GatorGradCare health insurance is available exclusively to Graduate Assistants, Teaching Assistants, and Research Assistants on appointment (.25 FTE or greater) at the University of Florida.
Enrollment is not automatic. Plan participants must re-enroll by the enrollment deadline of September 14 to continue coverage each academic year they are eligible for coverage.
For specific GatorGradCare plan information, please visit GatorCare’s GatorGradCare page.
For general GatorCare information, please visit http://gatorcare.org
Medical Benefits Administration – Florida Blue
Pharmacy Benefits – Magellan Pharmacy Solutions
Plan Name: – GatorGradCare
Group Number – 78358
Dental Benefits – PDF
Participant Eligibility Requirements
University of Florida graduate assistants, teaching assistants, and research assistants appointed .25 FTE or greater may participate in the GatorGradCare health insurance plan.
To ensure that graduate assistants meet the above eligibility criteria, hiring departments must ensure the following:
- The GA, TA, or RA appointment must occur via the Letter of Appointment (LOA) process in PeopleSoft, and all Letter of Appointment criteria met
- Active GA, TA or RA job with .25 or greater FTE entered in PeopleSoft
- The GA receives a stipend as a bi-weekly paycheck from the appropriate UF account
Graduate Assistant eligibility for GatorGradCare is reviewed before their coverage is loaded with the insurance company. This process begins after drop/add. Plan participants will receive an eligibility confirmation email notice once verification has been completed.
If a plan participant experiences a medical emergency before their eligibility is confirmed, they may contact the GA Benefits Office at (352) 392-0003 or by email email@example.com.
Enrollment is not automatic; graduate assistants must submit a GatorGradCare enrollment application each academic year.
The online enrollment can be found here: https://bluebiz.bcbsfl.com/stuenroll/GatorGradCare.do
Eligible graduate assistants may enroll in GatorGradCare during the specified enrollment periods only.
The enrollment deadlines for the plan are as follows:
|Coverage Period||Enrollment Deadline|
|Annual Enrollment||September 14|
|Spring/Summer Enrollment||January 30|
|Summer Only Enrollment||May 16|
Enrollments cannot be accepted after the enrollment deadline.
Students who miss the GatorGradCare enrollment deadline or are not eligible for GatorGradCare can purchase the UF student health insurance plan available through UnitedHealthcare StudentResources. Enrollment in the UF student insurance plan can be submitted only during the designated enrollment periods each academic term. For more information regarding the student insurance plan, please contact the UF Health Compliance Office by calling (352) 294-2925 or emailing firstname.lastname@example.org.
Enrollees should retain the INSURANCE REQUEST CONFIRMATION email received after successfully submitting the online GatorGradCare enrollment application.
Effective Dates of Coverage
The GatorGradCare coverage effective dates are as follows:
|Coverage Period||Effective Date|
|Summer Only||May 16|
Coverage terminates 8/15/18 for participants with active Summer 2018 coverage who do not re-enroll for the 2018-2019 academic year and participants who are no longer eligible for GatorGradCare in Fall 2018.
Please note the following important information regarding GatorGradCare coverage effective and termination dates for the 2018-2019 policy year:
- If you submit an annual enrollment and are only eligible for the plan for the fall, your GatorGradCare coverage terminates 12/31/18.
- If you submit an annual or spring/summer enrollment and meet the eligibility requirements for the plan for the entire spring term, your coverage continues through the summer, regardless of eligibility status in the summer term.
- Coverage terminates 8/15/19 for participants with active Summer 2019 coverage who do not re-enroll for the 2019-2020 academic year and participants who are no longer eligible for GatorGradCare in Fall 2019.
Coverage terminates prior to the termination dates noted above if any of the following occur:
- GA/TA/RA job terminated prior to the end of the semester–GatorGradCare coverage terminates at the end of the month of job termination.
- Enrollment by participant in another UF-sponsored health insurance plan–GatorGradCare coverage termination date may be adjusted to coordinate with the effective date of the new UF-sponsored plan.
- Gain of other group health insurance–GatorGradCare terminates at the end of the month following qualifying event date provided required documentation and paperwork submitted within 60 days of the event.
Note: New and returning GatorGradCare plan participants must submit an online enrollment application by the September 14, 2018 deadline to enroll in coverage for the 2018-2019 academic year. ENROLLMENT IS NOT AUTOMATIC. Elections made during Fall Annual Enrollment are effective August 16.
ID cards are mailed to your local home mailing address and arrive about 2 weeks after your coverage is loaded for the first time with Florida Blue. Please note the following:
- Florida Blue does not issue separate ID cards for dependents covered under your insurance plan. You will receive two ID cards in your name and dependents will use your insurance card information. Medical providers and pharmacies are able to confirm the dependent coverage using the ID card.
- You may order additional cards or print a temporary card after you create an online account at www.floridablue.com. Information regarding creating your online account is found below.
- Please notify email@example.com if your mailing address needs to be updated.
Creating Your Online Account with Florida Blue
You will be able to view claims details, order additional ID cards, and print temporary ID cards online at www.floridablue.com by logging in to MyBlueService after you have created your online account.
You must have your member ID number in order to create your online account. The member ID will be available through Florida Blue Customer Service a few days after your eligibility is confirmed by the University of Florida. You can obtain your member ID number by contacting Florida Blue Customer Service at (800) 664-5295.
Effective August 2018, there is a nominal monthly premium of $10.00 for individual coverage per the Collective Bargaining Agreement between UF Board of Trustees and the Graduate Assistants United (GAU). This premium will be collected through payroll deduction.
Payroll deductions for graduate assistants participating in 2019 spring/summer GatorGradCare coverage are doubled in spring to pay for summer plan coverage. No deductions will be taken in summer for spring/summer participants.
UF will pay the balance of the GatorGradCare annual premium ($2,624) on the GA’s behalf. Departments will need to use the appropriate Fringe Benefit Pool Rate to budget for GA benefits costs.
Graduate assistants who include coverage for their dependent(s) on their online enrollment are responsible for the dependent premium. Please see the section entitled “Dependent Coverage” for additional information.
|2018-2019 Annual GatorGradCare Dependent Premiums (effective 8/16/18 to 8/15/19)|
|Family (Spouse/Partner +Child(ren))||$4,508|
Enrollees may elect dependent coverage at the time of enrollment. Eligible dependents include the graduate assistant’s spouse or domestic partner and dependent child(ren) up to 26 years of age. Dependent documentation (birth certificate, marriage certificate, etc.) may be requested by UF Benefits.
The premium (cost of insurance) for dependents is shown on the online enrollment and is the GA’s responsibility. The dependent premium is charged to the GA’s student financial account as shown on the online enrollment.
All elections on the online enrollment are final. Changes to dependent coverage level can be made only if there is a qualifying event. Please see the Qualifying Status Change section below for additional information.
Qualifying Status Changes
Outside of the initial enrollment submission for GatorGradCare, plan participants may make a change to the plan coverage level only if they experience a qualifying status change (QSC.)
Plan participants are responsible for reporting any qualifying status events and submitting the appropriate documents to GA Benefits Office within 60 days of the event. Qualifying status events include the following changes in family or employment status:
- Birth, adoption, or legal guardianship
- Death of spouse or dependent
- Involuntary gain/loss of eligibility for other group health insurance
If adding dependent coverage based on a QSC, the change to your coverage level is effective on the qualifying event date. If removing dependent coverage based on a QSC, the change to the coverage level is effective on the first of the month following the qualifying event date.
The enrollment form and supporting documentation for the qualifying event must be provided to the GA Benefits Office within 60 days of the event date.
The premiums for adding dependent coverage based on a QSC are the graduate assistant’s responsibility. The premium is calculated based on the effective date of coverage and will be charged to the GA’s student financial account. No refunds are granted for termination of dependent coverage based on a QSC; dependent premium adjustments are processed through the student financial account system.
Contact the GA Benefits Office at (352) 392-0003 or firstname.lastname@example.org to report a qualifying status change.
Use of the Student Health Care Center (SHCC)
It is recommended that GatorGradCare participants in the Gainesville area contact the Student Health Care Center first for routine, non-emergency medical and pharmacy services. Although there is no referral requirement under the plan and you are not required to utilize the Student Health Care Center, use of the SHCC may result in significant savings to the participant for routine care.
To schedule an appointment at SHCC, call (352) 392-1161. More information can be found on the SHCC website.
Mandatory Health Insurance (MHI) Information
If you are eligible and enroll in GatorGradCare, this coverage meets the UF mandatory health insurance requirement. You do not need to do anything else after submitting the GatorGradCare enrollment through the enrollment site and agreeing to the mandatory health insurance requirement policy through your student account.
Because of the timing, you will see the charge for the school-sponsored plan on your student financial account until GatorGradCare eligibility is confirmed. You should not pay this charge or complete the MHI waiver because the MHI charge will be removed once your GatorGradCare eligibility is confirmed after the drop/add period.
COBRA—Continuation of Coverage After Termination
Once your GatorGradCare Health Insurance terminates, Florida Blue will send a COBRA packet to you by postal mail.
COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federally mandated program that allows you to continue your medical benefit at your expense based on the following qualifying events:
- Termination of employment (for reasons other than gross misconduct)
- Divorce or legal separation
- Employee’s death (for eligible dependents)
- Covered employee becomes eligible for Medicare
- Child ceases to be eligible for coverage under the plans
If your mailing address has changed, please email email@example.com immediately with your UFID and new address to ensure timely delivery of important insurance information.
To participate in active GatorGradCare coverage, pre-doc fellows must be appointed as a GA/TA/RA with an FTE of .25 or greater. Students appointed exclusively as pre-doc fellows (no GA/TA/RA or GA/TA/RA with FTE less than .25) may participate in the United HealthCare student health insurance plan.
Active GatorGradCare participants who terminate their GA/TA/RA appointment due to a transfer to a new pre-doc fellowship appointment may elect GatorGradCare COBRA coverage based on the termination of their GA appointment. The University of Florida or applicable funding source will pay for individual/single coverage only for the duration of the pre-doc fellowship appointment, provided the pre-doc fellow appointment is entered in the UF PeopleSoft system and the student receives a stipend bi-weekly through the UF payroll system. To elect this option, please contact the GA Benefits Office by emailing firstname.lastname@example.org. COBRA enrollment is not automatic and enrollment must be completed by the COBRA election deadline.
For questions regarding plan coverage or claims please call Florida Blue Customer Service at (800) 664-5295. (This is the telephone number on the back of your insurance ID card.)
For local assistance with questions regarding plan coverage, contact one of the on-site Florida Blue GatorCare representatives as follows:
To locate GatorCare providers, please check http://gatorcare.org/network or call (352) 265-UFMD (8363).
Enrollment and eligibility questions, qualifying status changes, and mailing address changes should be directed to the GA Benefits Office email email@example.com or phone (352) 392-0003. You may also contact us using this form. (Note: Address change requests must be submitted in writing.)