UPMC for Life

Plan year 2027 · Source: CMS · Checked October 30, 2026

What this company offers

UPMC for Life filed 28 Medicare Advantage plans with Medicare for 2027. Its plans are sold in two states: Ohio and Pennsylvania. Its parent in Medicare's file is UPMC Health System. The exact plans on offer change from one county to the next.

The company sells these kinds of plans:

• HMO plans (18)
• PPO plans (10)

Its HMO plans keep care inside the network, and you choose a main doctor. Its PPO plans let you see doctors outside the plan's network, but you often pay more when you do.

The company sells no special needs plans under this name for 2027. Medicare's file also lists a separate seller name, UPMC for Life Complete Care, which sells its own plans. Those plans are not part of this page. Three of the plans on this page are sold without drug coverage. Read the plan name with care, because a plan with no drug coverage leaves you to find drug coverage some other way.

What its plans cost

Of its 28 plans, 7 charge no monthly premium at all, although you still pay your Part B premium each month, just as you would with any Medicare Advantage plan. Plan premiums across the company run from $0 to $295 a month. That range comes from the 25 plans that carry a combined premium in Medicare's file. The 3 plans sold without drug coverage carry no combined premium in the file, so no combined price is shown for them here.

A $0 premium does not mean $0 care. Each plan has its own copays. Each plan also has its own yearly limit on what you pay out of pocket for covered care. Those numbers change from plan to plan. The plan pages in this section show the exact numbers for each plan, straight from Medicare's own files.

Star ratings

Medicare rates each contract from 1 to 5 stars, and this company's contracts all carry 4.5 stars for 2027. The rating belongs to the contract and not to the brand as a whole, so check the star rating on the plan page and not just the company name.

How to shop this company

Start with your county, because Medicare Advantage plans are sold by county. Then check three things before you decide: your doctors are in the plan's network, your drugs are on the plan's drug list, and the yearly cost limit fits your budget.

Some care needs approval before the plan will pay for it, so read how approval for home health works in a Medicare Advantage plan before you count on care at home. If you ever need hospice care, Medicare covers hospice under Part A in every plan — see what Medicare hospice covers, in the hospice guide.

This page is a guide, not a sales tool, and Care and Living Guide does not sell or enroll anyone in a plan. When you are ready to sign up, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.

More detail about this company

UPMC for Life sells Medicare Advantage plans under its parent, UPMC Health System, and Medicare's 2027 file lists 28 of its plans sold in Ohio and Pennsylvania. 25 of those plans include prescription drug coverage, and 0 are special needs plans. Medicare's file does not give the year this company first sold Medicare plans, so this page states no start year rather than guessing one.

For help with a plan from this company, start with Medicare.gov: its Plan Finder lists this company's plans for your ZIP code, and each plan's page there links to the plan's own Summary of Benefits and to the company's official Medicare pages, which carry its member phone number and hours. You can also call 1-800-MEDICARE at any hour. This page does not copy a phone number from an ad or a sales page.

Who this company may fit: its fit turns on your county, your doctors, and your drugs, so check those three things first.

You can join most Medicare Advantage plans for 2027 during the yearly enrollment period, October 15 to December 7, 2026. If you already have a Medicare Advantage plan, you can switch plans or go back to Original Medicare from January 1 to March 31. A move or another big life change can open a special window of its own. To join, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent. Care and Living Guide does not sell or enroll anyone in a plan.

Detail sources for this section, checked October 30, 2026: Medicare.gov (Plan Finder and enrollment guidance) and SSA.gov (enrollment periods). Those sources add context only. Every figure on this page still comes from CMS.

Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.