Administered by Anthem Blue Cross (medical) and Navitus (pharmacy); supported by Accolade Health Care Advocate
CORE is a high-deductible PPO plan. CORE can be paired with a Health Flexible Spending Account (Health FSA); it is not compatible with the Health Savings Account.
See updated information about coverage for COVID tests.
New for 2024
- FDA-approved over-the-counter contraceptive drugs and devices have $0 cost-share and no prescription requirement (deductible applies).
- Coinsurance have been eliminated for in-network vasectomy services (deductible applies).
How the plan works
- You can choose any doctor or hospital you wish, worldwide, but Anthem Blue Cross PPO network providers cost less.
- Preventive care from in-network providers is covered at 100% without the need to meet your deductible.
- For all other services and prescriptions, you pay 100% of the cost until you meet the deductible ($3,000 for both in-network and out-of-network providers).
- Once you meet the deductible, you pay 20%.
- Annual out-of-pocket maximums ($6,350 individual/$12,700 family) limit what you pay. The calendar year deductible is included in the annual out-of-pocket maximum. If you reach the annual maximum, the plan pays 100% of your medical and prescription drug costs for the rest of the year.
- Behavioral health services are provided by Anthem network providers.
Best fit for you if:
- You want to pay no monthly premium
- You want direct access to all providers without need for referrals
- You are willing to risk incurring high out-of-pocket costs
- You want coverage when you are traveling or living abroad
Plan costs
UC pays the entire premium for CORE; there is no additional premium cost to you.
Typical out-of-pocket costs
Once you’ve met the deductible, you pay:
- Office visit/urgent care visit: 20% (preventive care from in-network providers has no charge)
- Emergency room: 20%
- Hospital stay: 20%
- Prescription drugs: 20%
