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UC Health Savings Plan PPO

Administered by Anthem Blue Cross (medical) and Navitus (pharmacy); supported by Accolade Health Care Advocate

The UC Health Savings Plan (HSP), a high-deductible PPO (preferred provider organization) paired with a health savings account (HSA), was designed to ensure full access to world-class UC hospitals and physicians. For convenience and flexibility, you also have access to the Anthem Preferred network of providers and coverage for non-network providers.

  • Full Full eligibility available
  • Mid Mid eligibility available
  • Core Core eligibility available
  • Retirees Retirees eligibility available

How the plan works:

Accolade helps you navigate your medical plan and is your first stop for questions about your benefits. You can reach Accolade at (866) 406-1182 (Monday–Friday, 5 a.m.–8 p.m. PT). Find all your plan details at uchealthplans.com.

  • Your pretax contributions to the HSA are taken from your paycheck, lowering your tax bill. For 2024, the IRS limits HSA contributions to $4,150 for individual coverage and $8,300 for family coverage. People age 55 and over can make an additional “catch-up” contribution of $1,000.
  • UC contributes up to $500 per year for individual coverage and up to $1,000 for family coverage.
  • You may choose any doctor or care facility, worldwide. You pay less for care within the Anthem Preferred network.
  • Behavioral health benefits are provided through Anthem Blue Cross.
  • See updated information about coverage for COVID tests.
  • Please note: When HealthEquity establishes the HSA, it is required by law to verify the identity of participants. To comply with this requirement, UC will provide information including your full legal name, residential address in the U.S., date of birth and social security number or other government-issued identification number.

About the HSA

The health savings account (HSA) is a federal tax-free account maintained by HealthEquity, to help pay your out-of-pocket costs for health care. You must be enrolled in UC Health Savings Plan to enroll in and contribute to UC’s HSA. However, the account is yours to keep if you retire, leave UC or switch to another UC plan.

Best fit for you if:

  • You want direct access to all providers without the need for referrals
  • You want federal tax-free savings for current and future health care costs
  • You are able to risk incurring greater out-of-pocket costs
  • You want to build retirement savings for future health care costs for you and your eligible family members
  • You and/or your family members live outside California

Check out a few helpful quizzes from HealthEquity about whether UC Health Savings Plan is right for you, and how to use your HSA.

Understanding your costs

When considering your medical plan costs, it’s important to consider both your monthly premium and what you’ll pay for care. ALEX will ask you a few questions to help you estimate how much you may need to spend.

Monthly premium costs for retirees

When you’re ready to enroll in Medicare

You are not eligible for the Health Savings Account when you are enrolled in Medicare, so you may not continue your enrollment in UC Health Savings Plan. if you are retired and enrolled in UC Health Savings Plan, you have a 31-day PIE to enroll in a new plan and complete the required UC form to assign your Medicare benefits when you turn 65.