UC Care is a PPO plan created just for UC. You can get care from most UC physicians and medical centers as well as the Blue Shield Preferred network of providers — the choice is yours. You also have coverage for non-network providers.

How the plan works

  • You may choose any doctor or care facility, worldwide.
  • You have two options for in-network care:
    • You pay set copayments for covered services and there’s no deductible when you use providers in the UC Select network (available only in California).
    • You also can choose a provider in the Blue Shield Preferred network and pay 20% of the cost of service after the deductible has been met.
    • The Blue Shield Preferred network has a $250 deductible for individual coverage and $750 deductible for a family of three or more.
  • Or, you can choose a non-preferred or out-of-network provider and pay 50% of the cost. There is a $500 deductible for individual coverage and $1,500 deductible for a family of three or more.
  • Annual out-of-pocket maximums limit what you pay. If you reach the annual maximum, the plan pays 100% of your covered medical costs for the rest of the year. There is a separate prescription out-of-pocket for in-network prescriptions filled at in-network pharmacies.
    • UC Select: $1,500/individual; $4,500/family
    • Blue Shield Preferred: $3,000/individual; $9,000 family
    • Out-of-network: $5,000/individual; $15,000 family
  • Blue Shield will administer claims.
  • Behavioral health benefits are provided by Optum. Optum providers generally have lower costs, but you also may use out-of-network providers. Costs are included in your deductible and out-of-pocket maximums.

Best fit for you if:

  • You want direct access to most providers without a referral
  • You want no deductible and fixed copay for using providers in the UC Select network
  • You want coverage when you are traveling or living abroad
  • You and/or your family members live outside California

Monthly plan costs

Retiree plan costs chart »

Pay Band (per annum) Self Self +
Child(ren)
Self +
Adult
Family
$51,000 and under Employee Cost $114.92 $206.86 $296.33 $388.26
UC Contribution $636.75 $1,146.15 $1,282.19 $1,791.59
$51,001–$102,000 Employee Cost $150.97 $271.75 $378.63 $499.40
UC Contribution $600.70 $1,081.26 $1,199.89 $1,680.45
$102,001–$153,000 Employee Cost $187.97 $338.35 $452.39 $602.76
UC Contribution $563.70 $1,014.66 $1,126.13 $1,577.09
$153,001 and above Employee Cost $226.28 $407.31 $528.81 $709.83
UC Contribution $525.39 $945.70 $1,049.71 $1,470.02
Rates for union-represented employees are subject to ongoing collective bargaining as appropriate.


Typical out-of-pocket costs

  • Office visit/urgent care visit: UC Select: $20; Blue Shield Preferred: 20%; out-of-network: 50%; (preventive care with in-network provider has no charge)
  • Emergency room visit not resulting in an admission: $200
  • Hospital stay (facility only): UC Select: $250; Blue Shield Preferred: 20%; out-of-network: 50%
  • Prescription drugs: $5, generic; $25, brand name; $40, non-formulary; specialty 30% for 30 day supply (up to $150 copayment maximum)