USC Trojan Care EPO

This page will be updated with 2025 information by Jan. 10, 2025.

The USC Trojan Care EPO is a high-quality, affordable medical plan especially designed for USC employees, with access to Keck Medicine of USC providers and other select Anthem providers within six Southern California counties.

This plan offers coverage to dependents who live in the U.S. outside of California or in Northern California. Those dependents have access to select Anthem Prudent Buyer/BlueCard providers where they reside.

How it works

You must use USC Trojan Care EPO network providers; there is no out-of-network coverage (except for urgent care and emergencies). Examples of out-of-network providers include, but are not limited to: UCLA Health hospitals, their physicians and any of its affiliates, Cedars Sinai Medical Center, their physicians and any of its affiliates, and City of Hope – Duarte.

When you need care, your only out-of-pocket cost for a physician visit is a $25 copay. For most other services, you only pay a 10% coinsurance after you meet your annual deductible ($125 for an individual; $350 for family coverage). Please review the Summary of Benefits and Coverage and Summary Plan Description, available in the Plan documents section of this page for additional information about your cost for medical services.

Your $25 copay is reduced to $15 for primary care physician (PCP) visits or behavioral health visits when you designate a PCP ahead of time – see information on designating a primary care physician below. You are not required to obtain a referral from your PCP before seeing a specialist.

See the USC Trojan Care EPO fact sheet.

Finding a provider

USC providers

You can access quality care from these providers in the Trojan Family:

  • Keck Medicine of USC physicians (available at UPC, HSC, and numerous other locations in Southern California)
  • Keck Hospital of USC
  • USC Arcadia Hospital
  • USC Norris Comprehensive Cancer Center
  • USC Verdugo Hills Hospital

To find providers call Keck at (833) KECK USC/(833) 532-5872 or visit http://www.keckmedicine.org/.

Other providers

To ensure your access to a full range of services, the USC Trojan Care EPO network also includes a wide selection of carefully chosen providers and facilities that meet USC quality standards, which you can find online at HCOnline, the consolidated member site.  Note you do not have to log in as a member to use the “find a provider” feature. However, USC Trojan Care EPO members – as well as anyone in your family – can log in to the site to find providers, compare medical plans, and more.

Visit https://hconline.healthcomp.com/usc, and see the HCOnline user guide.

Additional network providers only for eligible dependents 

To find providers for your out-of-state dependents, go to https://www.anthem.com/ca/find-care/ and click “Basic search as a guest,” then follow the steps below. 

  1. Under “Select the type of plan or network” select “Medical Plan or Network.”
  2. Under “Select the state where your plan is offered” select the “California”.
  3. Under “How do you get health insurance” select “Medical (Employer-Sponsored).”
  4. Under “Select a plan/network,” if you reside in California, select “Prudent Buyer PPO/EPO.” Or, if you reside outside of California, select “National PPO (BlueCard PPO),” then click on “Continue.”
  5. You must input your city, county, or zip code where you are seeking care before searching for the care provider type, you’re interested in.

Telemedicine providers

USC Trojan Care EPO participants may access LiveHealth Online, where a primary care physician visit can be conducted online via two-way video consultation. Physicians can answer questions, make a diagnosis and even prescribe basic medication, if needed. LiveHealth Online consultation will involve a $15 copay. Physicians are available year-round, 24/7. This service is only available within the United States. Visit www.livehealthonline.com for information on system requirements and supported mobile devices. Note that you will need your subscriber ID which begins with NP followed by the 7 digits of your employee ID number (NPXXXXXXX). Be sure to select “Anthem Blue Cross and Blue Shield” when asked which insurance you have. Employees and their spouses will need to create their own LiveHealth account to access a doctor visit; children can be seen using the employee’s account, but you will need to create a profile for each child.

Lyra Health providers

Lyra provides care for mental/emotional health at no cost to you. Whether you’re feeling stressed, anxious, or depressed, short-term support is available from Lyra’s top therapists, coaches, and online tools. For more information visit lyrahealth.com or see the other health and wellness programs page for information on the behavioral health benefits with Lyra Health.

Urgent care providers

Use a participating urgent care center if you don’t have a life-threatening emergency but have a condition that requires prompt medical attention to save time and money. (An urgent care copay is only $35.)

Find a participating urgent care center in CA by clicking here. Click on Basic search as a guest, then follow the steps below. (For participating locations elsewhere in the U.S., call BlueCard at (800) 810-2583.)

  1. Under “Select the type of plan or network” select “Medical Plan or Network.”
  2. Under “Select the state where your plan is offered” select  “California”.
  3. Under “How do you get health insurance” select “Medical (Employer-Sponsored).”
  4. Under “Select a plan/network,” if you reside in California, select “Prudent Buyer PPO/EPO.” Or, if you reside outside of California, select “National PPO (BlueCard PPO),” then click on “Continue.”
  5. You must input your city, county, or zip code where you are seeking care before clicking “Urgent Care.”

Emergency Care

The Trojan Care EPO Plan covers emergency medical conditions while traveling outside of Southern California and outside of the United States. If you experience a medical emergency, please visit the nearest hospital or emergency room for care.

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Designating a primary care physician

If you designate a primary care physician (PCP) for yourself, you receive a $10 discount on your copay amount each time you visit the physician’s office (excluding visits to a specialist). While not required, in addition to the savings you receive, designating a PCP gives you someone who will have the “big picture” of your health and who can monitor any changes. The same goes for your covered dependents. To designate a primary care physician for you and each of your covered dependents, register as a member at the HealthComp site (you may also wish to consult this helpful guide to designating a PCP). You may change your PCP designation at any time. Changes made on or before the 15th day of the month will be effective on the first day of the following month.

The USC Trojan Care EPO plan does not have a referral system, so you can make an appointment to see any provider you wish without obtaining a referral from your PCP. Note that it is your responsibility to determine what level of coverage you have with any provider before your visit. If a provider is not contracted with the USC Trojan Care EPO network, benefits are not covered under the plan.

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Getting prescriptions

The USC Trojan Care EPO plan’s prescription drug formulary is designed to provide a wide range of medications while helping keep the USC Trojan Care EPO a low-cost plan. Be sure to verify your medications are covered under the USC Trojan Care EPO drug formulary. Some medications may also require a clinical prior authorization or step therapies or have specific quantity limits.

The plan’s pharmacy benefits manager is Navitus. Our exclusive specialty pharmacy network includes Lumicera, USC Pharmacies, and Keck Specialty Pharmacy. Mail order service is available through Costco Mail Order Pharmacy (Costco membership not required).

Visit the Navitus USC site now to learn more about your medications in the formulary and search for a contracted pharmacy.

Livongo diabetes care

Refer to the Other health and wellness programs page for information on the diabetes management benefits through Livongo.

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Claims, billing, and reimbursement

The USC Trojan Care EPO Plan is administered by HealthComp. Call (855) 727-5267 with questions about plan benefits, bills, or claims. You can view your paid claims information on the HealthComp site, but you must first register as a member – see Registering on HealthComp. You can also sign up to receive Explanation of Benefits (EOB) statements online only – see Understanding your EOB.

Medical claim forms can be downloaded from the same site; a PDF version is posted here for your convenience:

HealthComp claim form

Submit claim forms along with copies of bills and receipts for documentation in one of three ways:

  1. Submit your medical claims electronically to HealthComp at HCOnline (Recommended for faster processing and tracking.)
    Instructions on how to submit a claim.
    Instructions on how to register for HealthComp.
  2. Fax to (559) 499-2464
  3. Mail to: HealthComp Administrators, PO Box 45018, Fresno, CA 93718-5018
    Note: Please keep copies of all documents mailed and faxed to HealthComp for your records.

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Your plan ID card

HealthComp issues medical plan identification cards, automatically sending two ID cards to subscribers with family coverage. If you need an extra card, log in to the the HealthComp site or call (855) 727-5267. Cards take about two weeks to arrive. You can also download a HealthComp Digital ID Card on the site.

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USC Premier Care

USC Premier Care is a free care management service for plan participants who use Keck Medicine of USC providers. Your physician can refer you to the program, or you may contact them directly at (833) 726-8773 (M-F, 8 a.m.-5 p.m.). The Premier Care team tailors services to each patient, collaborating with your physician and clinical staff to help you reach important health milestones. They also help with scheduling appointments, connecting you to wellness and support services, as well as clinical programs for issues like hypertension and diabetes, and provide additional support in the areas of health education, medication management, care transitions when you are hospitalized, and more. Learn more with the factsheets below:

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COVID-19 resources

Screening and testing – USC Trojan Care EPO will pay 100% for only medically necessary screening and testing of COVID-19. Members can purchase over-the-counter (OTC) COVID-19 tests authorized by the U.S. Food and Drug Administration (FDA) at no cost without a prescription. The reimbursement of OTC COVID-19 tests will remain in effect until December 31, 2024.

  • COVID-19 test kits can be purchased at network pharmacies at $0 member out-of-pocket, with a quantity limit of eight tests per covered individual every 30 days. This eight-test limit does not apply to such test kits ordered with a prescription. COVID-19 test kits must be purchased at the pharmacy counter with your medical/rx insurance card to ensure proper processing. View Navitus’ list of network pharmacies.
  • Members can also submit a claim for reimbursement for COVID-19 OTC test kits purchased on or after Jan. 15, including those from non-network pharmacies and non-pharmacy locations. The COVID-19 OTC Test Claim Form is also available for download at www.navitus.com/members.

For more detailed information, please see the COVID OTC Testing FAQs.

For the latest COVID-19 information, please visit the CDC website.

Members of this plan also have access to other health and wellness offerings, such as online health visits and mental health support. Visit Other health and wellness programs for details.

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Plan documents

USC Trojan Care EPO Welcome Brochure
USC Trojan Care EPO Fact Sheet
USC Trojan Care EPO Summary Plan Description
ERISA Summary Plan Description
Notice of Privacy Practices
Nurturing Together – Prenatal program
USC Trojan Care EPO – Summary of Benefits and Coverage (2024)

Contact information

USC Trojan Care EPO | USC Health Plans (213) 740-0035 or healthplans@usc.edu

Claim, eligibility or plan coverage questions
HealthComp | hconline.healthcomp.com/usc
855-727-5267 or hconline@healthcomp.com

Medical prior authorizations

Anthem Blue Cross
(800) 274-7767

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