Administered by Health Net

UC Blue & Gold is an HMO (Health Maintenance Organization) with a custom network of providers created exclusively for UC. The Blue & Gold network includes:

  • Over 240 hospitals, 10,000 PCPs and 26,100 specialists
  • Coverage in 30 California counties
  • All UC Medical Centers and medical groups

UC Blue & Gold members in the San Francisco Bay Area can continue to benefit from the Canopy Health alliance formed between Hill Physicians-SF (UCSF), John Muir Health, Meritage Medical Network and the affiliated hospitals. If you choose a primary care physician (PCP) within one of these medical groups, you will have access to the entire Canopy Health alliance and your PCP can offer referrals to any clinically appropriate specialist within Canopy Health.

Compare UC Blue & Gold's costs and benefits with other UC plans.

How the plan works

  • You choose a doctor in the Blue & Gold HMO network to coordinate your care and refer you to a specialist when you need one.
  • You pay a copayment for prescription drugs and some services.
  • The plan covers the cost of services only if your medical group authorizes them.
  • Health Net Blue & Gold provides coverage for services outside of your medical group only in cases of emergency.
  • In-network behavioral health benefits are provided by MHN.

Best fit for you if:

  • You want low, predictable out-of-pocket costs
  • You like having one doctor manage your care
  • You are happy with the selection of providers

Monthly plan costs for faculty and staff in 2021

Retiree plan costs chart »

Pay Band
(full-time salary rate)
Self Self +
Self +
$59,000 and under $53.77 $96.78 $176.07 $219.08
$59,001–$118,000 $91.95 $165.50 $263.23 $336.79
$118,001–$176,000 $131.13 $236.02 $341.34 $446.24
$176,001 and above $171.70 $309.05 $422.27 $559.62
Rates for union-represented employees are subject to ongoing collective bargaining as appropriate.

Typical out-of-pocket costs

  • Office visit, urgent care or Minute Clinic: $20 (preventive care has no charge)
  • Emergency room: $125 
  • Hospital stay: $250
  • Prescription drugs: $5 generic; $25 brand name; $40 non-formulary

About UC Medicare Choice

UC Medicare Choice is considered the “partner plan” of UC Blue & Gold HMO. That means that if you are a retiree enrolled in UC Blue & Gold HMO, you’ll be transferred into UC Medicare Choice when you turn 65, once Medicare has approved your enrollment form.

To learn more about UC Medicare Choice, visit