Medicare Advantage · HMO
UPMC for Life
Plan year 2026

UPMC for Life HMO Deductible Rx H3907-037 (HMO)

4.5 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$22
+ your Part B premium
Max out-of-pocket
$6,000
in-network annual cap
Primary care
$0
per visit copay
Specialist
$25
per visit
This plan includes a Part B giveback, which lowers what you pay for your Medicare Part B premium by up to $1 a month. Depending on how you pay Part B, the reduction may appear in your Social Security payment or on your Part B bill. That is up to $12 a year. Processing can take time; confirm the amount and timing with the plan.

Your costs at a glanceIn-network, for the 2026 plan year

Medical deductible
$750
Rx deductible
$175
Inpatient hospital
$300
per stay
no limit on covered hospital days
Inpatient mental health
$300
per stay
Outpatient surgery
$125
Emergency room
$130
Urgent care
$50

What's included, and what it's actually worth4 benefits included. Tap any card for the detail

Part B giveback

$1/month
DetailsThis plan includes a Part B giveback, which lowers what you pay for your Medicare Part B premium by up to $1 a month.
Processing can take time; confirm the amount and timing with the plan.

Hearing

$690–$1,890copay per hearing aid
Details$690–$1,890 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Vision

$250/yr eyewear allowance
Eyewear allowance$250/yr eyewear allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.
See more details about this plan
Doctor Visits: PCP$0 copay
In-network$0 copay per visit
Doctor Visits: Specialist$25 copay
In-network$25 copay per visit
Inpatient Hospital$300 per stay
In-network$300 per stay
Benefit limitNone — additional covered days are unlimited
Outpatient Surgery$125 copay
In-network$125 copay per procedure
Mental Health$300 per stay
Inpatient psychiatric$300 per stay
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Your plan's drug tiers30-day retail · after any applicable deductible

Tier 1
$0
Preferred Generic
Tier 2
$0
Generic
Tier 3
25%
Preferred Brand· after deductible
Tier 4
49%
Non-Pref Brand· after deductible
Tier 5
31%
Specialty· after deductible

Our take

Where this plan shines

See your primary doctor for $0.
The specialist copay ($25) is among the more affordable options.
Highly rated by CMS (4.5 stars).

Things to know before you enroll

This plan’s out-of-pocket maximum is above the national median.
Network restriction — you’ll need to use in-network providers except in emergencies.
Limited coverage while traveling outside the plan’s service area.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about UPMC for Life HMO Deductible Rx (HMO)

What does UPMC for Life HMO Deductible Rx (HMO) cover?

UPMC for Life HMO Deductible Rx (HMO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 5 formulary tiers. Published supplemental benefits include vision ($250/yr eyewear allowance), hearing ($690–$1,890 copay per hearing aid), and meals (Meal benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does UPMC for Life HMO Deductible Rx (HMO) cost in 2026?

The published 2026 monthly plan premium for UPMC for Life HMO Deductible Rx (HMO) is $22. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The listed medical deductible is $750. The listed Part D deductible is $175. The in-network medical out-of-pocket maximum is $6,000; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $25. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with UPMC for Life HMO Deductible Rx (HMO)?

CMS lists UPMC for Life HMO Deductible Rx (HMO) as a HMO plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Check your doctors

Does UPMC for Life HMO Deductible Rx (HMO) cover my prescriptions?

UPMC for Life HMO Deductible Rx (HMO) has 5 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $0, Tier 3 at 25%, Tier 4 at 49%, and Tier 5 at 31%. The listed Part D deductible is $175. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does UPMC for Life HMO Deductible Rx (HMO) include?

The current plan record for UPMC for Life HMO Deductible Rx (HMO) lists vision ($250/yr eyewear allowance) and hearing ($690–$1,890 copay per hearing aid). The current data does not list dental as offered benefits. It also lists a Part B premium reduction of $1 per month. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

When can I enroll in UPMC for Life HMO Deductible Rx (HMO)?

UPMC for Life HMO Deductible Rx (HMO) is a 2026 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

More plan options

Browse the full 2026 Medicare Advantage with drug coverage directory. This plan is offered in Ohio and Pennsylvania. Plan availability can vary by county.

Helpful next steps