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Medicare Eligibility

Are you turning 65 or retiring soon?

If you are turning 65 or retiring soon, there is something important you should do: Enroll in Medicare. Both of these events mean that you may now be eligible for a Medicare plan. Joining Medicare may seem confusing. UPMC for Life can help you get answers to your questions about signing up for Medicare and give you personalized help with your health care options.

When can I enroll in UPMC for Life?

If you are turning 65 and will be eligible for Medicare for the first time, you have seven months to enroll in Medicare Parts A and B. This time frame includes:

  • Three months before the month of your 65th birthday.
  • The month of your 65th birthday.
  • Three months after the month of your 65th birthday.

If you are over 65 and planning to retire soon, you have eight months to enroll in Medicare Parts A and B. This time frame usually starts the month after your employment ends.

If you currently get your health care benefits through your employer, make sure to talk to your employer. Your employer can help you understand what you need to do before you retire.

If you are already enrolled in Medicare, there are only certain times of the year when you can change your Medicare Advantage coverage.

Medicare Advantage Enrollment Timeline
Annual Election Period:
Oct. 15 – Dec. 7
You can add or drop Part D prescription drug coverage during this time. You can also change to a Medicare Advantage plan or to Original Medicare. Your coverage will be effective January 1.
Open Enrollment Period:
Jan. 1 – Mar. 31
You can make ONE change to your current Medicare coverage. You can add or drop Part D prescription drug coverage, change to a Medicare Advantage plan or to Original Medicare. Your coverage will be effective the first of the next month.
Lock-in Period:
Apr. 1 – Oct. 14
Dec. 8 – Dec. 31
You cannot make a plan change after March 31 unless you qualify for a Special Election Period (SEP) or have Medical Assistance coverage.

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Why choose UPMC for Life?

UPMC for Life is a Medicare Advantage plan that’s been around for 18 years. We are more than 190,000 members strong and growing!

We offer affordable medical and prescription benefits in one easy-to-use plan. We’re committed to providing you with the high-quality health care and coverage you need so you can live your best life.

Here are just a few benefits you get with a UPMC for Life plan:

  • Part D prescription drug coverage with $0 copays for preferred generic drugs
  • Preventive dental benefits
  • Routine hearing coverage and an allowance for hearing aids (on most plans)
  • Routine vision coverage and an allowance for eyeglasses and contact lenses
  • FREE membership to a participating gym
  • In-network coverage when you travel to Arizona, Florida, Georgia, North Carolina, South Carolina, and Tennessee (on HMO plans)
  • Caregiver support
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This information is not a complete description of benefits. Call 1-866-400-5077 (TTY: 711) for more information. Out-of-network/non-contracted providers are under no obligation to treat UPMC for Life members, except in emergency situations. 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.

This information is available for free in other languages. Please call our customer service number at 1-877-539-3080 (TTY: 711). We are available October 1 through March 31, seven days a week from 8 a.m. to 8 p.m. From April 1 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, HMO SNP, and PPO plans. The HMO SNP plans have a contract with the PA State Medical Assistance program. 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., UPMC Health Benefits Inc., UPMC Health Coverage Inc., and UPMC for You Inc.

Tivity Health and SilverSneakers are registered trademarks or trademarks of Tivity Health, Inc. and/or its subsidiaries and/or affiliates in the USA and/or other countries.

UPMC for Life Members

Call us toll-free: 1-877-539-3080
TTY: 711

Oct. 1 through Mar. 31:
seven days a week from 8 a.m. to 8 p.m.

Apr. 1 through Sept. 30:
Monday through Friday: 8 a.m. to 8 p.m.
Saturday: 8 a.m. to 3 p.m.

UPMC for Life Prospective Members

Call us toll-free: 1-866-400-5077
TTY: 711

Oct. 1 through Dec. 31:
seven days a week from 8 a.m. to 8 p.m.

Jan. 1 through Sept. 30:
Monday through Friday: 8 a.m. to 8 p.m.
Saturday: 9 a.m. to 3 p.m.

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Last Updated: 10/01/2019
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