Human Resources

UCR Health - 2021 Open Enrollment

During open enrollment, consider the advantages of selecting UCR Health as your partner for health care.

UCR Health is a team of physicians, specialists and healthcare professionals dedicated to improving the health of you and your family. They are the clinical enterprise of the UC Riverside School of Medicine, so you can be confident you are receiving the highest-quality care. UCR Health contracts with most health plans, including UC Blue & Gold HMO. For more information, visit the UCR Health website.

Nationwide Pet Insurance

UC offers preferred pricing on pet insurance through Nationwide, and you may enroll anytime — not just during Open Enrollment. Nationwide has two benefit options designed for the pets of UC faculty, staff and retirees — coverage for accidents and illness or more comprehensive coverage that also includes preventive care and wellness services. Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles); animals categorized as livestock (including horses) are not eligible.

For more information on the UC Pet Insurance program, please visit the UCnet Open Enrollment webpage.

Behavioral Health

For employees enrolled in UC Blue & Gold HMO, behavioral health and substance abuse coverage are provided by Managed Health Network (MHN).

For employees enrolled in Kaiser Permanente, behavioral health and substance abuse coverage are provided by both Optum and Kaiser Permanente.

Behavioral health and substance abuse coverage are provided by Anthem Blue Cross for employees and retirees enrolled in:

• CORE
• UC Care
• UC Health Savings Plan (HSP)

For more information on the Behavioral Health plan, please visit the UCnet Open Enrollment webpage.

UC Blue & Gold HMO

UC Blue & Gold is an HMO (Health Maintenance Organization) administered by HealthNet, with a custom network of providers created exclusively for UC. The Blue & Gold HMO network includes:

• Over 240 hospitals, 10,000 PCPs and 26,100 specialists
• Coverage in 30 California counties
• All UC Medical Centers and medical groups

For more information regarding the UC Blue & Gold HMO plan, please visit the UC Blue & Gold HMO webpage.

2021 Plan Changes

UC Blue & Gold HMO will have an increase in the copay for emergency room care without hospital admittance.

Pharmacy

Prescription refills may be ordered 5 days in advance rather than 7 days beginning January 1, 2021 for specialty medications. Reorder timing for retail and mail order prescriptions will reduce gradually throughout 2021.

Omada Diabetes Prevention Program

UC members are able to access the Omada program for up to two years, instead of indefinitely. Participants nearing the two-year mark will be notified via email at 30 days, 14 days, and 1 day prior to their account closure to ensure they will have ample time to save lessons, conversations and resources.

Kaiser Permanente – California

Kaiser Permanente is an HMO (Health Maintenance Organization) with a closed network of providers.

• You choose a primary care physician (PCP) from Kaiser Permanente’s network
• The PCP coordinates your care and refers you to specialists
• The plan covers the cost of services only when your primary care physician authorizes it
• Kaiser Permanente provides coverage for services outside of the network only in cases of emergency
• Behavioral health benefits are provided by Kaiser Permanente and Optum

2021 Plan Changes

Kaiser Permanente will have an increase in the copay for emergency room care without hospital admittance.

There will be minor changes to eligible Over the Counter (OTC) Prescription Drugs for Kaiser Permanente – Drugs with the same active ingredient, strength, dosage form as the prescription drug cannot be prescribed. Does not apply to insulin and tobacco cessation drugs.

For more information about the Kaiser Permanente plan, please visit the UC Kaiser Permanente – California webpage.

CORE

CORE is a high-deductible catastrophic plan. The administrator of the plan, Anthem Blue Cross, processes claims, offers a network of health care providers and pharmacies, and sets clinical policies and guidelines.

2021 Plan Changes

No plan changes for 2021.

For more information on the CORE Plan, visit the UCnet Open Enrollment webpage.

UC Care

UC Care is a PPO plan created just for UC. You may receive or obtain care from UC physicians and medical centers as well as the Anthem Preferred network of providers — the choice is yours. You also have coverage for out-of-network providers.

2021 Plan Changes

The UC PPO plans will not see a rate increase, the UC contribution towards the out of pocket costs is reduced from 80% to 70% and there is an increase in plan deductibles, and out of pocket maximum costs.  All PPO plans will have an increase in the copay for emergency care without hospital admittance.

For more information on the UC Care Plan, please visit the UC Care Plan webpage.

UC Health Savings Plan

The UC Health Savings Plan (HSP) is a high-deductible PPO (preferred provider organization) paired with a health savings account (HSA), a federal tax-free account maintained by HealthEquity, to help pay your out of pocket costs.

2021 Plan Changes

The Health Account (HSA) maximum contribution will be increasing from $3,550 to $3,600 for single coverage and from $7,100 to $7,200 for family coverage.

There are no changes for the UC Health Savings Plan for in-network deductible for individual and family coverage.

For more information on the CORE Plan, please visit the UC Health Savings Plan webpage.

2021 Employee Medical Plan Costs

You and UC share the costs of your medical plan premium; UC contributes up to 100 percent of the cost, depending on the plan and the coverage you choose, as well as your Medical Contribution Base (MCB), which is based on your full-time salary rate as of January 1, 2020. Medical plan rates are tiered (based on your MCB) so that the cost you pay for medical insurance is somewhat proportional to your pay rate. Your MCB will not change during 2021, even if your salary changes.

• Employee Medical Plan Costs
• Retiree Medical Plan Costs

Choose the appropriate salary tier below to see the monthly amount that you will pay for your medical plan in 2021:

• $58,000 and under
• $59,001–$118,000
• $118,001–$176,000
• $176,001 and above

For more information about 2021 Employee Medical Plan Costs, please visit the UCnet Open Enrollment webpage.

Supplemental Health Plans

UC offers three supplemental insurance options — Accident, Critical Illness and Hospital Indemnity plans — that pay cash benefits if you experience a covered accident, illness or hospital stay.

UC’s Supplemental Health Plans are not a substitute for medical or disability coverage, but they can complement your coverage with extra protection against the unexpected. Depending on the coverage you select, you will receive a pre-determined cash payment if you’re injured, ill or hospitalized — regardless of your actual medical costs or lost income. The payment is yours to use however you choose.

During Open Enrollment, you may enroll in one, two or all three plans:

• Accident: Cash benefits if you receive services related to an accident, such as ER and urgent care visits, ambulance rides, X-rays, surgery and physical therapy.
• Critical Illness: Depending on the level of coverage you choose ($10,000 or $30,000), provides a lump-sum payment if you are diagnosed with certain illnesses, including cancer, heart attack, stroke and more. Plus, a cash payment just for getting an annual health screening exam or a mammogram.
• Hospital Indemnity: Pays a pre-determined dollar amount if you are admitted to the hospital due to an accident or illness, or for maternity care. And continues to pay a cash benefit for every day you are in the hospital, up to 31 days.

Please note: Supplemental Health Plans are administered by Aflac. Please view the Video: Supplemental Health Plans to receive more information about the benefits of each plan and enroll with Aflac. If you have questions or need assistance enrolling, contact the dedicated UCPlus customer service team at (888) 212-7201.

New! Discovery Benefits

Discovery Benefits will be the new vendor for Health and Dependent Care Flexible Spending Accounts and COBRA. Discovery Benefits will replace WageWorks; offering greater enhancements and easier claims processing. Discovery Benefits will offer one debit card if enrolled in both plans (Health and Dependent Care flexible spending accounts), one service account, and a mobile app.

For information on the 2021 Flexible Health Spending Accounts, please visit the UCnet Open Enrollment webpage.

ARAG Legal Insurance

ARAG Legal Insurance gives you access to basic, personal legal help. The plan provides online, over-the-phone or in-person access and covers specific legal services. These services are provided through ARAG at an annual cost much less than the average hourly rate for an attorney in California. The legal insurance plan helps mainly with routine preventive or defensive matters and covers most legal needs.

2021 Plan Changes

ARAG Legal plan has added Diversity and Inclusion legal services including:

• Domestic Partnership Agreements
• Funeral Directives
• Hospital Visitation Authorizations
• Gender Identifier changes to government documents

For more information about the ARAG Legal Insurance plan, please visit the UCnet Open Enrollment webpage.