2025 UPMC for Life Plans
UPMC for Life is excited to share our improved plans and extra benefits with you for the upcoming year. Our plans help Medicare members get easy access to the care they need with important extra benefits and outstanding customer service.
2025 Plan Grids
Western PA plans
Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria, Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lawrence, McKean, Mercer, Somerset, Venango, Warren, Washington, and Westmoreland counties
- HMO Premier Rx — Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria, Fayette, Greene, Huntingdon, Indiana, Lawrence, Somerset, Washington, and Westmoreland counties
- HMO Premier Rx — Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Forest, Jefferson, McKean, Mercer, Venango, and Warren counties
- NEW! PPO Essential Care Rx (PPO) — Adams, Allegheny, Armstrong, Beaver, Berks, Bradford, Butler, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Lycoming, McKean, Mercer, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- NEW! PPO Essential Care Rx (PPO) — Bedford, Blair, Cambria, Huntingdon, and Somerset
- PPO Premier Rx (PPO) — Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria, Cameron, Carbon, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lawrence, McKean, Mercer, Somerset, Venango, Warren, Washington, and Westmoreland counties
- PPO Rx Choice (PPO) — Allegheny County
- PPO Rx Choice (PPO) — Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, and Westmoreland counties
- PPO Rx Choice (PPO) — Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Forest, Jefferson, McKean, Mercer, Venango, and Warren counties
- PPO Rx Choice (PPO) — Bedford, Blair, Cambria, Huntingdon, and Somerset counties
- HMO Rx Choice (HMO) — Allegheny County
- HMO Rx Choice (HMO) — Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, and Westmoreland counties
- HMO Rx Choice (HMO) — Bedford, Blair, Cambria, Huntingdon, and Somerset counties
- HMO Rx Choice (HMO) — Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Forest, Jefferson, McKean, Mercer, Venango, and Warren counties
- HMO Rx (HMO) — Adams, Allegheny, Armstrong, Beaver, Bradford, Butler, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Lycoming, McKean, Mercer, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- HMO Rx (HMO) — Bedford, Blair, Cambria, Huntingdon, and Somerset counties
- PPO Salute (PPO) — Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Butler, Cambria, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montour, Northampton, Perry, Potter, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- HMO No Rx (HMO)
- HMO Deductible Rx (HMO)
- HMO Rx Enhanced (HMO)
- PPO High Deductible with Rx (PPO)
- PPO Rx Enhanced (PPO)
- UPMC for Life Complete Care (HMO SNP) — Western and Central PA counties
South central and northeastern PA plans
Adams, Bradford, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lehigh, Mifflin, Northampton, Perry, Susquehanna, Wayne, Wyoming, and York counties
- HMO Premier Rx (HMO) — Cumberland, Dauphin, Lancaster, Lycoming, and Tioga counties
- NEW! PPO Essential Care Rx (PPO) — Adams, Allegheny, Armstrong, Beaver, Berks, Bradford, Butler, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Lycoming, McKean, Mercer, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- PPO Premier Rx (PPO) — Adams, Centre, Clinton, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Perry, Potter, Snyder, Sullivan, and Union counties
- PPO Rx Choice (PPO)— Adams, Carbon, Centre, Clinton, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Perry, Potter, Snyder, Sullivan, Tioga, Union, and York counties
- HMO Rx Choice (HMO)— Adams, Bradford, Carbon, Centre, Clinton, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lehigh, Lycoming, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Wayne, Wyoming, and York counties
- HMO Rx (HMO) — Adams, Allegheny, Armstrong, Beaver, Bradford, Butler, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Lycoming, McKean, Mercer, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- PPO Salute (PPO) — Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Butler, Cambria, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montour, Northampton, Perry, Potter, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- HMO No Rx (HMO)
- HMO Deductible Rx (HMO)
- HMO Rx Enhanced (HMO)
- PPO Rx Enhanced (PPO)
- UPMC for Life Complete Care (HMO SNP) — Western and Central PA counties
- UPMC for Life Complete Care (HMO SNP) — Berks, Carbon, Lackawanna, Lehigh, Luzerne, Monroe, Northampton, Pike, Schuylkill, Susquehanna, Wayne, and Wyoming counties
North Central PA plans
Centre, Clinton, Lycoming, Montour, Potter, Snyder, Sullivan, Tioga, and Union counties
- NEW! PPO Essential Care Rx (PPO) — Adams, Allegheny, Armstrong, Beaver, Berks, Bradford, Butler, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Lycoming, McKean, Mercer, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- PPO Premier Rx (PPO) — Adams, Centre, Clinton, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Perry, Potter, Snyder, Sullivan, and Union counties
- PPO Rx Choice (PPO) — Adams, Carbon, Centre, Clinton, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Perry, Potter, Snyder, Sullivan, Tioga, Union, and York counties
- HMO Rx Choice (HMO) — Adams, Bradford, Carbon, Centre, Clinton, Cumberland, Dauphin, Fulton, Juniata, Lancaster, Lebanon, Lehigh, Lycoming, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Wayne, Wyoming, and York counties
- HMO Rx (HMO) — Adams, Allegheny, Armstrong, Beaver, Bradford, Butler, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Lycoming, McKean, Mercer, Mifflin, Montour, Northampton, Perry, Potter, Snyder, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- HMO No Rx (HMO)
- PPO Salute (PPO) — Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Butler, Cambria, Cameron, Carbon, Centre, Clarion, Clearfield, Clinton, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montour, Northampton, Perry, Potter, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, and York counties
- HMO Deductible Rx (HMO)
- HMO Rx Enhanced (HMO)
- UPMC for Life Complete Care (HMO SNP) — Western and Central PA counties
Southeastern PA plan
Bucks, Chester, Delaware, Montgomery, and Philadelphia counties
2025 Plan comparison guides
- Allegheny – Allegheny county
- Cumberland/Dauphin – Cumberland, Dauphin, and Lancaster counties
- Lawrence – Lawrence county
- Lycoming – Lycoming county
- North and South Central PA – Adams, Centre, Clinton, Fulton, Juniata, Lebanon, Mifflin, Montour, Perry, Potter, Snyder, Sullivan, and Union counties
- Northwestern PA – Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Forest, Jefferson, McKean, Mercer, Venango, and Warren counties
- Western PA – Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Washington, and Westmoreland counties
2025 Summary of benefits
- HMO Premier Rx – Allegheny/Southwestern PA
- HMO Premier Rx – Northwestern PA
- HMO Premier Rx – South Central PA
- PPO Essential Care Rx
- PPO Essential Care Rx and PPO Rx Choice – Johnstown/Altoona
- PPO Premier Rx – North and South Central PA
- PPO Premier Rx – Western PA
- PPO Rx Choice – Allegheny
- PPO Rx Choice – North and South Central PA
- PPO Rx Choice – Northwestern PA
- PPO Rx Choice – Southwestern PA
- HMO Rx Choice – Allegheny
- HMO Rx Choice North and South Central PA
- HMO Rx Choice – Northwestern PA
- HMO Rx Choice – Southwestern PA
- HMO Rx Choice and HMO Rx – Johnstown/Altoona
- HMO Rx
- HMO No Rx and HMO Rx Enhanced
- PPO Salute
- PPO Salute – Southeastern PA
- HMO Deductible Rx
- PPO High Deductible with Rx and PPO Rx Enhanced – Western PA
- PPO Rx Enhanced – Central PA
- UPMC for Life Complete Care – Northeastern PA
- UPMC for Life Complete Care – Southeastern PA
- UPMC for Life Complete Care – Western PA
2025 Evidence of Coverage
- HMO Premier Rx – Central PA
- HMO Premier Rx – Northwestern PA
- HMO Premier Rx – Southwestern PA
- PPO Essential Care Rx
- PPO Essential Rx – Johnstown/Altoona
- PPO Premier Rx – Central PA
- PPO Premier Rx – Western PA
- PPO Rx Choice – Allegheny
- PPO Rx Choice – Central PA
- PPO Rx Choice – Johnstown/Altoona
- PPO Rx Choice – Northwestern PA
- PPO Rx Choice – Southwestern PA
- HMO Rx Choice – Allegheny
- HMO Rx Choice – Central PA
- HMO Rx Choice – Johnstown/Altoona
- HMO Rx Choice – Northwestern PA
- HMO Rx Choice – Southwestern PA
- HMO Rx
- HMO Rx – Johnstown/Altoona
- PPO Salute
- PPO Salute – Southeastern PA
- HMO No Rx
- HMO Rx Enhanced
- HMO Deductible Rx
- PPO Rx Enhanced – Central PA
- PPO Rx Enhanced – Western PA
- PPO High Deductible with Rx
- UPMC for Life Complete Care – Northeastern PA
- UPMC for Life Complete Care – Southeastern PA
- UPMC for Life Complete Care – Western PA