Once you are retired and turn 65, active coverage discontinues.  At age 65, you may enroll in University sponsored programs that “complement” traditional Medicare.  These programs include Highmark’s Signature Blue and the UPMC Health Plan’s National Complementary Program.  Five other programs, a Health Maintenance Organization (HMO) and four Preferred Provider Organizations (PPOs), serve as a replacement to traditional Medicare plans.  These plans are referred to by several names including Medicare Advantage Plan, Medicare Replacement Plans, Medicare Risk Plans, and Medicare Part C. 

In general, the replacement plans operate in a similar way to the active faculty and staff plans.  No matter which plan you choose, you are still responsible for the Medicare Part B payment that is deducted from your Social Security check.

Summary chart of the five Medicare replacement plans

For greater detail on each and the “official” chart, please refer to the material provided by the insurance carriers.