In Western Pennsylvania, both UPMC Health Plan and Highmark Blue Cross Blue Shield offer medical plan options for individuals and families. When shopping for plans, it is important to consider several factors:

• Are my doctors and/or preferred hospitals in network? Both Highmark and UPMC Health Plan offer plans with varying levels of access to providers. Typically, the smaller the provider network, the lower the premium. UPMC's Partner network is the smallest network of providers and carries the lowest cost. r Explain other network options. Not all plan options are available in all counties, so it is important to look for options specifically available in your county. WE STRONGLY RECOMMEND THAT YOU VERIFY YOUR PROVIDERS PARTICIPATE WITH YOUR PLAN BEFORE COMPLETING THE ENROLLMENT PROCESS. You can verify providers for UPMC at xxx xxx xxxx and for Highmark at xxx xxx xxxx
• Do I need coverage from out of network doctors and hospitals? Both carriers also offer plans that provide coverage when seeking care out of network (PPO) but those always carry a higher premium cost than a plan that only covers care in network (EPO).
• How much do I typically use my coverage? If you rarely use your insurance coverage and purchase it to cover you "just in case", you may want to consider a lower cost option with higher deductibles and out of pocket maximums. If you are someone who regularly visits the doctor or has chronic or recurring medical issues, you may prefer to select a plan with a little higher premium but lower copays and deductible associated with seeking care.

IMPORTANT: Because you are being offered affordable coverage as determined by the Department of Labor, you are not eligible to receive a government subsidy on Pennie. If you apply for and receive a subsidy on Pennie, you may be required to pay this back during tax time.

Shop and compare UPMC Health Plan options - Shop Individual & Family Plans | UPMC Health Plan

Shop and compare Highmark Blue Cross Blue Shield Options - Zipcode gate login (highmark.com)

Neither Sample Employer or NFP endorse any carrier or plan options.

NFP Advisors are available to discuss coverage options with you. Please use this calendly link to schedule time with an Individual Insurance Advisor fi you are unsure which plan would be best for you.