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.
Overview and Benefits
OVERVIEW
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?
Urgent Care Centers
New Tier 1 Urgent Care Centers in Florida 2023
Tier 1 UCC’s are being updated accurately reflect current locations and rates.
Infertility Benefits
Benefit descriptions
GatorCare 2022 Infertility Benefits
Below is a document that details eligibility, diagnoses, treatment, and coverage for Healthy Rewards HSA members.
FAQ
Infertility Benefits FAQ’s for 2022
Below is a list of frequently asked questions for infertility benefits and coverage for Healthy Rewards HSA members.
Providers
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.
2023 Additional Resources (Summary of Benefits and Coverage)
Benefit Booklet
2023 Prime Plus Benefit Booklet [COMING SOON]
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
2023 Schedule of Benefits (CYD’s and OOP’s) [COMING SOON]
This Schedule of Benefits is part of your Benefit Booklet, where more detailed information about your
benefits can be found.
SBC Medical
2023 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
2023 Schedule of Benefits and Coverage (PHARMACY)
This document details the Healthy Rewards HRA pharmacy coverage and benefits.
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.
Coming in 2023
Egg Freezing
Elective Oocyte Cryopreservation (Egg Freezing)
Egg freezing services offered by Tier 1 UF Health Reproductive Medicine physicians at Springhill Reproductive Endocrinology Institute are covered by GatorCare.
Copay Assistance
Value Max Copay Assistance
The Value Max Copay Assistance Program is being expanded to cover diabetes medications. To view all affected medications, click the link below.
Free Diabetes Tests
Tier 0 Contour® and Contour® Next Test Strips
All members are eligible to receive free Contour® and Contour® Next Test strips at a tier 0 level of coverage.
Contact your dedicated Florida Blue representative
- Gainesville—(352) 594-3354
GatorCareCSR@bcbsfl.com - Jacksonville & Central Florida—(904) 244-9130
GatorCareCSR@bcbsfl.com
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.