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Get to Know Your UC PPO Medical Plans

UC offers a range of medical plan options, including PPO and HMO plans. Visit UCnet to learn more.

Your UC PPO Medical Plan Options

UC offers three different PPO plans to meet different health needs and budgets.

  • UC Health Savings Plan (HSP): A medical plan that’s also a savings plan.
  • UC Care: A custom PPO designed especially for UC employees that offers low out-of-pocket costs when you get care from UC physicians and medical centers.
  • CORE: A high-deductible plan with premiums paid by UC.

All of the UC PPO plans offer:

  • Comprehensive benefits, including 100% coverage for in-network preventive care
  • A wide choice of providers, including UC doctors and hospitals
  • Behavioral health coverage and resources
  • Care that’s available whenever and wherever you need it, 24/7
  • Help with medical and prescription drug benefits information and access through Anthem Health Guide
  • Cost-comparison tools
  • Provider-rating and review tools
  • Medical care that travels with you around the state and the globe
  • 24/7 access to coverage information and plan resources

Three Things to Know About the Plans

UC Health Savings Plan (HSP)

1 The HSP offers a lower premium than UC Care. You could put those premium savings to work for you by contributing to your Health Savings Account (HSA). Interest and other earnings on your HSA balance are tax-free. And so are distributions used to pay for qualified medical expenses.
2 If you have moderate to low health care costs, UC’s contribution ($500 for individual/$1,000 for family) to the HSA could cover all of your out-of-pocket expenses.
3 If you enroll in family coverage, you must meet the full in-network family deductible of $2,700 before the plan will pay benefits for any covered family member.

Learn more about HSP.

UC Care

1 When you use UC Select providers, including UC physicians and medical centers, you pay low copayments for most services. This helps to offset the higher premiums of this plan if you need a lot of care—particularly hospitalization and/or surgery.
2 UC Select providers—including primary care providers—are available in all five of UC’s nationally ranked medical centers across the state.
3 For services not available through UC providers, you have access to the Anthem Preferred network of over 60,000 doctors and other health care providers. 

Learn more about UC Care.

CORE

1 UC pays the entire premium for your coverage. You only pay for the care you receive. Because of this, you’ll have higher out-of-pocket costs when you get care.
2 If you have very low health care needs, this might be a good plan for you. However, you might also want to consider the UC Health Savings Plan (HSP). You pay monthly premiums, but UC’s contribution to a Health Savings Account (HSA) could mean you come out ahead financially.
3 You’re responsible for 100% of the first $3,000 of expenses for each enrolled family member before the plan will pay benefits.

Learn more about CORE.