and hospitals. You can seek care from any emergency department in a true emergency situation, even if the hospital is not in the Tower Network. The emergency care you received will be covered at the in-network benefit level.


Sample Individual and Family UPMC Advantage Policies

Below are sample policy documents outlining the terms of coverage relative to various products offered by UPMC Health Plan Inc. and its affiliates, including UPMC Health Options Inc., UPMC Health Coverage Inc. and UPMC Health Network Inc. Please note that if you enroll in any product offered by UPMC Health Plan Inc. or its affiliates, you will receive policy documents outlining the terms of coverage specific to the product in which you enroll.

Sample 2020 Individual and Family UPMC Advantage Policies

UPMC Advantage HMO Policy
UPMC Advantage EPO Policy
UPMC Advantage PPO Policy
UPMC Advantage EPO HSA Policy
UPMC Advantage PPO HSA Policy
UPMC Advantage EPO Catastrophic Policy
UPMC Advantage PPO Catastrophic Policy
Tower UPMC Advantage EPO Policy
Tower UPMC Advantage PPO Policy