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 BlueOptions 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.
2024 Benefit Resources
LOOKING FOR MORE SPECIFICS?
Check Out the 2024 Summary of Health Plan Benefits!
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 BlueOptions 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.
2024 Summary of Benefits & Coverage (MEDICAL)
The SBC shows how you and the plan would share the cost for covered health care services.
2024 Schedule of Benefits & Coverage (PHARMACY)
The SBC shows how you and the plan would share the costs for covered pharmacy services.
2024 Healthy Rewards HRA Benefit Booklet
This booklet describes your coverage, benefits, limitations and exclusions for the self-funded Group Health Benefit Plan Healthy Rewards HRA established and maintained by GatorCare.
2024 Schedule of Benefits (CYD’s & OOP’s)
This Schedule of Benefits is part of your Benefit Booklet, where more detailed information about your benefits can be found.
2024 General Wellness Guidelines
Not sure what exams and screenings to do to keep yourself well? Check out the General Wellness Guidelines below for an in-depth look at the recommended doctor visits you should do this year!
Additional Benefit Resources
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.
URGENT CARE CENTERS
Tier 1 Urgent Care Centers in Florida
Tier 1 UCC’s are being updated accurately reflect current locations and rates.
Free Diabetes Test Strips
Tier 0 Contour® & Contour® Next Test Strips
All members are eligible to receive free Contour® and Contour® Next test strips at a Tier 0 level of coverage.
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.
Infertility Benefits
Benefit descriptions
GatorCare Infertility Benefits
Below is a document that details eligibility, diagnoses, treatment, and coverage for Healthy Rewards HRA plan members.
FAQs
Infertility Benefits FAQs
Below is a list of frequently asked questions for infertility benefits and coverage for Healthy Rewards HRA plan 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 HRA plan members.
2023 Benefit Resources
Benefit Booklet
2023 Healthy Rewards HRA Benefit Booklet
This booklet describes your coverage, benefits, limitations and exclusions for the self-funded Group Health Benefit Plan Healthy Rewards HRA established and maintained by GatorCare.
Schedule of Benefits
2023 Schedule of Benefits (CYD’s & OOP’s)
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 & Coverage (MEDICAL)
The SBC shows how you and the plan would share the cost for covered health care services.
SBC PHarmacy
2023 Schedule of Benefits & Coverage (PHARMACY)
The SBC shows how you and the plan would share the costs for covered pharmacy services.
2023 General Wellness Guidelines
Not sure what exams and screenings to do to keep yourself well? Check out the General Wellness Guidelines below for an in-depth look at the recommended doctor visits you should do this year!
Contact your dedicated Florida Blue representative
- Gainesville—(352) 594-3354
GatorCareCSR@bcbsfl.com - Jacksonville & Central Florida—(904) 244-9130
GatorCareCSR@bcbsfl.com
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.