Medical

All of USC’s medical plans provide:

  • access to top-quality providers
  • preventive care at no cost to you
  • effective coordination among providers
  • limits on out-of-pocket expenses
  • coverage for prescription drugs, behavioral health and substance abuse services, and out-of-network emergency care

Note that neither vision nor dental care is included but both are options available for purchase.

See the detailed 2018 Medical Plan Comparison Chart. (Verdugo Hills employees, as well as union-represented employees from across the university, should view their medical plan options on their own pages; this chart does not include their options.)

Cost comparison

The chart below details your cost for each plan, but to figure your actual cost you must also figure in:

  • A $50/month working spouse surcharge, if you cover a spouse who has access to medical insurance through his/her employer (if you don’t cover a spouse, this surcharge does not apply; it also does not apply if both you and your spouse work at USC and are covered by the same plan, or if your spouse is covered by Medicare, Tricare and/or other disability-based health insurance)
  • A $25/month no-tobacco-use credit
  • A $40/month credit for completing an annual health assessment

Medical plan rates effective January 1-December 31, 2018

Employee cost for medical plans (salary reduction – pretax dollars) USC Trojan Care EPO USC PPO USC HMO Kaiser HMO
Employee Monthly $145 / Biweekly $72.50 Monthly $224 / Biweekly $112 Monthly $121 / Biweekly $60.50 Monthly $151 / Biweekly $75.50
Employee + adult Monthly $303 / Biweekly $151.50 Monthly $488 / Biweekly $244 Monthly $300 / Biweekly $150 Monthly $324 / Biweekly $162
Employee + child(ren) Monthly $249 / Biweekly $124.50 Monthly $398 / Biweekly $199 Monthly $270 / Biweekly $135 Monthly $296 / Biweekly $148
Employee + adult + child(ren) Monthly $386 / Biweekly $193 Monthly $625 / Biweekly $312.50 Monthly $385 / Biweekly $192.50 Monthly $431 / Biweekly $215.50

(For those on a biweekly pay cycle, deductions are taken equally from the first two paychecks each month.)

For additional help in choosing your medical coverage, visit the webpages of the individual plans (linked above in chart). Direct questions to USC’s Health Plans office at healthplans@usc.edu or (213) 740-0035.

Medical for Keck/Norris union employees – overview

Healthy choices incentives (only applies to above plans)

Smoking cessation resources