UPMC Health Plan has two plans that work together to provide you with your health care coverage—UPMC for Life Dual and UPMC Community HealthChoices. You can enroll in these plans if you are eligible for Medicare and Medical Assistance (Medicaid). By being a member of both UPMC for Life Dual and UPMC Community HealthChoices, we can more effectively coordinate your health care and make it less confusing. Plus, you get extra benefits to help you stay healthy and independent.
- UPMC for Life Dual (HMO SNP) is a Medicare Advantage plan that gives you medical and prescription drug coverage. UPMC for Life Dual acts as your primary health care coverage. You will get additional benefits, including vision and dental coverage, transportation services, a free gym membership, and an allowance to buy health and wellness items.
- UPMC Community HealthChoices is a Medicaid plan that provides secondary coverage for most of your medical, prescription, vision, and dental services. If you are eligible for long-term services and supports (LTSS), UPMC Community HealthChoices will coordinate and pay for these services along with your medical coverage.
If your UPMC for Life Dual plan does not fully cover something you need, UPMC Community HealthChoices may help cover the cost. When you have both plans, you will have a sense of comfort in knowing that most of your health care services will be covered.
Here’s how these plans work together to help you get the most out of your health care coverage.
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UPMC for Life Dual:
- $0 copay for two oral cleanings and exams every year.
- A $3,000 or $3,900 yearly allowance (depending on your plan) for additional dental services.
UPMC Community HealthChoices: $500 yearly allowance for certain dental services
UPMC for Life Dual:
- $0 copay for one routine vision exam each year.
- A $250 or $300 yearly allowance (depending on your plan) for eyewear or contact lenses.
UPMC Community HealthChoices: Up to a $100 yearly allowance for eyewear or contacts
UPMC for Life Dual: Unlimited FREE gym memberships to participating fitness facilities plus one free personal training session each year.
UPMC for Life Dual: A $1,160 or $1300 yearly allowance (depending on your plan) to buy health and wellness items you use every day.
UPMC for Life Dual: 50 one-way trips (25 round trips) to and from plan-approved locations, including doctor’s offices, health care facilities, pharmacies
UPMC Community HealthChoices: Nonmedical trips may be covered for those with Medicaid long-term services and supports based on your service plan
UPMC for Life Dual: Select up to six bathroom safety products per year
UPMC Community HealthChoices: Additional bathroom safety products may be covered for those with Medicaid long-term services and supports based on your service plan.
UPMC for Life Dual:
- $0 copay for one hearing exam and hearing aid fitting each year
- $1,500 allowance for hearing aids every three years
UPMC Community HealthChoices: Additional hearing services may be covered for those with Medicaid long-term services and supports based on your service plan.
UPMC for Life Dual:
- $0 copay for inpatient medical services
- $0 copay for outpatient medical services
UPMC Community HealthChoices (Pays secondary to your Medicare coverage):
- $0 copay for inpatient medical services
- $0 copay for outpatient medical services
UPMC for Life Dual:
- $0 copay for Part D prescription drug coverage
- Some individuals may not qualify for $0 prescription drug copays. This is based on your household income level and institutional status.
UPMC for Life Dual:
- $0 copay for medical advice over the phone from experienced, registered nurses
- $0 copay for an online virtual visit with a UPMC provider
UPMC Community HealthChoices:
- $0 copay for medical advice over the phone from experienced, registered nurses
- $0 copay for an online virtual visit with a UPMC provider
UPMC Community HealthChoices:
- $0 copay for assistance with daily personal care activities, such as preparing meals, eating, dressing, and using the bathroom
- These services may be covered for people awaiting a final eligibility determination for LTSS or as part of your Medicaid long-term services and supports service plan.
View our Caring for Life eNewsletter to learn more:
Learn more about the UPMC for Life Dual plan available in your area
Learn more about UPMC Community HealthChoices