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.

Besides, 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 program.
  • Our team of award-winning Health Care Concierges, who can answer your questions.

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! Through December 8, we can be reached at 1-877-563-0292 Monday through Friday from 8 a.m. to 8 p.m. From December 9 through 15, we will be available 24 hours a day, seven days a week.
  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 Service and Sales Center near you.

Browse Networks

UPMC Partner Network (EPO )

The UPMC Partner Network is our most affordable network option. It is available to residents of Allegheny, Bedford, Blair, Clinton, Erie, Lawrence, Lycoming, Mercer, Tioga, and Venango counties. The network includes all UPMC providers, as well as a select group of non-UPMC providers. The Partner Network is designed for members who want to seek care from UPMC doctors and hospitals within the counties where the plan is offered. In a true emergency, members can seek care from any emergency department, even if the hospital is not in the Partner Network. The emergency care that’s received will be covered at the in-network benefit level.

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UPMC Select Network (EPO )

The UPMC Select Network is available to residents of Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland counties. The 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 members to seek care from UPMC providers. However, the Select Network covers more non-UPMC providers than the Partner Network. In a true emergency, members can seek care from any emergency department, even if the hospital is not in the Select Network. The emergency care that’s received will be covered at the in-network benefit level.

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UPMC Premium Network (PPO )

The UPMC Premium Network—our highest-priced and broadest network—is available throughout our service area. It was created for Pennsylvania residents who want the ability to seek care in and out of the network. This network offers members the most flexibility in terms of choosing a provider and cost sharing. Members who choose in-network providers will pay less than those who choose out-of-network providers. In a true emergency, members can seek care from any emergency department, even if the hospital is not in the Premium Network. The emergency care that’s received will be covered at the in-network benefit level.

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Tower Network (EPO)

The Tower Network is available to residents of Berks County. It 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. In a true emergency, members can seek care from any emergency department, even if the hospital is not in the Tower Network. The emergency care that’s received will be covered at the in-network benefit level.

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Tower Network (PPO)

The UPMC Premium Network—our highest-priced and broadest network—is available throughout our service area. It was created for Pennsylvania residents who want the ability to seek care in and out of the network. This network offers members the most flexibility in terms of choosing a provider and cost sharing. Members who choose in-network providers will pay less than those who choose out-of-network providers. In a true emergency, members can seek care from any emergency department, even if the hospital is not in the Premium Network. The emergency care that’s 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 2019 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

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