Administered by Anthem Blue Cross (medical) and Navitus (pharmacy); supported by Accolade Health Care Advocate (beginning Jan. 1, 2023)

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 Anthem Preferred network of providers — the choice is yours. You also have coverage for non-network providers.

New for 2023

All members — new and returning — will receive new ID cards for 2023 with contact information for Accolade and updated group numbers.

  • Accolade Health Care Advocate replaces Anthem Health Guide for CORE, UC Care and UC Health Savings Plan members as the first point of contact for help with health benefits questions, big or small. 
  • Infertility coverage will include IVF, GIFT, and ZIFT coverage with 50% coinsurance (after deductible), up to a combined limit of two treatment cycles per lifetime, per member. Infertility benefits will also include Artificial/Intrauterine Insemination (IUI) Cycles, Assisted Reproductive Technologies (ART), and related services as well as infertility specialty medications. Benefits do not include coverage for expenses for surrogacy, fees associated with surrogacy, and expenses for procuring donated oocytes or sperm. All fertility services are subject to medical necessity and prior authorization.

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 medical provider in the Anthem Preferred network and pay 30% of the cost of service after the deductible has been met. The Anthem Preferred network has a $500 deductible for individual coverage and a $1,000 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 $750 deductible for individual coverage and a $1,750 deductible for a family of three or more.
  • Behavioral health benefits are provided through Anthem Blue Cross. You can see any behavioral health provider you choose, but you’ll pay less and receive higher benefit coverage when you see an in-network provider. Some services may require prior authorization.
  • 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 one combined out-of-pocket maximum for medical, behavioral health and pharmacy expenses. 
    • UC Select: $6,100/individual; $9,700/family
    • Anthem Preferred: $7,600/individual; $14,200 family
    • Out-of-network: $9,600/individual; $20,200 family
  • Anthem Blue Cross will administer claims.

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 — 2023

2023 retiree plan costs chart »

Faculty and staff

Pay Band
(full-time salary rate)
Self Self +
Self +
$65,000 and under $169.03 $304.25 $422.59 $557.81
$65,001–$129,000 $207.21 $372.97 $509.75 $675.52
$129,001–$194,000 $246.39 $443.49 $587.86 $784.97
$194,001 and above $286.96 $516.52 $668.79 $898.35
Rates for union-represented employees are subject to ongoing collective bargaining as appropriate.

Typical out-of-pocket costs

  • Office visit: UC Select: $20; Anthem Preferred: 30%; out-of-network: 50%; (preventive care with in-network provider has no charge)
  • Urgent care visit: UC Select or Anthem Preferred: $20 (not subject to deductible); out-of-network: 50%
  • Emergency room visit not resulting in an admission: $300
  • Hospital stay (facility only): UC Select: $250; Anthem Preferred: 30%; 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)