A non-government entity
UPMC for Life PPO Salute (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UPMC for Life PPO Salute (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UPMC for Life PPO Salute (PPO) in 2026, please refer to our full plan details page.
UPMC for Life PPO Salute (PPO) is a PPO plan offered by UPMC Health System available for enrollment in 2025 to people living in Western, Central, and Northeastern Pennsylvania. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UPMC for Life PPO Salute (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UPMC for Life PPO Salute (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For UPMC for Life PPO Salute (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $45.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for UPMC for Life PPO Salute (PPO)
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Drug Coverage
Prescription drugs are not covered by UPMC for Life PPO Salute (PPO).
Additional Benefits
The UPMC for Life PPO Salute (PPO) plan provides broad medical coverage with no copays for primary care, specialist visits, and outpatient services, though a 20% coinsurance generally applies. Emergency and urgent care services are covered with no copay and a 20% coinsurance, while inpatient hospital stays require Medicare-defined cost-sharing with no coinsurance. Additionally, home health services are fully covered with no copay and no coinsurance. For supplemental care, the plan offers routine dental services with no copays, featuring preventive dental at no coinsurance and comprehensive dental at a 50% coinsurance. Vision and hearing exams are covered with no copays and a 20% coinsurance, with extra benefits including a $300 annual eyewear allowance and prescription hearing aid copays. Members can also access over-the-counter items and meal benefits with no copay and no coinsurance.
Inpatient Hospital See details
UPMC for Life PPO Salute (PPO) partially covers inpatient acute and psychiatric hospital services with no coinsurance, subject to Medicare-defined cost-sharing and prior authorization. Additional hospital days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by UPMC for Life PPO Salute (PPO) with no copays, though a 20% coinsurance and prior authorization are required for outpatient hospital, ambulatory surgical center, and outpatient substance abuse services. Outpatient blood services are fully covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by UPMC for Life PPO Salute (PPO) with no copay and a 20% coinsurance.
Ambulance and Transportation Services See details
UPMC for Life PPO Salute (PPO) covers ambulance services with prior authorization, requiring no copay, a 20% coinsurance for air ambulance services, and no coinsurance to 20% coinsurance for ground ambulance services. Transportation services to health-related locations are not covered.
Emergency Services See details
UPMC for Life PPO Salute (PPO) covers emergency services with a 20% coinsurance (up to $115 per visit, waived if admitted to the hospital within 3 days) and no copay, as well as urgently needed services with a 20% coinsurance (up to $40 per visit) and no copay. Worldwide emergency services are also covered, featuring a $115 copay and no coinsurance for emergency care, a $40 copay and no coinsurance for urgent care, and a 20% coinsurance with no copay for emergency transportation.
Primary Care See details
UPMC for Life PPO Salute (PPO) covers primary care, specialist visits, therapy, and mental health services with no copay and a 20% coinsurance, with telehealth services ranging from no coinsurance to 20% coinsurance. Podiatry and chiropractic services are not covered under this plan.
Preventive Services See details
UPMC for Life PPO Salute (PPO) partially covers preventive services, offering Medicare-covered preventive care and select additional benefits like counseling and memory fitness with no copay and no coinsurance. However, services such as kidney disease education and glaucoma screenings require a 20% coinsurance with no copay, and several benefits including annual physical exams, health education, and weight management programs are not covered.
Hearing Services See details
Hearing services are covered by UPMC for Life PPO Salute (PPO), featuring annual routine hearing exams with no copay and a 20% coinsurance, and annual fitting evaluations. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $690 to $1,890 for up to two devices per year, while over-the-counter, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
UPMC for Life PPO Salute (PPO) vision services are partially covered with no copays or deductibles, though a 20% coinsurance applies to routine eye exams and contact lenses. Covered benefits include an annual routine exam, a contact lens fitting, and a $300 annual combined allowance for contact lenses or complete eyeglasses, while individual eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
UPMC for Life PPO Salute (PPO) provides partially covered dental services with no copays for all covered benefits, though sub-services like fluoride, implants, and orthodontics are not covered. Covered Medicare dental services require a 20% coinsurance, preventive services have no coinsurance, and comprehensive services carry a 50% coinsurance up to a $5,000 annual maximum.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by UPMC for Life PPO Salute (PPO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the UPMC for Life PPO Salute (PPO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by UPMC for Life PPO Salute (PPO) with no copays, although prior authorization is required. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts require a 20% coinsurance, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
UPMC for Life PPO Salute (PPO) partially covers diagnostic services and covers radiological services, requiring prior authorization for both with no copay and a 20% coinsurance. Diagnostic procedures, radiological services, therapeutic radiology, and outpatient X-rays are covered under this plan, but laboratory services are not covered.
Home Health Services See details
Home Health Services are covered by UPMC for Life PPO Salute (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
UPMC for Life PPO Salute (PPO) covers some Cardiac Rehabilitation Services with no copay, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UPMC for Life PPO Salute (PPO) with no coinsurance and Medicare-defined copays, though prior authorization is required. The plan allows SNF admission without a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UPMC for Life PPO Salute (PPO) partially covers other services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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