GatorCare Premium

Designed With Flexibility in Mind, Offering Three Tiers of Benefit Coverage

The Premium plan offers three network tier options. Tier 1 benefits are services you receive from the GatorCare Network, which includes hospitals, physicians and providers in Gainesville, 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 the Florida Blue BlueOptions network, 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; you still have coverage, but may be billed for the difference between the provider’s charge and the allowed amount.

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2024 Benefit Resources

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Looking for More Specifics?

Check Out Our 2024 Health Plan Benefits Document!

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

2024 Premium Benefit Booklet

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

Additional Benefit Resources

Diabetes Medication 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

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.


Contact Your Dedicated Florida Blue Representative

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

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