The UCC Medical Benefits Plan partners with Highmark Blue Cross Blue Shield to provide comprehensive medical and prescription drug coverage. Members have access to the nationwide BlueCard PPO network and may use in-network or out-of-network providers. Using participating providers generally reduces out-of-pocket costs.
Your employer determines which of the following medical plan options are available to you.
Medical Plan Comparison
| Benefit | Plan A | Plan B | Plan C |
|---|---|---|---|
| Effective Date | 1/1/2027 | 1/1/2027 | 1/1/2027 |
| Benefit Period | Calendar Year | Calendar Year | Calendar Year |
| Individual Deductible | $300 in-network / $600 out-of-network | $500 in-network / $1,500 out-of-network | $1,000 in-network / $3,000 out-of-network |
| Family Deductible | $600 in-network / $1,200 out-of-network | $1,500 in-network / $4,500 out-of-network | $3,000 in-network / $9,000 out-of-network |
| Plan Pays | 80% in-network / 60% out-of-network after deductible | 80% in-network / 60% out-of-network after deductible | 70% in-network / 50% out-of-network after deductible |
| Individual Out-of-Pocket Limit | $2,000 in-network / $4,000 out-of-network | $5,000 in-network / $15,000 out-of-network | $6,000 in-network / $18,000 out-of-network |
| Family Out-of-Pocket Limit | $4,000 in-network / $8,000 out-of-network | $10,000 in-network / $45,000 out-of-network | $12,000 in-network / $54,000 out-of-network |
| Total Maximum Out-of-Pocket | None listed | None listed | None listed |
| PCP Office & Virtual Visits | 100% after $25 copay in-network / 60% after deductible out-of-network | 80% after deductible in-network / 60% after deductible out-of-network | 70% after deductible in-network / 50% after deductible out-of-network |
| Specialist Office & Virtual Visits | 100% after $25 copay in-network / 60% after deductible out-of-network | 80% after deductible in-network / 60% after deductible out-of-network | 70% after deductible in-network / 50% after deductible out-of-network |
| Urgent Care Center Visits | 100% after $25 copay in-network / 60% after deductible out-of-network | 100% after $25 copay in-network / 60% after deductible out-of-network | 100% after $25 copay in-network / 50% after deductible out-of-network |
| On-Demand Telemedicine | 100% in-network, deductible does not apply / not covered out-of-network | 100% in-network, deductible does not apply / not covered out-of-network | 100% in-network, deductible does not apply / not covered out-of-network |
| Preventive Care | 100% in-network, deductible does not apply | 100% in-network, deductible does not apply | 100% in-network, deductible does not apply |
| Emergency Room Services | 80% after deductible; out-of-network paid at in-network level | 80% after deductible; out-of-network paid at in-network level | 70% after deductible; out-of-network paid at in-network level |
| Hospital Inpatient | 80% in-network / 60% out-of-network after deductible | 80% in-network / 60% out-of-network after deductible | 70% in-network / 50% out-of-network after deductible |
| Outpatient Mental Health | 100% after $25 copay in-network / 60% after deductible out-of-network | 100% after $25 copay in-network / 60% after deductible out-of-network | 100% after $25 copay in-network / 50% after deductible out-of-network |
This comparison is a summary only and does not describe all aspects, restrictions, or limitations of the applicable plans and benefits. If there is any discrepancy between this document and the applicable Plan document, the Plan document controls. Review the formal plan materials before making a benefit election.
Before making an election: Confirm which medical plan or plans your employer offers.
Find a Medical Provider
Use Highmark’s Find Care tool to locate participating providers. Enter your address, use CQM as the alpha prefix, and select BCBS PPO from the network menu.
Find a Medical Provider
Visit: https://www.highmark.com/member/bcbs >>
Get Answers to Frequently Asked Questions >>
Prescription Drug Coverage
Prescription drug coverage is included with medical plan enrollment. Members have access to participating retail pharmacies and the Express Scripts Mail Order Pharmacy. Prescription copayments and coinsurance vary by drug type. Prescription drug expenses do not apply toward the medical plan deductible or out-of-pocket maximum.
| Benefit: Prescription Drugs | Plans A, B, & C |
|---|---|
| When purchased at an Express Scripts network retail pharmacy Up to a 30-day supply |
$17 copay for a generic drug $30 copay for a brand-name drug on the formulary $45 copay for a brand-name drug not listed on the formulary |
| When purchased through the Mail Order Pharmacy Up to a 90-day supply |
$34 copay for a generic drug $75 copay for a brand-name drug on the formulary $115 copay for a brand-name drug not listed on the formulary |
Review Prescription Drug Information >>
Additional Benefits Through Highmark
Medical plan enrollment includes access to additional health and wellness programs through the Highmark member experience. Depending on eligibility, available programs may include:
- Virtual primary and urgent care
- Dermatology and women’s health services
- Mental well-being support
- Diabetes management tools
- Virtual joint and pelvic health programs
- Other health and wellness tools
Log into the Highmark Member Portal and select Additional Benefits to explore available programs and find the support that is right for you. Eligibility and program terms may vary.
Access the Highmark Member Portal >>
Need Help?
For Benefits Questions
Chat with Member Services
Call: 800.642.6543
E-mail: [email protected]