What You Need to Know
A high-deductible medical plan with no cost for coverage to covered members. The CORE plan is a high-deductible PPO that generally provides the same level of coverage, whether you receive care at an in-network provider or an out-of-network provider.
Have Questions or Need Help?
How it Works
See the plan comparison chart [PDF] for more coverage details.
CORE is a high-deductible medical plan with no cost to employees for coverage. You pay only for the care you receive. Prescription drug coverage is also included.
No-Cost Preventive Care
Preventive care, including services such as screenings, immunizations and exams for you and all covered family members when you see an in-network provider. (Out-of-network preventive care covered at 20% after the deductible.) Learn more about preventive care.
What You Pay for Care
For all services except in-network preventive care, you first pay a deductible of $3,000 per covered person.
Cost for Care
After you meet the deductible, you pay 20% of the cost for most covered services.
This limits the amount you’ll pay for covered services during the year to a maximum of $6,350 (individual coverage) or $12,700 (family coverage), including the deductible. After you meet the out-of-pocket maximum, Anthem pays 100% for most covered medical services and Navitus pays for 100% of most prescription drugs, for the rest of the year.
Did you know that if you receive emergency care or are treated by an out-of-network doctor or specialist at a hospital or ambulatory surgical center in your plan’s network, you are protected from surprise billing?
You and your covered family members can use behavioral health benefits for sessions with counselors, psychologists or psychiatrists for mental health services and substance abuse treatment. If you need help finding a provider and booking and appointment, call Accolade at (866) 406-1182 Monday–Friday, 5 a.m.–8 p.m. PT. You can also speak to a therapist or psychologist virtually through Accolade Care Telehealth and Virtual Visits.
Your prescription drug coverage includes medications that are part of the Navitus formulary. Log in to the Navitus member portal for a personalized view of your coverage and to preview drug costs, search for pharmacies, see your benefits, and view the Navitus formulary. (Prospective members can use these features on the unsecured Navitus portal.)
At network pharmacies, you pay the full cost of prescriptions until you reach the plan deductible. After that, you pay 20% for most covered drugs. At out-of-network pharmacies, you pay 20% of the cost. The cost of prescriptions is based on the tier, with the lowest cost in Tier 1 and the highest cost in Tier 4.
- 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, including some high-cost preferred brand-name drugs.">non-preferred generics)
- Tier 4 (specialty): $200 out-of-pocket maximum per prescription (for oral anti-cancer medications only)
No-cost drugs: The plan provides $0 coverage for drugs covered by the Affordable Care Act, including over-the-counter smoking cessation products and prescription drugs and diabetes supplies (excluding syringes, needles and non-formulary test strips).
Specialty medications: You can fill prescription drugs used to treat complex conditions through either Lumicera Health Services or select UC pharmacies. To get started with Lumicera, visit the website or call them at (855) 847-3553, or work with your provider to use a UC pharmacy. Lumicera offers free delivery to your home or other locations.
- Tablet splitting: Buy fewer tablets by breaking a higher-strength drug tablet in half to deliver the same prescribed dose as a full tablet. For medications that can easily be cut in half without compromising efficacy, you can save up to 50% on out-of-pocket costs by having your doctor write a prescription for double the strength (e.g., 20 mg instead of 10 mg) and simply splitting the tablets in half.
- Brand-name drug penalty: When a generic drug is available and you or your physician choose the brand-name drug, you must pay the tier 3 (non-preferred) copay plus the difference between the cost of the brand-name drug and the generic equivalent. If a prior authorization is approved for a medical necessity exception, you will pay the Tier 3 (non-preferred) cost.
- Prior authorization: Generally, your doctor must show that a particular drug is medically necessary. You or your physician will need to get approval from Navitus before the prescription can be filled. Log in to the Accolade digital member portal to learn more about prior authorization.
- Quantity limits: Taking too much medication or using it too often isn’t safe and may even increase your costs. If you refill a prescription too soon or your doctor prescribes an amount higher than recommended guidelines, the Navitus pharmacy system will reject your claim. If your doctor believes your situation requires an exception, the doctor can contact Navitus to request prior authorization review.
- Step therapy: In some cases, if your doctor prescribes a more expensive drug to treat your medical condition when a lower-cost alternative is available, Navitus requires you to first try the lower-cost drug before it will cover another drug for that condition. This includes medications used to treat ADHD, diabetes, high cholesterol and multiple sclerosis.
What is a Formulary?
A formulary is an extensive list of safe, effective medications covered by a health plan. Every pharmacy benefit manager (Navitus, for the UC PPO plans) uses its own formulary and it changes over time as new drugs enter the market and brand-name patents expire. Generally, if drugs aren’t on the formulary, they aren’t covered by the plan.
The Navitus formulary is divided into four tiers. The lowest-cost drugs (mostly generic) are in Tier 1. The highest-cost drugs (specialty) are in Tier 4.
What does this look like?
Say you are newly diagnosed with high blood pressure and your doctor prescribes atenolol/chlorthalidone to treat it. A quick scan of the formulary shows atenolol/chlorthalidone is a generic equivalent for the brand-name drug Tenoretic. It also classifies atenolol/chlorthalidone as a Tier 1 medication, so you know what you’ll pay.
The formulary also will show if any restrictions and rules apply, such as prior authorization, quantity limits or step therapy.
Before filling a prescription, first find out if the drug is covered. A quick search of the Navitus formulary will tell you. Download the Navitusplus app to have the formulary with you at the doctor’s office. If the drug the doctor recommends isn’t listed, you can look for alternatives in real time. If you don’t see the drug on the formulary, you or your doctor can contact Navitus Customer Care at (833) 837-4308 for help.
If there’s a generic version of a drug you are prescribed and your doctor or you choose the brand-name drug instead, you’ll pay a penalty.
|Drug Name||Change Type|
|EXFORGE HCT TAB||Move to Not Covered|
|amlodipine/valsartan/hydrochlorothiazide tab||Move to Not Covered|
|CADUET TAB||Move to Not Covered|
|amlodipine/atorvastatin tab||Move to Not Covered|
|CHLORDIAZEPOXIDE/AMITRIPTYLINE TAB||Move to Not Covered|
|JALYN CAP||Move to Not Covered|
|dutasteride/tamsulosin cap||Move to Not Covered|
|VOTRIENT TAB||Add Quantity Limit|
|CLINDESSE VAGINAL CREAM||Add Quantity Limit|
|CLEOCIN VAGINAL SUPP||Add Quantity Limit|
|FLOLIPID SOLN||Add to Tier 3|
|ATORVALIQ SUSP||Add to Tier 3|
|TEZSPIRE INJ||Add to Specialty Tier|
|Drug Name||Change Type|
|lurasidone tab||Remove Quantity Limit|
|lubiprostone cap||Add to Tier 2|
|acyclovir cream||Move to Not Covered|
|ZOVIRAX CREAM||Move to Not Covered|
|acyclovir oint||Move to Tier 3|
|methylprednisolone acetate inj||Move to Tier 1|
|DEPO-MEDROL INJ, METHYLPREDNISOLONE ACE INJ||Move to Tier 3|
|DEPO-MEDROL INJ||Move to Tier 3|
|triamcinolone acetate inj||Move to Tier 1|
|KENALOG INJ, TRIAMCINOLONE ACE INJ||Move To Tier 3|
|KENALOG INJ||Move To Tier 3|
|PURIXAN SUSP||Move To Tier 3|
|CLENPIQ SOLN||Move to Not Covered|
|sodium/potassium/magnesium soln||Move to $0|
|peg 3350 soln (100 gram Moviprep equiv)||Move to $0|
|levalbuterol neb soln||Move to Tier 2|
|Drug Name||Change Type|
|HYFTOR GEL||Add to Specialty Tier|
|roflumilast tab||Add to Tier 1|
|DALIRESP TAB||Add to Tier 3|
|DEXCOM G6 SENSOR||Move to Tier 2|
|DEXCOM G6 RECEIVER||Move to Tier 2|
|DEXCOM G6 TRANSMITTER||Move to Tier 2|
|DEXCOM G7 SENSOR||Move to Tier 2|
|DEXCOM G7 RECEIVER||Move to Tier 2|
|FREESTYLE LIBRE SENSOR (14-DAY)||Move to Tier 2|
|FREESTYLE LIBRE 2 SENSOR||Move to Tier 2|
|FREESTYLE LIBRE 3 SENSOR||Move to Tier 2|
|FREESTYLE LIBRE RECEIVER||Move to Tier 2|
|FREESTYLE LIBRE 2 RECEIVER||Move to Tier 2|
|IBRANCE CAP||Move to Not Covered|
|IBRANCE TAB||Move to Not Covered|
|KISQALI TAB||Add to Specialty Tier|
|pirfenidone cap||Move to Specialty Tier|
|BENZNIDAZOLE TAB||Remove Prior Authorization|
|adapalene/benzoyl peroxide gel 0.1-2.5%||Remove Prior Authorization|
|EPIDUO GEL 0.1-2.5%||Remove Prior Authorization|
|adapalene/benzoyl peroxide gel 0.3-2.5%||Remove Prior Authorization|
|AMJEVITA AUTO-INJECTOR (1 PEN PACK)||Add to Specialty Tier|
|AMJEVITA AUTO-INJECTOR (2 PEN PACK)||Add to Specialty Tier|
|Drug Name||Change Type|
|hydroxychloroquine 100mg tab||Remove Quantity limit|
|XYREM SOLN||Move to Not Covered|
|FERROUS SULFATE ELIXIR||Move to Not Covered|
|ferrous sulfate elixir||Move to Not Covered|
|ferrous sulfate syrup||Move to Not Covered|
|ferrous sulfate soln||Move to Not Covered|
|SEMGLEE INJ (SINGLE PEN)||Move to Not Covered (only single pen NDCs)|
|INSULIN GLARGINE-YFGN (SINGLE PEN)||Move to Not Covered (only single pen NDCs)|
|ULEFSIA LOTION||Remove from formulary (Inactive since 2020)|
|EURAX CREAM||Remove from formulary (Inactive since 2020)|
|EURAX LOTION||Remove from formulary (Inactive since 2020)|
|IVERMECTIN LOTION||Move to Not Covered|
|SKLICE LOTION||Move to Not Covered|
|NOXAFIL PAK||Move to Tier 3|
|FUROSCIX KIT||Move to Specialty Tier|
|TRUSELTIQ PACK||Remove from formulary (product removed from market)|
|Drug Name||Change Type|
|eplerenone tab||Move to Tier 1|
|midazolam inj||Add to Tier 1|
|sildenafil susp||Add to Tier 2|
|REVATIO SUSP||Add to Tier 3|
|Move to Not Covered|
|Move to Not Covered|
|PREVPAK KIT||Add to Tier 3|
|PYLERA CAP||Move to Not Covered|
|lansoprazole cap||Move to Tier 1|
|rabeprazole EC tab||Move to Tier 1|
|ACIPHEX||Add to Tier 3|
|piroxicam cap||Move to Tier 1|
|diclofenac gel 1%||Move to Tier 1|
|Drug Name||Change Type|
|SOLIQUA INJ||Remove Prior Authorization|
|XULTOPHY INJ||Remove Prior Authorization|
|KOSELUGO CAP 10MG||Add to Specialty Tier|
Expert Medical Opinion From 2nd.MD
2nd.MD is Accolade’s expert medical opinion service. Get a second opinion from a leading specialist at no cost so that you feel confident about a new diagnosis, surgery, treatment plan or medication.
2nd.MD makes it easy to get an expert second opinion that can offer life-changing benefits. 2nd.MD services are available at no additional cost to you.
2nd.MD expert specialists can help you:
- Ensure you’re on the right treatment path to better health
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- Gain peace of mind for you and your loved ones
The 2nd.MD panel of more than 900 expert doctors are industry leaders across hundreds of subspecialties and thousands of conditions including cancer, heart disease and stroke, digestive problems, immunological disorders, women’s health, mental health concerns and musculoskeletal issues.
Book an Expert Medical Consultation on the digital member portal at member.accolade.com or download the 2nd.MD mobile app on the App Store or Google Play.
The journey to parenthood is not always easy. If you are struggling to conceive, WINFertility is here to help.
UC families enrolled in the Anthem UC Care, HSP, and CORE medical plans are provided a 2-cycle lifetime maximum benefit toward eligible expenses related to fertility treatment and related fertility medications. Coverage includes IVF, GIFT, and ZIFT coverage with 50% coinsurance (after deductible), up to a combined limit of two treatment cycles per lifetime, per member.
The benefit also includes artificial/intrauterine insemination (IUI) cycles, assisted reproductive technologies (ART), and related services as well as infertility specialty medications. It does not cover expenses for surrogacy, fees associated with surrogacy or expenses for procuring donated oocytes or sperm.
All fertility services are subject to medical necessity and prior authorization by WINfertility, which will also provide a range of support services.
What You Can Expect
WIN will help you better understand your options so you can maximize your benefit and choose the best course of treatment. More importantly, WIN knows this can be an extremely stressful and emotional time in your life. We are here to support you through every step of your fertility journey.
- 24/7 access to WIN’s Nurse Care Managers for emotional guidance and support
- Assistance in selecting a high-quality, in-network provider based on your individual treatment needs
- Expertise in understanding complex information and decisions regarding infertility causes, testing and treatment option success rates and risk
- Guidance to help increase the efficient use of hormonal medications to avoid wastage and over-stimulation
- Education on your pharmacy dosing usage, storage, and medication side effects and also assistance in maximizing your infertility medication benefit
WINFertility will assist you in selecting the right provider and navigating the system, your care and benefits. Working together with your health plan network of doctors and pharmacies, we provide you with total support and coordination of care. WIN has you covered!
What It Costs
After any applicable deductible, you pay 50% coinsurance for each treatment cycle. (Maximum of two combined cycles per lifetime for each covered member.) Your costs do not count toward the plan’s out-of-pocket maximum.
For benefit details and eligibility, contact WINFertility at (877) 451-3077, or visit managed.winfertility.com/universityofcalifornia. Service team members are available Monday–Friday 6 a.m.–4:30 p.m. PT. And download the WINFertility Companion app from Google Play or the App Store to take advantage of your benefits on the go. (App code: UCA23.)
For more details, see the WINFertility flyer [PDF] and detailed coverage information [PDF].
Care Outside California and the U.S.
You or family members traveling or living outside California can access care across the U.S. through the BlueCard Program, which offers access to 92% of U.S. doctors and 97% of U.S. hospitals. You are not required to use a BlueCard provider; however, you’ll pay less when you do, because services received from BlueCard providers are reimbursed at the in-network level of coverage for your medical plan.
There is no charge for in-network preventive care. For other services, you must first meet your medical plan’s deductible. Then the plan pays the same percentage of the cost for covered services as if you received care in California.
If you seek out-of-network care, you may need to submit a claim, and you’ll pay a higher deductible and a greater share of the costs.
See the benefit booklet [PDF] for complete information about covered services.
Outside the U.S.
All of the PPO plans provide access to care through Blue Cross Blue Shield Global Core. The CORE plan covers non-emergency, urgent and emergency care at the same level as within the U.S.
See the Global Core program brochure [PDF] for coverage details.
Referrals and Prior Authorizations
Some specialists — and specialty treatment centers (like nephrology or infusion) — may require a referral from your primary care doctor or prior authorization from Accolade before you can make an appointment. When scheduling an appointment, call Accolade at (866) 406-1182, Monday–Friday, 5 a.m.–8 p.m. PT to ask if a preservice review or precertification is required prior to your initial visit.
Certain services, such as a planned surgery with an overnight hospital stay, require prior authorization from Accolade. If you have a procedure scheduled or a condition that will require treatment, you may need a preservice review. For assistance, call Accolade at (866) 406-1182, Monday–Friday, 5 a.m.–8 p.m. PT.
Medical and Behavioral Health
When you see in-network providers, there are no claim forms to fill out. Your provider handles all the paperwork.
If you see an out-of-network provider for medical or behavioral health services or use an out-of-network pharmacy, it's up to you to submit a claim for reimbursement for services received or prescriptions.
The easiest way to file an out-of-network claim is to start with Accolade. Call (866) 406-1182 (Monday–Friday, 5 a.m.–8 p.m. PT) or visit the digital member portal. Accolade will direct you to the correct forms and answer any questions you have.
If you prefer, you can file out-of-network medical and behavioral health claims directly with Anthem through the Sydney Health app. Download it through the App Store or Google Play.
When you fill prescriptions at Navitus network pharmacies, there are no claim forms to fill out. Your pharmacy handles all the paperwork. If you use an out-of-network pharmacy, it's up to you to submit a claim for reimbursement for services received or prescriptions. The easiest way to file an out-of-network claim is through the Navitus member portal.
Anthem Blue Cross Life and Health Insurance Company is the claims administrator for UC PPO Plans. On behalf of Anthem Blue Cross Life and Health Insurance Company, Anthem Blue Cross processes and reviews the medical, pharmacy and behavioral health claims submitted under the PPO plans. Anthem Blue Cross Life and Health Insurance Company is an independent licensee of the Blue Cross Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. Navitus is an independent company providing pharmacy benefit management services on behalf of the University of California for the PPO plans. Accolade is an independent company providing benefits advocacy services on behalf of the University of California for the PPO plans. Health Net is the claims administrator for the UC Blue & Gold HMO. Health Net processes and reviews the medical, pharmacy and behavioral health claims submitted under the UC Blue & Gold HMO. All plan benefits are provided by the Regents of the University of California. The content on this website provides highlights of your benefits under the UC non-Medicare PPO Plans plans and the Blue & Gold HMO. The official plan documents and administrative practices will govern in any and all cases.