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 all UC medical centers and medical groups, along with coverage in 30 California counties.

Coverage for COVID-19 tests

UC Blue & Gold HMO will continue to cover at-home over-the-counter antigen tests and waive the cost-share for diagnostic PCR tests if ordered by an in-network or out-of-network physician through Dec. 31, 2023. UC Blue & Gold HMO will waive the cost-share for antibody PCR tests by out-of-network physicians through Nov. 11, 2023.

After Dec. 31, 2023, UC Blue & Gold HMO will no longer cover diagnostic or antibody PCR tests by out-of-network providers or labs. 

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.
  • UC 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 and the family members you cover live in California
  • 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 — 2023

2023 retiree plan costs chart »

Faculty and staff

Pay Band
(full-time salary rate)
Self Self +
Self +
$65,000 and under $84.37 $151.87 $244.81 $312.31
$65,001–$129,000 $122.55 $220.59 $331.97 $430.02
$129,001–$194,000 $161.73 $291.11 $410.08 $539.47
$194,001 and above $202.30 $364.14 $491.01 $652.85
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 to watch a prerecorded presentation on enrolling in the plan.