Healthy Rewards HRA DRAFT [Lucas]

A high-deductible plan with network options

The Healthy Rewards plan offers a Health Reimbursement Account (HRA). You must meet the deductible before medical services are covered. There are three benefit tiers. Tier 1 benefits, provided by the GatorCare Network, offer the best value with low deductibles, out-of-pocket costs and co-insurance, and include hospitals, physicians and providers in Gainesville and Jacksonville. When using the Tier 1 GatorCare Network for wellness and preventive care, annual physicals and labs are offered with no out-of-pocket expense to you. Tier 2 benefits apply when you receive services from Florida Blue’s NetworkBlue providers, which result in higher deductibles, out-of-pocket costs and co-insurance. For Tiers 1 and 2, the deductible does not apply to wellness and preventive care annual physicals and labs. Tier 3 benefits apply when you receive services from an out-of-network provider; you still have coverage, but may be billed for the difference between the provider’s charge and the allowed amount.

UF Health Shands Psychiatric Hospital surrounded by palm trees


Looking for an overview of the plan?

Here you can find general information about the plan and get a better idea of how our coverage works for you!

Looking for more specifics?

Check out our Health Plan Benefits Document!

Here we have answers to questions like: How much do I pay per visit? What’s my deductible? and How much is covered at the pharmacy?

Coming soon!

New in 2023

Egg Freezing
Pharmacy Changes: Value Max Copay Assistance, Tier 0 Contour® and Contour Next® Test Strips, Maintenance Medication refills

Infertility Benefits

Benefit descriptions

GatorCare 2022 Infertility Benefits

Below is a document that details eligibility, diagnoses, treatment, and coverage for Healthy Rewards HSA members.


Infertility Benefits FAQ’s for 2022

Below is a list of frequently asked questions for infertility benefits and coverage for Healthy Rewards HSA members.


UF Health Reproductive Medicine Providers

Below is a list of UF Health Reproductive Medicine Providers that provide Tier 1 coverage for Healthy Rewards HSA Members.

Additional Resources (Summary of Benefits and Coverage)

Benefit Booklet

2022 HRA Benefit Booklet

This booklet describes your coverage, benefits, limitations and exclusions for the self-funded Group Health Benefit Plan Healthy Rewards HSA established and
maintained by GatorCare.

Schedule of Benefits

2022 Schedule of Benefits (CYD’s and OOP’s)

This Schedule of Benefits is part of your Benefit Booklet, where more detailed information about your
benefits can be found.

SBC Medical

2022 Summary of Benefits and Coverage (MEDICAL)

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services.

SBC PHarmacy

2022 Schedule of Benefits and Coverage (PHARMACY)

This document details the Healthy Rewards HSA pharmacy coverage and benefits.

Contact your dedicated Florida Blue representative

The following applies to the above plan:

As a result of the Affordable Care Act, GatorCare is required to provide employees with an easy-to-understand Summary of Benefits and Coverage (SBC) statement that describes the plan’s coverage. All insurance companies must use the same format allowing members to compare plan options. Please note that the examples on page 8 for medical and page 12 for pharmacy, do not reflect actual GatorCare co-pays and deductibles, rather they are general examples required by the federal government. To get your GatorCare medical specific cost of services, call (800) 664-5295; for Magellan Pharmacy Benefits, call (800) 651-8921.

For additional questions about enrollment or premiums, view the Enrollments section of the FAQ page or contact your Human Resources office.