First Care Plan

UPMC First Care: Insurance for Individuals and Families

Enjoy $0 copays for a variety of visits

UPMC First Care® is an innovative plan that can help you put your health first.

Its members have a $0 copay for a variety of visits, making it easy and affordable for them to get the care they need.

 

Purchase UPMC First Care coverage

What is a copay? 

A copay is a fixed amount for a covered service. Members pay it to the provider of service before receiving the service.

You might have a $20 copay every time you visit your primary care provider (PCP). If you see a specialist, your copay might be $50 per visit.

With UPMC First Care, the copay amounts for your first PCP and specialist visits will be $0 each plan year.

$0 copays

  • First in-person primary care and specialist visits
  • First virtual primary care and specialist visits
  • All behavioral health office visits
  • 24/7 video visits1

UPMC First Care plan

  • 24/7 access to care using telehealth services1
  • Convenient low-cost care virtually or in person
  • $0 copay automatically applied for qualifying visits with no payment card needed
  • Digital resources to help you manage your plan, including a member website, app, and health and wellness discounts

$0

No copays for a variety of visits with UPMC First Care

Ready to sign up?

Use our shopping tool and select UPMC First Care from the list of offerings.

UPMC First Care: FAQs

Which UPMC First Care visits qualify for a $0 copay?

With UPMC First Care®, you’ll have a $0 copay for many visits:

  • First in-person and virtual primary care visits
  • First in-person and virtual specialist visits
  • All 24/7 video visits
  • All behavioral health office and virtual visits

Are $0 copays automatically applied?

Yes.  With UPMC First Care, the $0 copay is automatically applied for qualifying visits, and you don’t need a payment card.

Is UPMC First Care available to families?

Yes. Families can enroll in a UPMC First Care plan.

Who is eligible for UPMC First Care plans?

Many individuals and families can enroll in a UPMC First Care plan. Some companies may also offer this coverage option to their employees. UPMC First Care availability varies by plan offering and service area.

Is UPMC First Care available year‑round or only during Open Enrollment?

In general, you can enroll in a UPMC First Care plan only during the annual Open Enrollment period. However, depending on your situation, you may qualify to purchase a plan outside of Open Enrollment. 

Can I enroll in UPMC First Care if I have a qualifying life event?

Yes! A qualifying life event may make you eligible for a special enrollment period. This is a period outside of Open Enrollment during which you can enroll in healthcare coverage, including a UPMC First Care plan.

124/7 video visits are available only to UPMC Health Plan members who are in Pennsylvania at the time of their virtual visit. Members may select a UPMC provider, subject to provider availability and discretion. Members or the member’s parent or legal guardian must accurately verify their physical location and that they are in Pennsylvania at the time of the visit. Limitations may apply for members of administrative services only (ASO) plans who have opted out of coverage. A parent or legal guardian must be present during the video portion of the visit for children younger than 18. Providers employed or contracted by UPMC retain discretion regarding the treatment of patients ages 0-2. 24/7 video visits for children ages 0-2 are unavailable from 11 p.m. to 7 a.m. in Pennsylvania.