University of California
UCnet
What are you looking for?

Retiree smiling among trees
Retirees

Open Enrollment

Thursday, Oct. 31 at 8 a.m. to Friday, Nov. 22, 2024, at 5 p.m.

Download the Open Enrollment packet for California retirees
Download the Open Enrollment booklet for retirees outside California

Get started Medical plans Other benefits How to enroll Getting help
retirees

Medical plans: Changes and choices

Medical costs are increasing — nationwide and at UC. To keep your costs as low as possible, UC’s funding will increase by $198 million for 2025. 

Despite this additional funding, some premium contributions and cost-sharing amounts for retirees will increase in 2025.

Take time to review and compare all plan cost changes to determine if staying in your current plan is the best choice for you. If you want to maintain your current benefits, then no action is required. 

On this page:

Medicare plan changes for 2025

  • Premiums are increasing for most of UC’s Medicare plans. 
  • The copay for office visits will change from $20 to $30 for Kaiser Senior Advantage and UC Medicare Choice.
  • The copay for Kaiser Senior Advantage group mental health visits is increasing from $10 to $15. 
  • Prescription drug copays will increase for UC’s Medicare plans that include prescription drug coverage. Under the UC Medicare Choice Plan, specialty drugs will be dispensed with no more than a 30-day supply at a time.
  • Inflation Reduction Act provisions for 2025 will cap the out-of-pocket prescription drug cost limit at $2,000 for Medicare Part D members, eliminate the coverage gap phase (or the “donut hole”), and introduce an option to pay for prescription costs in monthly installments. 
  • UC Medicare Choice members will receive fitness benefits through Silver Sneakers (instead of Renew Active), and Kaiser Senior Advantage members will have access to fitness benefits through One Pass.
  • UC Medicare Choice members will have 24/7 virtual access to medical providers through Amwell, Doctors on Demand, and Teladoc, replacing 24/7 Nurse Support.

Non-Medicare medical plan changes for 2025

  • Premiums are increasing for all of UC’s non-Medicare plans. 
  • The CORE PPO plan will have a monthly premium. 
  • The copay for office visits will change from $20 to $30 for UC Blue & Gold HMO, Kaiser HMO, Optum Behavioral Health, and UC Care (UC Select/Tier 1 and urgent care visits in Anthem Preferred/Tier 2). Optum’s emergency room copay is increasing to $125 to align with Kaiser’s current copay.
  • Prescription drug copays will increase slightly for most UC medical plans and UC Blue & Gold HMO and Kaiser HMO will add a new tier for specialty drugs, with 30% coinsurance up to a maximum of $150 per prescription. 
  • UC Blue & Gold HMO and Kaiser HMO will cover doula services with no copay for up to 11 visits per pregnancy.
  • For UC Health Savings Plan members:
    • Accolade Care telehealth visits will have a $30 charge, which will be applied to the deductible.
    • The in-network deductible is increasing to $1,650 and $3,300 for self and family coverage, respectively.
    • Health Savings Account contribution limits are increasing to $4,300 for self-coverage and $8,550 for family coverage.

Medical plans for Medicare retirees

Need help deciding?

Kaiser Permanente Senior Advantage Kaiser Permanente Medicare Advantage HMO UC High Option Supplement to Medicare Anthem Blue Cross Medicare Supplement PPO UC Medicare Choice PPO UnitedHealthcare Medicare Advantage PPO UC Medicare PPO Anthem Blue Cross Medicare Supplement PPO UC Medicare PPO without Prescription Drugs Anthem Blue Cross Medicare Supplement PPO Medicare Coordinator Program For Medicare-eligible retirees who live outside California

Medical plans for non-Medicare retirees

Need help deciding?

CORE PPO Anthem Blue Cross high-deductible PPO Kaiser HMO Kaiser Permanente HMO UC Care PPO Anthem Blue Cross PPO with choice of provider tiers UC Health Savings Plan PPO Anthem Blue Cross PPO paired with a Health Savings Account UC Blue & Gold HMO Health Net HMO with access to UC Health and other quality providers

Enroll or make changes

Oct. 31 – Nov. 22, 2024

Sign in to UCRAYS

Compare your costs