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Trio Plan

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In 2024, Stanford is partnering with Aetna to administer its self-funded plans. As a result, our partnership with Aetna discontinues our relationship with Blue Shield of California, and the Trio plan will no longer be available. You will have four medical plan options to choose from — three nationwide plans administered by Aetna and the Kaiser HMO. 

Learn more about your plan options for 2024

Trio is a comprehensive medical plan that covers only in-network providers and facilities within certain California counties, requiring you select a primary care doctor (PCP) who is responsible for the overall coordination of your care.

Trio uses a select Blue Shield of California network of doctors and hospitals (the Trio ACO HMO provider network). This network includes providers at UCSF, Dignity Health, Hills Physicians, and more. Access to a provider group, such as Hills Physicians, is based upon a reasonable distance from either your home or work ZIP code (except for services such as the Away From Home care program, which provides some benefits for students and family members living outside the service area). The Trio plan network excludes Palo Alto Medical Foundation and Stanford Health Care. 

Trio is a plan with a copayment, which you make at the point of service and the university covers the remaining costs. If you choose to see a doctor or use a hospital outside the network, you pay the full cost of the care you receive. 

Review plan information and resources for Trio, Blue Shield

Plan enhancement as of Aug. 1, 2022: Coverage for travel to access medical care, including covered abortion services, when there is no in-network provider within 100 miles of a member’s home.



You must select a primary care physician (PCP) from the Trio network that is a reasonable distance from your home or work ZIP code.

There is no benefit if you see a Non-Network provider, except for emergency or urgent care use for an emergency health issue.

Pre-Authorization Requirement

Pre-authorization required for all hospital stays and outpatient procedures by your Medical group.

Office copays

$30 copay primary/$50 copay specialist


No deductible

Out-of-Pocket Maximum

$3,500 per individual/$7,000 family

Combined Network or Non-Network. A single out-of-pocket maximum applies to all coverage under the plan, including medical and prescription drugs. (This will cover prescriptions and medical expenses at 100% once the out-of-pocket maximum is met.)


Physical exams for adults


Physical exams for children


Pap smears




Well-woman visits



Pharmacy (Retail)

Up to a 30-day supply per prescription.

Contraceptive drugs and devices: $0

Tier 1 drugs: $10/prescription

Tier 2 drugs: $40/prescription

Tier 3 drugs: $100/prescription 

Tier 4 drugs (excluding specialty drugs): 20% up to $200/prescription

Mail order drug program

Up to a 90-day supply per prescription.

Contraceptive drugs and devices: $0

Tier 1 drugs: $20/prescription

Tier 2 drugs: $80/prescription

Tier 3 drugs: $200/prescription 

Tier 4 drugs (excluding specialty drugs): 20% up to $400/prescription

Specialty drugs and oral anti-cancer drugs: 20% up to $200/prescription (per prescription, up to a 30-day supply)


Birth Control Pills

Contraceptive drugs and devices: $0


Abortion services

Blue Shield provides abortion services as they remain protected under California state law.  As this is a network-only plan, abortion services are covered at 100 percent. If abortion services are not available within 100 miles of their home ZIP code, members can be reimbursed for the costs of travel (airfare, mileage, rental car, lodging, and meals) up to $2,000 annually.

Traveling Outside the U.S.

When you’re outside California or out of the country, you and your family can get urgent and emergency care through the BlueCard and Blue Shield Global Core programs. These programs offer access to doctors and hospitals almost everywhere in the U.S. and in 170 countries and territories around the world. To find a provider in the U.S., visit, or call 800-810-BLUE. To find a provider outside the U.S., visit, or call 804-673-1177 collect from outside the U.S.