Medical Plans

COVID-19: Contacting the Benefits Department

In response to the COVID-19 pandemic, the Office of Human Resources is working remotely until further notice. During this time, Craig Hall is not open to the public; walk-ins will not be accepted and forms cannot be dropped off in-person or faxed. During this time, we recommend submitting all requests and inquiries online in lieu of sending physical mail or leaving phone messages.

If you have a Benefits-related inquiry, including the submission of forms or documentation, the quickest way to receive assistance is to submit an online request.

All information presented on this page, including links to plan documents and descriptions, is specific to the plan year of July 1, 2020 - June 30, 2021.

Pitt employees may choose among four medical benefit plans offered by UPMC Health Plan, including a health maintenance organization (HMO) plan and three preferred provider organization (PPO) options that provide greater flexibility to meet specific health care needs. All four plans offer a broad range of comprehensive benefits, including wellness and preventative-care benefits and the same Prescription Drug Program.

Medical Plan Rates and Descriptions

View the current plan year’s rates (July 1, 2020 - June 30, 2021)

Panther Gold HMO

The most popular of Pitt's medical plans, Panther Gold HMO does not carry an annual deductible or co-insurance. Members are responsible for copayments except for wellness and preventative care services.

Panther Gold with Advantage Network - Applies to Oakland and Titusville campuses only | Schedule of Benefits | Summary of Benefits and Coverage (SBC) | SBC for MHSF

Panther Gold Plan - Applies to Bradford, Greensburg and Johnstown campuses only | Schedule of Benefits | Summary of Benefits and Coverage (SBC)  | SBC for MHSF

Panther Advocate

The Panther Advocate PPO/HIA offers a broad array of health incentives that rewards members for making healthy choices. Health credits are placed in to a health incentive account (HIA) when members complete healthy activities.  The credits in the HIA are then applied to offset out-of-pocket costs such as the deductible, coinsurance and prescription drug copayments.

Schedule of Benefits | Summary of Benefits and Coverage (SBC) | SBC for MHSF 

Panther Plus

The Panther Plus PPO provides 80 percent co-insurance coverage after meeting the annual deductible.

Schedule of Benefits | Summary of Benefits and Coverage (SBC) | SBC for MHSF 

Panther Basic

The Panther Basic PPO Plan has been adjusted to meet the requirements of a Qualified High Deductible Health Plan (QHDHP).  This plan now allows the participants the option to open a new Health Savings Account (HSA).

Please note: you cannot participate in/contribute to the HSA through the Panther Basic plan if you or your spouse/domestic partner are age 65 or older and enrolled in Medicare.

Schedule of Benefits | Summary of Benefits and Coverage (SBC) | SBC for MHSF

UPMC PPO-PA Child Welfare Training Program

This plan is available only to faculty and staff in the Pennsylvania Child Welfare Training Program located in Mechanicsburg, PA. 

Schedule of Benefits | Summary of Benefits and Coverage (SBC) | Premium Rates

UPMC and Wellness Resources

Find a UPMC Physician or Facility

Searching for a new doctor or facility or want to know if your current doctor takes a certain medical plan? Learn how to find a UPMC physician or facility.

Obtain a Temporary Medical Card

If you need access to a temporary medical card, you can view or print one online. Learn how to obtain a temporary medical card.

You can also access your medical card from the UPMC Health Plan mobile app.

Wellness for Life Health Incentives

Faculty and staff can participate in the Wellness Incentives program by earning reward dollars for every healthy activity you complete. Get more information about the Wellness Incentive program and how you can earn rewards for your healthy activities.

Coverage and Additional Documentation

Certificate of Coverage

The Certificate of Coverage establishes the terms of coverage for your health benefit plan. The Certificate of Coverage explains:

  • Steps for adding a dependent to your plan
  • Steps for submitting a claim
  • Steps for filing an appeal
  • Description of Covered Services
  • Exclusions
  • Steps for resolving disputes with UPMC Health Plan

Certificate of Coverage (HMO)
Certificate of Coverage (PPO)
Certificate of Coverage for MHSF (HMO)
Certificate of Coverage for MHSF (PPO)

Employer-Provided Health Coverage - Form 1095-C

The Affordable Care Act includes an individual mandate that requires most Americans to obtain and maintain health insurance each month or pay a tax penalty. The penalty for not having coverage will be paid on your Federal Income Tax Returns for each full month you, or a family member, does not have health insurance.

The Affordable Care Act requires employers to send Form 1095-C to certain employees. This form contains detailed information about your health care coverage. The IRS will use the information reported on your 1095-C to determine whether you will pay a penalty for failing to have health care coverage as required by the Patient Protection and Affordable Care Act. If you received an Advance Premium Tax Credit, the information on the form will also help the IRS determine if you should repay any of the tax credit or receive an additional credit.

Understanding Form 1095-C 

Visit to learn more about the codes on the document.

To obtain a duplicate of Form 1095-C, please contact the Benefits Department.

If you have additional questions about your Form 1095-C, please contact the University of Pittsburgh’s Benefits Department. You may also visit or to learn more.

Please visit this page for more information about the Form 1095-C.

Autism Spectrum Disorders Coverage

The UPMC medical benefit plans cover all eligible members under the age of 21 for the diagnostic assessment and treatment of Autism Spectrum Disorders. Please refer to the Autism Spectrum Disorders Certificate of Coverage to review the covered services, definitions, and procedures.

Coverage for Eligible Dependent Children

Under the University of Pittsburgh insurance plans, children, up to the age of 26, are eligible for medical, dental, and vision coverage under their parent's insurance, provided they meet the requirements under the Patient Protection and Affordable Care Act.

Hearing Aid Coverage for Dependent Children

In the state of Pennsylvania, children (up to age 21) with significant, permanent, or longstanding hearing loss are provided with bilateral hearing aids through the Medical Assistance (MA) state program regardless of income. Providers bill the primary insurance first and whatever is not paid is then billed to the MA program. Medicaid pays in a bundled fashion (device + services); hearing aid companies all have “Medicaid” pricing (significantly reduced compared to typical pricing) that is offered if the provider indicates that they are providing hearing aids to an individual receiving Medicaid. This program ends when the young person turns 21 and then most of these individuals will not have insurance coverage to continue their hearing health care other than for hearing testing. With questions or for more information, please contact:

Children’s Hospital of Pittsburgh of UPMC
Audiology and Speech-Language Pathology
(412) 692-5580

Out-of-Area Coverage for Eligible Dependent Children

Enrolled dependent children and adult dependents up to age 26 that live or attend school outside of Western Pennsylvania have access to more than 5,000 facilities and 700,000 physicians nationwide through PHCS Multiplan and through SuperMed in Ohio.  The national pharmacy network includes more than 30,000 independent and retail chain pharmacy locations. Please refer to the following list of frequently asked questions to understand how to access care and to find a variety of ways to contact UPMC and Assist America.

To find a provider: 

  1. Go to
  2. At the top, right hand corner of the page, hover over the orange ‘Doctors’ icon
  3. Choose ‘Medical’ from the drop down menu
  4. Enter the Zip Code and a radius to search
  5. Under 'Know Your Plan Name?' choose ‘Coverage Through Your Employer’ from the drop down menu as the Coverage Type.Choose “Plan Name” using the drop down and select “Out of Area PPO/EPO"
  6. Scrolling down past the “Find Provider Now”, the following message will appear in the Search Results when a zip code is entered that falls outside of the UPMC Health Plan network service area: “You have selected an Out of Area plan.”
  7. Continue to scroll down to 'Find a doctor outside Western Pennsylvania', click the gray box that reads ''All Other Members-Care Outside Western Pa. and Ohio'
  8. You will be automatically routed to the MultiPlan page to search the PHCS and Multiplan Networks for participating providers
  9. If you are searching in a Ohio, click the Gray box "Care in Ohio" to search the SuperMed network.

Review screenshot instructions to search within the PHCS/Multiplan.

To find a pharmacy:

  1. Go to
  2. At the top, right hand corner of the page, hover over the red ‘Hospital/Rx’ icon
  3. Choose ‘Pharmacy’ from the drop down menu
  4. Under the ‘Select Type of Pharmacy Coverage’ field, confirm that ‘Coverage through your Employer’ is auto populated
  5. Click the purple ‘Express-Scripts Pharmacy’ box
  6. You will be automatically routed to a white homepage that reads ‘Located a pharmacy’ at the top
  7. Enter your Zip Code or City/State
  8. Click the blue ‘Locate Pharmacy’ button

Dependent college students are also covered for urgent and emergent care obtained on or near their campus locations (i.e. Student Health Clinic), even if the provider is not participating with one of these networks. 

Additional Resources

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Please visit the Glossary of Terms page for commonly used medical terms and definitions.