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.
For greater detail on each plan, please refer to the material provided by the insurance carriers for the appropriate calendar year.
Calendar Year 2020
Calendar Year 2021
Plan Descriptions by Carrier
Prescription Drug Plans and Cost Schedules
Each of the University-sponsored retiree medical plans includes prescription drug coverage. Retirees should not separately purchase prescription drug coverage as the University-sponsored plans meet the standards for creditable coverage required by federal regulations and guidelines.