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! Just call 1-877-563-0292, 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 Service and Sales Center near you.

Browse Networks

UPMC Partner Network (EPO )

The Partner plans were created for residents of Allegheny, Bedford, Blair, Erie, Lawrence, Lycoming, Mercer, Tioga and Venango counties and feature providers in those counties. All UPMC-owned hospitals and Corry Memorial Hospital are included in the network, along with a robust list of providers and specialists to cover all your health care needs. An Exclusive Provider Organization (EPO) enables you to seek quality care within the network. Medical services are not covered outside the network, except for emergency care.

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UPMC Select Network (EPO )

The Select plans were created for residents of Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland counties and feature select providers within those counties, including Grove City Medical Center. All UPMC-owned and most community hospitals within the six-county service area are included in the network. This plan is also an Exclusive Provider Organization (EPO), which enables you to seek quality care within the network. Medical services are not covered outside the network, except for emergency care.

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UPMC Premium Network (PPO )

The UPMC Premium Network is UPMC Health Plan’s broadest network. The Premium plans were created for residents of western Pennsylvania who want the option to seek care in and out of the network. A Preferred Provider Organization (PPO) plan gives you the flexibility to go out of the network for care at a greater share of the cost. Emergency care is covered outside the network with the same cost-share as in the network.

In Crawford County, residents have access to a tiered plan. A tiered benefit plan means you have access to multiple levels of participating providers. You will receive the highest level of benefits when you go to Tier 1 providers. At Tier 2 your out-of-pocket costs may be higher.

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Tower Health Network (EPO)

The Tower Network is available to residents of Berks County. This network gives you access to select high-quality providers. In-network hospitals include Reading Hospital and all Tower Health and UPMC-owned facilities in the service area. Learn more about the Tower Health-UPMC Health Plan offerings.

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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 2018 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

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