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Two important health care plans that work together to give you better coverage

UPMC Health Plan has two plans that work together to provide you with your health care coverage—UPMC for Life Complete Care 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 Complete Care 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 Complete Care (HMO SNP) is a Medicare Advantage plan that gives you medical and prescription drug coverage. UPMC for Life Complete Care acts as your primary health care coverage. You will get additional benefits, including an over-the-counter allowance (OTC) to buy health care products, vision care, dental care, hearing care, transportation services, a free gym membership, and home-delivered meals. Members with diabetes also have an allowance to buy healthy foods.
  • 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 Complete Care 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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Dental Coverage

UPMC for Life Complete Care:
  • $0 copay for two oral cleanings and exams every year.
  • A $3,000 or $5,000 yearly allowance (depending on your plan) for additional dental services.
UPMC Community HealthChoices:
  • $0 copay for two oral cleanings and exams every year.
  • Restorations (fillings) and tooth removal.
  • Up to a $500 yearly allowance for certain dental services.

Vision Coverage

UPMC for Life Complete Care:
  • $0 copay for one routine vision exam each year.
  • A $100 or $400 yearly allowance (depending on your plan) for eyewear or contact lenses.
UPMC Community HealthChoices:
  • $0 copay for two routine vision exams each year
  • Specialist eye exam with PCP prescription
  • Up to a $100 yearly allowance for eyewear or contacts

Gym Benefits

UPMC for Life Complete Care: Unlimited FREE gym memberships to participating fitness facilities plus one free personal training session each year. The option to work out from the safety of home with in-home fitness kits.

Over-the-counter Allowance

UPMC for Life Complete Care: A $900 or $1,400 yearly allowance (depending on your plan) to buy health and wellness items you use every day.

Healthy Food Allowance

UPMC for Life Complete Care: A $50 allowance per quarter – $200 a year – to buy healthy foods at participating stores for members with diabetes. We’ll mail your healthy food card, a list of participating stores, and information about the kinds of healthy foods you can buy at the end of the year.

Transportation Benefit

UPMC for Life Complete Care: Depending on your plan, 12 or 50 one-way trips (6 or 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

Bathroom Safety Benefits

UPMC for Life Complete Care: 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.

Hearing Benefits

UPMC for Life Complete Care:
  • $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.

Inpatient and Outpatient Medical Services

UPMC for Life Complete Care:
  • $0 copay for inpatient medical services
  • $0 copay for outpatient medical services
UPMC Community HealthChoices:
  • $0 copay for inpatient medical services
  • $0 copay for outpatient medical services

Part D Prescription Drug Coverage

UPMC for Life Complete Care:
  • $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.

24/7 Health Care Access

UPMC for Life Complete Care:
  • $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 via UPMC AnywhereCare


*UPMC for Life Complete Care benefits must be used before UPMC Community HealthChoices benefits can be used.



View our Caring for Life eNewsletter to learn more:

Learn more about the UPMC for Life Complete Care plan available in your area

Learn more about UPMC Community HealthChoices
This information is not a complete description of benefits. Call 1-844-575-8241 (TTY: 711) for more information.

This information is available for free in other languages. Please call our customer service number at: 1-800-606-8648 (TTY: 711).

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.

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 Complete Care Members
Call us toll-free: 1-800-606-8648
TTY: 711

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

April 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 Complete Care Prospective Members
Call us toll-free: 1-844-575-8241
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: 10/1/2020
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