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

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.

Coverage for COVID-19 tests

Through Dec. 31, 2023, UC Care will continue to cover at-home over-the-counter antigen tests and waive the cost-share for PCR testing if ordered by a physician. 

Please note that the Anthem and Navitus public websites list the end date of coverage for over-the-counter COVID-19 antigen tests as May 15, 2023. This information does not apply to UC medical plan members. Requirements for the coverage of COVID-19 tests have changed for some medical plans but not for others, depending on state laws and the type of plan.  

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)