Core is a high-deductible catastrophic plan.

Plan changes

There are few changes to the Core plan for next year. There are no changes to the Core plan deductible, coinsurance or annual out-of-pocket limits.

The new features/changes described below are effective Jan. 1, 2019.

UC Vita™ replaces Castlight and Mobile Health Consumer app

UC Vita is a personalized digital health care assistant offering all the features of Castlight and more! UC Vita will be accessible via the internet from any computer, as well as through the free app that you can download directly to your mobile devices. With UC Vita, you’ll be able to:

  • Quickly access a comprehensive list of UC benefit programs available to you.
  • Keep your focus on prevention and overall well-being to prevent future health issues.
  • View personalized information relevant to you and your health care needs and preferences.
  • See what’s covered by your medical plan and view coverage and claim details.
  • Find doctors. Search for in-network care. See quality scores and reviews for doctors and hospitals, and write your own reviews.
  • Get information during an emergency. Keep your medical insurance card as close as your smartphone. Find urgent care numbers anytime.

You’ll hear more about UC Vita (Engage Wellbeing) in early 2019. Search for "Engage Wellbeing" in your app store to find and download the app.

New ID Cards

In late December, you and each covered family member will get one ID card from Anthem that you’ll use beginning Jan. 1, 2019, for medical, prescription drug and behavioral health services. The new ID cards have updated information your pharmacist will need in order to process your pharmacy claims in 2019.

How the plan works

  • You can choose any doctor or hospital you wish, worldwide, but Anthem Blue Cross PPO network providers cost less.
  • Preventive care from in-network providers is covered at 100% without the need to meet your deductible.
  • For all other services and prescriptions, you pay 100% of the cost until you meet the deductible ($3,000 for both in-network and out-of-network providers).
  • Once you meet the deductible, you pay 20%.
  • Annual out-of-pocket maximums ($6,350 individual/$12,700 family) limit what you pay. If you reach the annual maximum, the plan pays 100% of your medical and prescription drug costs for the rest of the year.
  • Behavioral health services are provided by Anthem network providers.

Best fit for you if:

  • You want to pay no monthly premium
  • You want direct access to all providers without a plan referral
  • You are willing to risk incurring high out-of-pocket costs
  • You want coverage when you are traveling or living abroad

Plan costs

UC pays the entire premium for Core; there is no additional premium cost to you.

Typical out-of-pocket costs

Once you’ve met the deductible, you pay:

  • Office visit/urgent care visit: 20%; (preventive care from in-network providers has no charge)
  • Emergency room: 20%
  • Hospital stay: 20%
  • Prescription drugs: 20%