Premium Plus – FAQs

Designed with flexibility in mind, offering three tiers of benefit coverage

The Premium Plus plan offers you three network tier options. Tier 1 benefits are services you receive from the GatorCare Network, which includes hospitals, physicians and providers in Gainesville and Jacksonville, and Central Florida.   Tier 1 benefits offer the best value, with lower deductibles and out-of pocket costs. Tier 2 benefits apply when you receive services from Florida Blue Options Network providers, which typically result in higher out-of-pocket costs. When using Tiers 1 and 2 for wellness and preventive care, annual physicals and labs are offered with no out-of-pocket expense to you. Tier 3 benefits apply when you receive services from an out-of-network provider.

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

Find a Provider

Q. Is my Doctor In-Network? 

A. To find out if your doctor or provider participates in GatorCare, click below to refer to the:

A list of providers can also be found on the Florida Blue website. When searching in the Florida Blue online provider directory, please use “BlueOptions” to find providers that qualify for coverage under within Tier 2.

Q. How do I locate an In-Network Urgent Care Center?

A. A list of participating Urgent Care centers is available on the website, GatorCare Urgent Care

A list of Blue Options Urgent Care Centers can also be found on the Florida Blue website.

(Note: Convenient Care clinics such as Minute Clinics inside pharmacies, are NOT COVERED)

Q.  Will I need a waiver to go to a UF Health provider in Gainesville?

A.  No, you will not need to get a waiver. To schedule an appointment through the UF Health Gainesville Access Center call 352-265-5555. The UF Health Physician – Patient Access Center is open Monday through Friday from 8:00 a.m. to 5:00 p.m. The center is closed on holidays. After-hours, non-urgent messages are taken by their inhouse answering service. Urgent requests are handled immediately by UF Health operators.

Q. What happens if I am out of the state and need medical care?

A. There are many participating Network Blue providers in the United States and abroad. You can access a listing of these participating providers on our website,  On the provider directory home page, click FIND DOCTORS AND HOSPITALS WORLDWIDE, OR FIND DOCTORS AND HOSPITALS NATIONALLY.  Your policy does provide benefits for emergency care even at non-par providers, these providers are considered out of network. The suitcase symbol on your card shows GatorCare is participating in the Out-Of-Area plan.