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Which Medicare plan is right for you?

All of UC’s medical plans offer comprehensive coverage, but benefits and costs do vary. Check out the quick reference guide below for details. 

Note: The charts below show what the member pays for care in 2024. See plan costs for your share of 2024 premium costs for retirees in UC’s Medicare and non-Medicare plans, if you are eligible for 100% of the UC employer contribution. The UC Davis Health Care Facilitator page includes a premium estimator to help you understand what your share of your retiree medical premium might be if you are not eligible for the full UC contribution. 

This is a summary only. Important details — such as limitations, exclusions, exceptions and other qualifiers — may not be included. If any information on the website conflicts with plan documents, plan documents prevail.

Call the plan or see their website for specific benefits, provider information and plan booklets, or to determine if a plan provides service where you live. 

Medicare retirees

Anthem Blue Cross is the medical plan administrator and Navitus is the pharmacy benefit manager of the UC Medicare PPO, UC High Option Supplement to Medicare and UC Medicare PPO without Prescription Drugs plans. UnitedHealthcare is the administrator of the UC Medicare Choice plan.

Retirees may enroll in UC Medicare PPO without Prescription Drugs only if all enrolled Medicare family members have outpatient prescription drug coverage (as verified by CMS) through another Medicare Part D prescription drug plan.

For more information on how UC-sponsored medical plans coordinate with Medicare and on “balance billing,” see UC’s Medicare Fact Sheet.

Download: Which Medicare plan is right for you? PDF


Allowable Amount: The dollar amount considered payment-in-full for services provided by the health plan carrier’s network of healthcare providers. (Out-of-network providers may bill members for amounts in excess of the allowable amount.) 

Annual Out-of-Pocket Maximum: The amount you must pay during the calendar year before the plan will pay 100% of covered charges (or 100% after Medicare, where applicable). Some expenses do not apply toward the maximum; see the plan’s evidence of coverage booklet.

Calendar year deductible:  The calendar year deductible is the amount you must pay before the medical plan begins to pay a percentage of the total cost of benefits. Until the deductible is met, you pay the total cost of services not covered by Medicare. Review each plan’s annual deductible and monthly premium to decide which plan is best for you.

Copayments: Shown in dollars; represents the amount you pay after the deductible (if any) has been met.

Coinsurance: Shown as a percentage; represents the percentage of the allowable amount you pay after the deductible (if any) has been met.

Medicare Allowable: The Medicare-approved amount for a covered service.


1 Applies to certain services not covered by Medicare, called Benefits Beyond Medicare, which are services that the UC plan covers when Medicare either does not cover at all or when Medicare limits have been reached.

2 A member may reach the $8,000 True Out-of Pocket (TrOOP) before the drug plan maximum out-of-pocket if they qualify for the coverage gap discount program.

3 Consult the plan booklet or carrier for terms of coverage if your permanent address is outside the U.S.

4 Costs are different if using 60 lifetime reserve days. See plan booklet for details.

5 Medicare covers an initial “Welcome to Medicare” preventive visit and annual “Wellness” visits, where you and your doctor discuss and develop or update your personalized disease prevention plan. Note that you may be subject to copayments or coinsurance if you receive additional tests or services during the same visit that are not covered under the preventive benefits. See medicare.gov for more information on Wellness visits.

6UC Medicare PPO, UC Medicare PPO without Prescription Drugs and UC High Option Supplement to Medicare examples assume that you have met your annual deductible, and that your doctor accepts Medicare assignment. After you meet your annual out-of-pocket maximum, your plan will pay 100% of your covered expenses. Actual charges for office visits are usually higher than the Medicare allowable amount. If your doctor does not accept Medicare assignment, you are also responsible for balance billing. Call the plan for details.

7 The Navitus prescription drug formulary classifies (and charges for) medications by tier, as follows:

  • Tier 1—Preferred generics and some lower-cost brand products
  • Tier 2—Preferred brand products and some high-cost non-preferred generics
  • Tier 3—Non-preferred products (could include some high-cost non-preferred generics)
  • Tier 4—Specialty products

8 When a generic drug is available and you or your physician choose the brand-name drug, you must pay the applicable brand copay plus the difference between the cost of the brand-name drug and the generic equivalent. With prior authorization, exceptions for medical necessity can be made and you pay the Tier 3 (Non-preferred) copay.