A biweekly guide to help you navigate your 2015 UPMC Benefits

Issue 3 • Oct. 22, 2014

Open Enrollment Begins Next Wednesday Are you ready to make your Open Enrollment benefit elections for 2015? You have one week left to review all of the information before you submit your elections beginning 9 a.m., Wednesday, Oct. 29, through 5 p.m., Wednesday, Nov. 12. Take some time now to review the Open Enrollment pages to learn about all the available benefit options. Don’t forget that the following benefits must be elected each year:

•• PTO Buy/ PTO Sell* •• Health care flexible

spending account (FSA)

•• Dependent care FSA *Director level may sell with manager’s approval. Vice President and above level are not permitted to sell or donate PTO.

You should also take this opportunity to review the following benefits to verify whether you need to make any changes to your current elections:

•• Medical •• Dental •• Vision •• Life Insurance (make sure your beneficiaries are up to date)

•• Savings Plan

NEW VOLUNTARY BENEFITS OFFERED THIS YEAR New voluntary benefit offerings are available, so take an extra minute to review your current voluntary benefit coverage along with the new LifeLock Identity Theft Protection, Humana Whole Life, and AFLAC Group Critical Illness options. Should you have questions about any of these benefits, call UPMC DirectLink at 1-800-994-2752, menu option 5. Voluntary benefits enrollment will take place from Wednesday, Oct. 29 through Sunday, Nov. 30.

YOUR BENEFITS YOUR CHOICE 2014 1

Don’t Count on a Wildcard Earn Your Take a Healthy Step Deductible Credit Now All 38,496 seats were filled for the Pirates season-ending wildcard game. Right now, if we filled PNC Park with all the employees who have earned deductible credit by completing the annual Take a Healthy Step requirements, the stadium would be at two-thirds capacity. Let’s go for a home run and get the rest of those seats filled!

New Tool Available to Help You Make Open Enrollment Decisions Want to view a side-by-side snapshot of your 2015 medical options? You can take a tour of the medical plans by accessing the Plan Comparison link in the Open Enrollment Medical Options 2015 section on Infonet. This tool includes information, definitions, and details on:

•• UPMC Advantage Network and UPMC Health Plan Network •• Each Medical Option •• Pharmacy Benefits •• Vision Benefits •• Take a Healthy Step Requirements •• Additional services including: >> Assist America, MyHealth Advice Line, MyHealth

Community Discounts, Tobacco Cessation, Health Coaches, Health Management Programs, and Maternity Programs

•• Preventive Services •• EPO Overview •• Benefit Bands

You have until Wednesday, Nov. 12 to complete:

•• MyHealth Questionnaire (completed between Dec. 1, 2013 and Nov. 12, 2014)

•• A biometric screening (completed between Dec. 1, 2009 and Nov. 12, 2014)

•• Earn additional deductible credit dollars by

completing Healthy Step activities* between Dec. 1, 2013 and Nov. 12, 2014

Go online now to check your status by following this path: My HUB > MyHealth OnLine > MyHealth Central > Take a Healthy Step. Keep in mind you will not receive any credit** – including partial credit – unless you complete both the MyHealth Questionnaire and biometric screening by the deadline. Take the steps today to knock your 2015 deductible out of the park. *To earn the maximum deductible credit, employees with individual coverage must complete Healthy Step activities to earn an additional $600 deductible credit and employees with family coverage must earn $700 deductible credit by Wednesday, Nov. 12, 2014. **A spouse/domestic partner on the employee’s medical plan can contribute up to $300 deductible credit to the family account as long as the employee completes their MyHealth Questionnaire and biometric screening requirements.

More Tools for Your OE Toolkit Also available for your review on the Open Enrollment section of Infonet are:

•• Medical coverage videos in Benefits U •• New voluntary benefits information •• People Like You scenarios •• Take a Healthy Step – meet your requirements by the

Wednesday, Nov. 12 deadline to save on your medical plan deductible

2 YOUR BENEFITS YOUR CHOICE 2015

ISSUE 3 • Oct. 22, 2014

Medical Plan Calculator Coming Soon The Medical Plan Calculator will be available during your My HUB Open Enrollment. Use this tool to estimate your anticipated out-of-pocket costs plus your annual payroll deductions. The calculator will help you make an educated decision about the plan that best balances your health care needs and your budget.

Is the Advantage Silver Option Right for You? As you carefully consider the medical options available to you before making your Open Enrollment elections for 2015, you need to think about how many services you (and/or your family) may incur. If you elected the Advantage Gold (90/10) option for 2014, but used relatively few health services, other than a couple of PCP visits, a few lab tests, and some prescription drugs, are you paying a higher premium than you need to? Would you prefer to have a lower per-pay deduction for your medical coverage and pay a little more at the time of service? Before you make your Open Enrollment elections between Wednesday, Oct. 29 and Wednesday, Nov. 12, take a closer look at each option. You may find the Advantage Silver option is the right medical plan for you.

•• Deductible and out-of-pocket maximum are based on salary-based Benefit Bands

•• Preventive services are covered at 100% •• Reduce your individual deductible by up to

$1,000 and your family deductible by up to $2,000 by completing your Take a Healthy Step (TAHS) requirements by Wednesday, Nov. 12, 2014

•• Use UPMC Advantage Network facilities in order

to receive the highest level of coverage for services such as hospital, lab, and diagnostics (reduced benefit in the broader UPMC Health Plan Network)

•• No coverage out-of-network, except for emergencies •• Use your pretax health care FSA contributions to pay for eligible out-of-pocket expenses

The Advantage Silver plan might be right for you if you prefer to have lower payroll contributions balanced with a responsibility for a higher share of the cost when you do receive medical services.

Some things to consider when looking at this plan:

•• Lowest per-pay cost contribution •• Services such as hospital care, lab work, diagnostic imaging, and surgery are covered at 80% after you meet the annual deductible, up to the plan’s annual out-of-pocket maximum

Additional information on this plan, Benefit Bands, and all 2015 medical options can be found at Infonet.UPMC.com/MedicalOptions.

YOUR BENEFITS YOUR CHOICE 2015 3

Basic Bronze: A New Medical Option for Qualifying Staff In addition to the Advantage Silver, Gold, and HSA medical options that part-time and job share staff are eligible to elect, they also will be offered the new Basic Bronze medical option during Open Enrollment, which takes place from 9 a.m., Wednesday, Oct. 29 through 5 p.m., Wednesday, Nov. 12.

Eligible casual and limited part-time staff that have worked on average at least 30 hours per week during the previous twelve months, are eligible for the Basic Bronze medical option and will receive information in the mail at their home address regarding this new option with instructions for Open Enrollment participation.

As mandated by the U.S. government’s Affordable Care Act (ACA), this option has a schedule of benefits and features very different from the other UPMC medical options. The plan meets the meaningful vs. minimum affordability and coverage required by the ACA. Details about the Bronze Plan are available at Infonet. UPMC.com/Medical.

The UPMC Basic Bronze medical coverage will be effective on Thursday, Jan. 1, 2015. Because this medical plan meets the government ACA coverage level, those who are offered medical coverage through UPMC are not eligible for the IRS premium-tax credit and cost sharing subsidies that can be taken when not offered medical coverage by your employer.

UPMC Basic Bronze Advantage Network Deductible Hospital, diagnostic, outpatient, and other medical services

Individual

$4,000

Family Your responsibility

Coinsurance

Plan pays Out-of-Pocket Maximum

Health Plan Network $4,000

$8,000

$8,000

Advantage Network

Health Plan Network

30%

50%

70%

50%

Advantage Network

Health Plan Network

Individual

$6,600

$6,600

Family

$13,200

$13,200 Health Plan Network

PCP Visit

Your responsibility

$30 copay – 2 visits

Additional primary care or specialist visits subject to deductible.

30 day supply

90 day supply

$20

$40

Preferred Brand

$55 (after deductible)

$110 (after deductible)

Non-Preferred Brand

$90 (after deductible)

$180 (after deductible)

50% (maximum $500 per prescription, limited to 30 day supply)

n/a

Prescription Drugs Generic

Specialty

EMPLOYEE CONTRIBUTIONS (Billed Monthly by Benefit Management Services) Employee Only

9.5% of defined pay*

Employee and Child(ren)

Employee Only + $276.90

Employee and Spouse

Employee Only + 451.47

Employee and Family

Employee Only + 496.62

* Your hourly rate at the beginning of the coverage period x130

4 YOUR BENEFITS YOUR CHOICE 2015

ISSUE 3 • Oct. 22, 2014

2015 Dental Options There will not be any changes to the dental coverage for 2015. You will have the opportunity to choose from the same two UPMC Dental Advantage options available to you today. Remember, to obtain the highest level of benefits, you should use dentists that participate with the UPMC Dental Advantage network.

ARE YOU USING AN OUT-OF-NETWORK DENTIST? If your dentist is interested in joining the UPMC Dental Advantage network, he or she may call the Benefits Advisory Team at 1-877-648-9609 or you may nominate your dentist to join the network by following this online path: Infonet > My HUB > Human Resources > MyHealth OnLine > Find a Dentist (under Self-Service Quick Links at the bottom of the page on the right). Enter the name of the dentist you would like to nominate, complete the rest of the information on the page, then click Submit Request.

How to receive the maximum benefit from your dental coverage Keep in mind that:

•• Periodic diagnostic and preventive services (oral exams, x-rays, and fluoride applications — within limits) are covered at 100% with no annual deductible and will not count against your calendar year maximum benefit when you use in-network dentists under both options.

•• You don’t need a referral to see a dental specialist. You can

visit any licensed dentist of your choice. However, higher reimbursement levels and greater savings are available when you go to a participating dentist.

•• When using out-of-network dentists, the percentages listed

on page 6 represent the portion of the carrier’s maximum allowable charge the plan will pay. You will be responsible for the balance, including any difference between the allowable charge and the fee charged by an out-of-network dentist.

•• Child orthodontia is covered up to the age of 19. Adult orthodontia is not covered.

•• Pre-determination of benefits by your provider, while

not required, is strongly recommended. It is especially recommended for procedures costing more than $200, to make sure you understand your share of the costs.

continued

YOUR BENEFITS YOUR CHOICE 2015 5

continued from page 5

2015 Dental Options Continued Standard Dental PPO

Covered Services

Premium Dental PPO

In-Network

Out-of-Network

In-Network

Out-of-Network

$50 individual* $150 family*

$100 individual $300 family

$0

$50 individual $150 family

Diagnostic/preventive services

100%

80%

100%

80%

Basic services

60%

40%

80%

60%

Major services

40%

20%

50%

40%

Calendar year maximum

$1,000

$500

$1,500

$1,500

Orthodontia (Child only)

50%

50%

50%

50%

$1,000

$1,000

$1,500

$1,500

Annual deductible

Lifetime orthodontia maximum

*Deductible waived for in-network preventive/diagnostic services.

The bi-weekly and monthly per-pay deductions for 2015 dental coverage are listed below. UPMC Dental Advantage Bi-Weekly Payroll Deductions Full-time, Flex full-time

Job share, Regular part-time

Employee Only

Family

Employee Only

Family

Standard PPO

$3.69

$13.85

$5.54

$16.62

Premium PPO

$8.31

$28.15

$10.62

$32.31

UPMC Dental Advantage Monthly Payroll Deductions Full-time, Flex full-time

Job share, Regular part-time

Employee Only

Family

Employee Only

Family

Standard PPO

$8.00

$30.00

$12.00

$36.00

Premium PPO

$18.00

$61.00

$23.00

$70.00

6 YOUR BENEFITS YOUR CHOICE 2015

ISSUE 3 • Oct. 22, 2014

People Like You Understanding other people’s circumstances is a good way to think about which UPMC medical option is the right one for you. Included in this issue of Your Benefits, Your Choice are three fictional profiles. You may recognize them from last year as you will see references in their story to the medical plan option they

previously selected and hear their reasons regarding why they will or will not make a change this year. Read these scenarios carefully — they can help you evaluate your options and make the choice that is best for you, because it’s Your Benefits, Your Choice.

Vanessa | Age: 33 | Dependents: 3 Lifestyle: Daughter may need tonsils removed and Vanessa just found out she is pregnant Health Care Considerations

•• Vanessa’s daughter Sierra has been having chronic strep

throat. Her pediatrician wants her to see an Ear, Nose and Throat specialist as she believes Sierra may need to have her tonsils removed.

•• Vanessa also recently found out that she is pregnant and is due in April.

•• Vanessa will contribute $2,000 to a health care flexible

spending account (FSA) to use for her and Sierra’s health expenses in 2015.

•• Vanessa always makes sure that all of her children receive their immunizations and well visits.

Medical Plan Considerations Vanessa elected the Advantage Gold plan in 2014, and because of her upcoming 2015 medical expenses, she plans to stay with

the Advantage Gold medical coverage again for her family. She elected to put $2,000 in her FSA to help pay for her out-of-pocket expenses associated with the two anticipated hospitalizations and a new baby next year. Vanessa made sure that she completed all of her Take a Healthy Step requirements before the Nov. 12, 2014, deadline so that she would receive the maximum deductible credit of $2,000 for her family. This helped to lower her out-ofpocket costs.

Plan Selected: Advantage Gold with $2,000 in her health care FSA. Advantage Silver Benefit Band B

Advantage Gold Benefit Band B (Vanessa’s plan)

Advantage HSA

$768.04

$2,363.92

$2,435.94

$3,060.00

$1,730.00

$3,720.00

N/A

N/A

($2,000)

Vanessa’s Estimated Total Costs*

$3,828.04

$4,093.92

$4,155.94

Amount the Plan Pays on Vanessa’s Behalf

$7,260.00

$8,570.00

$4,660.00

2015 Estimated Costs

Annual Amount Deducted from Vanessa’s Paycheck Vanessa’s Estimated Out-of-Pocket Costs Minus Health Savings Account (HSA) Employer Contribution Dollars

Advantage HSA – Vanessa’s Health Savings Account UPMC HSA Employer Contribution Expected remaining HSA balance (after estimated out-of-pocket costs) Vanessa’s contribution needed to cover current year estimated out-of-pocket costs Maximum additional employee contribution allowable in 2015 *Estimated costs do not include a health care FSA or HSA contribution by Vanessa.

$2,000 $0 $3,720.00 $4,550 continued

YOUR BENEFITS YOUR CHOICE 2015 7

continued from page 7

People Like You – Vanessa Continued

Let’s fast forward to the end of 2015 and take a look at the expenses Vanessa incurred during 2015 to see if she picked the right medical coverage for her family. The expenses her family incurred during the year included copays for doctor appointments, well visits for all of the children, prescriptions, outpatient tonsillectomy for Sierra, and inpatient normal delivery for new baby Daniel.

At that time, she just was not comfortable taking the risk of paying higher coinsurance amounts out of her pocket for the medical services she was going to have during 2015. However, as she looks back at her 2015 expenses, she realizes that even during a year when several out-of-the ordinary medical services were needed, she would have saved money had she elected the Advantage Silver plan.

When reviewing her expenses over the year and comparing all three plans again, Vanessa realized that she would have paid less in total costs if she had chosen the Advantage Silver.

Vanessa ended the year with $270 left in her FSA account, which she used during the grace period when she found out her son needed to get eyeglasses.

Gerald | Age: 52 | Dependents: 0 • Rheumatoid arthritis • Experiencing flare-ups Health Care Considerations

•• Gerald has rheumatoid arthritis and gets weekly injections. •• He prefers the low payroll deduction of the Advantage Silver plan.

•• His specialty medication copay is the same with either the Advantage Silver or Gold option.

•• He is planning to contribute $1,800 a year into a health care FSA to help pay for his specialty medications, which cost $90 per month, four specialist visit copays, which are $50 per visit, and he will need bloodwork and testing, costing about $600.

•• If he has any remaining balance left in his health care FSA, he will use that toward a new pair of eyeglasses.

Medical Plan Considerations Gerald has been diligently taking his weekly injections for rheumatoid arthritis. He and his doctor are a bit concerned with some occasional swelling in his joints, so he feels his

doctor may order some additional testing and blood work next year. He made his decision based on his anticipated expenses. Gerald knows that if he needs to have additional services, such as a hospital admission, he would have a higher deductible and coinsurance than with the Advantage Gold, but he feels in the long run, the Advantage Silver plan with an FSA meets his health care needs. He also likes the savings from the lower per-pay deductions.

Plan Selected: Advantage Silver with $1,800 in his health care FSA

8 YOUR BENEFITS YOUR CHOICE 2015

ISSUE 3 • Oct. 22, 2014

2015 Estimated Costs

Annual Amount Deducted from Gerald’s Paycheck Gerald’s Estimated Out-of-Pocket Costs Minus Health Savings Account (HSA) Employer Contribution Dollars Gerald’s Estimated Total Costs* Amount the Plan Pays on Gerald’s Behalf

Advantage Silver Benefit Band B (Gerald’s plan)

Advantage Gold Benefit Band B

Advantage HSA

$288.08

$887.90

$1,115.92

$1,880

$1,615

$2,666.00

N/A

N/A

($1,000)

$2,168.08

$2,502.90

$2,781.92

$22,520.00

$22,850.00

$20,934.00

Advantage HSA – Gerald’s Health Savings Account UPMC HSA Employer Contribution

$1,000

Expected remaining HSA balance (after estimated out-of-pocket costs)

$0

Gerald’s contribution needed to cover current year estimated out-of-pocket costs

$1,666.00

Maximum additional employee contribution allowable in 2015

$2,350

*Estimated costs do not include a health care FSA or HSA contribution by Gerald.

People Like You – Gerald

As Gerald expected, 2015 was a year in which he continued taking his weekly injections, seeing his specialist for several follow-up appointments due to his rheumatoid arthritis flare-ups, and getting some lab work and testing done. The $1,800 he contributed to his health care FSA on a pre-tax

basis to help pay for his out-of-pocket expenses, along with the smaller per-pay deductions for the Advantage Silver plan met his needs in 2015. He used all of his 2015 health care FSA to pay for his expenses and only had to pay $80 out-of-pocket.

YOUR BENEFITS YOUR CHOICE 2015 9

Kathleen | Age: 54 Dependents: Spouse Don, age 55 Lifestyle: Very active. Empty-nesters. Health Care Considerations: •• Gets all preventive screenings that are covered 100% when using in-network providers

•• During a late fall rainstorm, Kathleen fell and tore her

meniscus, which will need to be repaired in early January. She will need pre-surgical testing, several prescriptions filled, and physical therapy. She also anticipates her husband will see his doctor a few times next year and also will need a few prescriptions.

•• Feels that she is in a good position to save money for future health care expenses

•• Kathleen completes her Take a Healthy Step requirements

months before the November deadline, and completed several recommended activities for her age/gender which put her well over the deductible credits needed for this year.

Medical Plan Considerations: Kathleen elected the Advantage HSA medical option in 2014 and saved almost $5,500 in her health savings account (HSA)!

She hopes to retire in about 12 years, so she wants to continue saving now for medical expenses she and her husband may incur in the future. She will again maximize her HSA by contributing $4,650 through pre-tax payroll deductions. Combined with UPMC’s contribution of $2,000, she will meet the IRS 2015 maximum amount of $6,650. Kathleen and Don have learned to be more cost-conscious when seeking services by asking questions and comparing the cost of services. Kathleen and Don continue to maintain their health and have joined a gym to remain physically active during the cold winter months. They both like to garden and joined a walking club to stay active in warmer months. Kathleen hopes to use her HSA account to support their future health care needs in retirement.

Plan Selected: Advantage HSA with $4,650 contributed into the HSA account. Advantage Silver Benefit Band C

Advantage Gold Benefit Band C

Advantage HSA (Kathleen’s plan)

$719.94

$2,232.10

$2,435.94

$1,689.68

$1,051.96

$3,206.11

N/A

N/A

($2,000)

Kathleen’s Estimated Total Costs*

$2,409.62

$3,248.06

$3,642.05

Amount the Plan Pays on Kathleen’s Behalf

$2,773.38

$3,411.10

$1,256.95

2015 Estimated Costs

Annual Amount Deducted from Kathleen’s Paycheck Kathleen’s Estimated Out-of-Pocket Costs Minus Health Savings Account (HSA) Employer Contribution Dollars

Advantage HSA – Kathleen’s Health Savings Account UPMC HSA Employer Contribution Expected remaining HSA balance (after estimated out-of-pocket costs) Kathleen’s contribution needed to cover current year estimated out-of-pocket costs Maximum additional employee contribution allowable in 2015 *Estimated costs do not include a health care FSA or HSA contribution by Kathleen.

10 YOUR BENEFITS YOUR CHOICE 2015

$2,000 $1,443.89 $0 $4,650 continued

ISSUE 3 • Oct. 22, 2014

People Like You – Kathleen Continued Let’s fast-forward to the end of 2015 and see if the medical option Kathleen selected was the best option for her and her husband. Her goal was to reduce her taxable income and save for future health expenses, and she succeeded!

she now has almost $7,000 in her HSA. If she continues to contribute at least $4,650 per year, Kathleen could have over $73,000 (assuming a 6% rate of return on her investments) in her HSA account when she retires in 12 years.

Kathleen and Don spent $3,206.11 in out-of-pocket health care expenses, and by using the UPMC contribution and her additional HSA contribution for these expenses, they had $1,443.89 remaining from her 2015 HSA account balance. Kathleen also had saved $5,500 in her HSA account from 2014, and when added to her remaining $1,443.89 balance,

If she had chosen the Advantage Gold or Advantage Silver plan, she could have paid her expenses using pre-tax dollars by electing a health care FSA; however with almost $1,700 in expenses under the Advantage Silver and over $1,000 under the Gold, she would experience some tax savings, but she would not have met her goal of saving for future health expenses.

End of Year Black-Out Period for Health Care FSA Debit Cards If you have a health care flexible spending account (FSA), be aware that you will not be able to use your current FSA debit card between Monday, Dec. 22 and Wednesday, Dec. 31. UPMC Health Plan will be moving to a new FSA system effective Thursday, Jan. 1, 2015. In order to ensure a smooth transition, UPMC Health Plan will need to suspend use of the current FSA cards beginning on Dec. 22, 2014 to transfer current balances and data. You will not be able to use your current card after midnight on Dec. 21. You will still be able to incur expenses, but will need to use other payment methods and be reimbursed during this “Black-Out” period by submitting a paper claim. You will receive a new UPMC Flex Advantage health care flexible spending account (FSA) card for 2015 in early December. The new card, that will contain a VISA logo, will not be available for your use until Jan. 1, 2015.

YOUR BENEFITS YOUR CHOICE 2015 11

Visit a Benefits Fair Near You Open Enrollment, your annual opportunity to make your benefit elections, will take place this fall from Wednesday, Oct. 29, through Wednesday, Nov. 12. Benefits fair are a great place to ask questions and talk with experts about your UPMC benefits. All UPMC employees are welcome to attend any benefits fair at one of the many locations now through early November.

Add a Reminder to Your Outlook Calendar When you access the Benefits Fair schedule on Infonet, you have the ability to add the event to your Outlook calendar. Simply select your preferred fair location, click on it to review the time and location details, then click on “Add to my Outlook calendar.”

deductible credit dollars to help you complete your 2015 Take a Healthy Step requirements by the Wednesday, Nov. 12, 2014 deadline and reduce your 2015 medical plan deductible. Fairs taking place through Oct. 31:

•• Employee Transit Garage/South Side Distribution Center Thursday, Oct. 23, 1 to 4 p.m., Breakroom

•• UPMC Hamot

Friday, Oct. 24, 10 a.m. to 2 p.m. Employee Dining and Ground Floor Conference Room

•• UPMC Passavant/Cranberry and Cranberry Place

Monday, Oct. 27, 8 a.m. to 4 p.m., Green Room, Cranberry Place

•• UPMC Bedford Memorial

Tuesday, Oct. 28, 6 a.m. to 4 p.m., Cafeteria

•• Bakery Square

Tuesday, Oct. 28, 9 a.m. to 3 p.m., Kaufmann’s Clock Area

At the fairs, you can learn more about:

•• 2015 medical plan options •• Other UPMC provided benefits,

including three new voluntary plans

•• UPMC Savings Plan retirement benefits Many fair locations also will be offering free flu shots. Flu shots not only help protect you, your family, co-workers, and patients from influenza, but also provide the opportunity to earn $300

•• UPMC Altoona

Wednesday, Oct. 29, 7:30 a.m. to 4 p.m. Allegheny, Bedford, and Rotunda Rooms

•• UPMC Altoona

Thursday, Oct. 30, 7:30 a.m. to 4 p.m. Allegheny, Bedford, and Rotunda Rooms

•• Station Medical Center (Altoona Physician Group) Friday, Oct. 31, 8 a.m. to 2:30 p.m., Mall Area

The benefits described in this newsletter provide a general overview of the standard benefits available to most UPMC employees, but may not apply to all staff members. Physicians and members of collective bargaining units should refer to the terms of their contracts for information regarding their eligibility for UPMC benefits.

12 YOUR BENEFITS YOUR CHOICE 2015

Copyright 2014 UPMC Health Plan, Inc. All rights reserved. BEN413804 IB/SO 10/14