Medical Coverage

Medical Plan Options

Click on each plan below for additional information.

Each plan includes:

Choosing Your Plan
To help you choose the health plan that best meets your family's needs, use the
Medical Plan Comparison & Medical Plan Decision guide.

UPMC provides comprehensive medical options that allow you to choose the plan that best meets your needs. The UPMC Advantage HMO and Advantage PPO options utilize the home host feature, also known as the UPMC Advantage Network, that encourages the use of facilities owned by or affiliated with the health system. For staff members who are committed to using UPMC providers, these options offer efficient, valuable choices with lower per-pay costs.

Staff also have the option to choose the Open Access PPO, which encourages the use of the entire UPMC Health Plan Network. This option also gives staff members the flexibility to use non-network providers.

Refer to your My HUB benefit enrollment screens for the per-pay contribution amount of each medical option.

MyHealth

Each medical option includes a deductible for 2009. By meeting the MyHealth requirements, staff will receive a deductible credit ($250 per individual/$500 per family) and enhanced prescription drug coverage for smoking cessation medications. If you choose not to complete the MyHealth requirements, you will not receive this deductible credit.

Learn more about MyHealth and completing the requirements>

Special Note for UPMC Mercy Staff
Please be aware that UPMC Mercy, as a Catholic health care organization, is covered by Ethical and Religious Directives for Catholic Health Care Services. All benefit plans have been designed to comply with these directives. Abortions, contraceptives (except for authorized medical reasons), and voluntary sterilization are excluded from coverage under UPMC Mercy’s health insurance plans. Assisted fertilization techniques are excluded from coverage under all of UPMC’s health insurance plans.

Benefits described may not be applicable to all staff. Some business units have unique benefit programs, certain job classifications may affect benefit eligibility, and contract terms determine benefits for physicians and members of collective bargaining units.