Medicare Basics

Before you can choose the Medicare Advantage plan that is best for you, it’s important to understand the basics of Original Medicare. Here you’ll find everything you need to know about the enrollment process, the parts of Medicare, and prescription drug coverage. You’ll also find information if you are helping others choose or use their Medicare plan.

When Can I Enroll?

Looking for information on the Medicare Annual Election Period? New to Medicare coverage and need to enroll for the first time? You’re in the right place!

Learn When You Can Enroll

The Four Parts of Medicare

Chances are you’ve heard these Medicare terms before: Part A, Part B, Part C, and Part D. Find out what they mean and what each part covers.

Learn the Four Parts of Medicare

Medicare Prescription Coverage

Learn about Medicare Part D — what's covered, what costs you are responsible for, and the stages of coverage.

Learn About Medicare Prescription Coverage

Caregivers and Medicare

Health insurance can be confusing. Sometimes it is helpful or even necessary for family members or loved ones to help someone understand, choose, and manage their Medicare coverage. Here is information for caregivers who are assisting others with these important decisions.

Find Medicare Information for Caregivers

Medicare Eligibility

If you are turning 65 or retiring soon, there is something important you should do: Enroll in Medicare.

Click Here to Find Out if You Are Eligible


Explore the differences between Medicare Advantage and Medicare Supplement (Medigap) plans.

Learn More And Compare
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premium, and/or copayments/coinsurance may change on January 1 of each year. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. Out-of-network/non-contracted providers are under no obligation to treat UPMC for Life members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. Other physicians/providers are available in the UPMC for Life network.

The UPMC for Life Medicare Advantage HMO and PPO plans are available to persons entitled to Medicare Part A and enrolled in Part B. You must continue to pay your Medicare Part B premium, reside in the service area, and not have end-stage renal disease (ESRD).

This information is available for free in other languages. Please call our customer service number at 1-877-539-3080 (TTY: 1-800-361-2629). We are available October 1 through February 14, seven days a week from 8 a.m. to 8 p.m. From February 15 through September 30, we are available Monday through Friday from 8 a.m. to 8 p.m. and Saturday from 8 a.m. to 3 p.m.

UPMC for Life has a contract with Medicare to provide HMO and PPO plans. Enrollment in UPMC for Life depends on contract renewal. UPMC for Life is a product of and operated by UPMC Health Plan Inc., UPMC Health Network Inc., and UPMC Health Benefits Inc.

The Silver&Fit program is a product of American Specialty Health Fitness, Inc., (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). All programs and services are not available in all areas. Silver&Fit® is a federally registered trademark of ASH and used with permission herein.

*Our hours of operation change twice a year.

You can call us:

October 1 through February 14:
seven days a week from 8 a.m. to 8 p.m.

February 15 through September 30:
Monday through Friday: 8 a.m. to 8 p.m.
Saturday: 8 a.m. to 3 p.m.

Y0069_18_1122 Approved

Last Updated: 10/01/2017
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