UC Health Savings Plan PPO

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

The UC Health Savings Plan (HSP), a high-deductible PPO (preferred provider organization) paired with a health savings account (HSA), was designed to ensure full access to world-class UC hospitals and physicians. For convenience and flexibility, you also have access to the Anthem Preferred network of providers and coverage for non-network providers.

The IRS and UC have rules in place that limit who can enroll in this plan. Please review the eligibility rules carefully before you consider enrollment.

The information below is a summary. See plan documents for details.

Full Full eligibility available
Mid Mid eligibility available
Core Core eligibility available
Retirees Retirees eligibility available

On this page:

How the plan works
About the health savings account
Best fit for you?
Understanding your costs
When you’re ready to enroll in Medicare

How the plan works:

Accolade helps you navigate your medical plan and is your first stop for questions about your benefits. You can reach Accolade at (866) 406-1182 (Monday–Friday, 5 a.m.–8 p.m. PT). Find all your plan details on the UC Faculty and Staff PPO plans website.

Your pretax contributions to the HSA are taken from your paycheck, lowering your tax bill. For 2025, the IRS limits HSA contributions to $4,300 for individual coverage and $8,550 for family coverage. People age 55 and over can make an additional “catch-up” contribution of $1,000.
UC contributes up to $500 per year for individual coverage and up to $1,000 for family coverage.
You may choose any doctor or care facility, worldwide. You pay less for care within the Anthem Preferred network.
Behavioral health benefits are provided through Anthem Blue Cross.
Learn more about getting care outside California and the U.S.
See updated information about coverage for COVID tests.
Please note: When HealthEquity establishes the HSA, it is required by law to verify the identity of participants. To comply with this requirement, UC will provide information including your full legal name, residential address in the U.S., date of birth and social security number or other government-issued identification number.

Eligibility

The IRS and UC have rules in place that limit who can enroll in this plan. This quiz can help you determine if you’re eligible and if UC HSP is right for you.

You are not eligible to enroll in UC HSP if you:

Are already enrolled in Medicare.
Are a retiree who was not enrolled in UC HSP while you were employed by UC. Please note: If you or a covered family member ages into Medicare while enrolled in UC HSP, you’ll have a Period of Initial Eligibility to enroll in another medical plan.
Are covering a family member who is enrolled in Medicare.
Plan to enroll in UC’s Health Flexible Spending Account (FSA). IRS rules limit the use of both accounts simultaneously.

Best fit for you if:

You want direct access to all providers without the need for referrals
You want federal tax-free savings for current and future health care costs
You are able to risk incurring greater out-of-pocket costs
You want to build retirement savings for future health care costs for you and your eligible family members
You and/or your family members live outside California

Check out a few helpful quizzes from HealthEquity about whether UC Health Savings Plan is right for you, and how to use your HSA.

Monthly premium costs for faculty and staff

Pay Band (full-time salary rate)	Self	Self + Child(ren)	Self + Adult	Family
$71,000 and under	$86.39	$141.43	$197.08	$248.43
$71,001–$140,000	$203.54	$333.11	$475.58	$595.82
$140,001–$210,000	$329.80	$539.74	$738.73	$936.02
$210,001 and above	$456.60	$747.28	$1,002.16	$1,276.89

Monthly premium costs for retirees

Typical out-of-pocket costs

In-network annual costs: For individual coverage, the annual deductible is $1,650 and the out-of-pocket maximum is $4,000. For family coverage, the annual deductible is $3,300 and the out-of-pocket maximum is $6,400.
Out-of-network annual costs: For individual coverage, the annual deductible is $2,600 and the out-of-pocket maximum is $8,000. For family coverage, the annual deductible is $5,200 and the out-of-pocket maximum is $16,000.
Office visit/urgent care visit: 20% for preferred providers: 20%; 40% for non-preferred providers; in-network preventive care has no charge
Emergency room: 20%
Hospital stay: 20% in-network; 40% out-of-network
Prescription drugs: 20% if purchased from in-network pharmacy; 40% from out-of-network pharmacy
Annual out-of-pocket maximum (the most you’ll spend for covered care each year before the plan starts paying all your costs): $4,000/individual or $6,400/family for in-network providers; $8,000/individual or $16,000/family for out-of-network providers

Plan documents and contacts

Documents and forms
UC Faculty and Staff PPO Plans website
Accolade Health Care Advocate: 866-406-1182
Navitus: 833-837-4308

UC Health Savings Plan PPO

How the plan works:

About the HSA

Best fit for you if:

Understanding your costs

When you’re ready to enroll in Medicare

Plan documents and contacts

More information