Medical Plans-HR @ Carnegie Mellon University - Carnegie Mellon University

Medical Plans

Medical Plan Rates

Medical Plan Options

We offer several types of medical insurance plans. View a Coverage Comparison Chart of our plans.

Preferred Provider Organization (PPO)
Available through UPMC or Highmark
PPO plans give you the flexibility to use in- or out-of-network providers without referrals. A higher level of benefits is provided when in-network providers are used, resulting in lower out-of-pocket costs for you.
High Deductible PPO with Health Reimbursement Account (HRA)
Available through UPMC and Highmark
The High-Deductible plan is similar to the PPO plans but has a higher deductible and lower monthly premium. CMU funds a Health Reimbursement Account (HRA) that you can use to help pay for eligible deductible expenses. You will pay out-of-pocket for any charges that exceed your HRA balance before the deductible is satisfied. Once your health care expenses for the year exceed your deductible, the PPO plan begins paying benefits. Unused HRA funds can be rolled over to the following year up to a maximum of three years’ accumulation.
Health Maintenance Organization (HMO)
Available through Aetna
HMOs have low out-of-pocket expenses (no deductible or coinsurance) but do not provide benefits if you use out-of-network providers (except in the case of an emergency). You are not required to designate a primary care physician (PCP). Referrals to specialist care and related services are not required in most circumstances.

Medical Plan Summaries

Aetna

Highmark Blue Cross Blue Shield

UPMC Health Plan

Link to Aetna Homepage
Link to Highmark Homepage
Link to UPMC Homepage

Contact the Medical Carriers

International Travel Insurance

CMU provides international travel health insurance at no charge to full-time employees traveling abroad on official Carnegie Mellon business. Learn more about our International Travel Insurance.