Frequently Asked Questions (Open Enrollment)
Click here for our separate Prescription Benefit FAQ.
- What if I do NOT want to enroll online?
- I want to enroll online. What is the Web site?
- Are there any benefit offerings that have changed for the 2009-2010 plan year?
- Have there been any health plan changes made to the current plans for
FY 2009-10? - Is the prescription coverage changing in FY 2009-10?
- Will I receive a new ID card this year?
- If I don't want to make any changes, do I still need to do something with the online enrollment?
- What is the difference between UK-PPO and UK-EPO? What does this mean?
- What is the network for UK-PPO?
- What is an Indemnity plan?
- Is there full coverage for emergencies under the UK-EPO plan or is only a percentage of an emergency visit or hospitalization covered?
- Can UK-HMO Regional participants utilize both the UK Medical Center physicians in Lexington and the physicians in the county in which they reside?
- Is the live or work option only available to persons who have the UK Indemnity plan option?
- Did the costs of health care benefit premiums for employees change this plan year?
- What if I do not wish to make any changes to my current health plan?
- What is the Open Enrollment deadline?
- When can I change the elections I make now?
- Will I have a record of what I choose?
- Where can I get help enrolling online?
- I have enrolled for benefits online. Do I need to submit paper forms?
- Will the Two UK Employee + Family credit (formerly called "spousing" or "combined credit") still be available in the 2009-10 plan year?
- What if I do NOT want to enroll online?
You may enroll by submitting paper enrollment forms to:
-112 Scovell Hall
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- I want to enroll online. What is the Web site?
From your work or home computer, use your Exchange/AD/MC (same log on as your email) log on ID and visit www.myUK.uky.edu. If you have difficulty logging in, contact the IT Customer Service Center for assistance at 257-1300.
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- Are there any benefit offerings that have changed for the 2009-10 plan year?
Yes. There are a few new developments. The UK-PPO High plan will no longer be offered. Participants in this plan that wish to continue coverage in the new plan year must elect a different UK health plan.
The Delta Dental Copay plan will no longer be offered. Participants in this plan that wish to continue coverage in the new plan year must elect a different UK dental plan. Click here for details on what's new.
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Is the prescription coverage changing in FY 2009-10?
No. Express Scripts will continue to be the pharmacy benefit manager. Coinsurance rates remain unchanged. However, the formulary list of approved drugs has changed for the upcoming plan year. Click here to view the 2009-10 formulary.
Prescription Benefit Summary
Coinsurance
Generic
Preferred Brand
Non-Preferred Brand
1-month supply local pharmacy
20%
40%
50%
1-month supply local pharmacy (minimum)
$8.00
$20.00
$40.00
1-month supply local pharmacy (maximum)
$50.00
$60.00
$100.00
3-month supply mail service or KY Clinic Pharmacy
10%
30%
40%
3-month supply mail service or KY Clinic Pharmacy (minimum)
$24.00
$60.00
$120.00
3-month supply mail service or KY Clinic Pharmacy (maximum)
$100.00
$120.00
$200.00
You will receive a mailing from UK Employee Benefits with a new formulary list (preferred drug list) to be effective July 1, 2009 and a list of Pharmacy resources.
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Will I receive a new ID card this year?
Express Scripts will not send a new ID card if you are currently participating in a UK health plan and do not change your UK health plan coverage.
All health plan members will receive new ID cards this year.
All new participants in the Delta Dental and EyeMed plans will receive new ID cards.
UK Dental Care does not issue ID cards.
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- If I don't want to make any changes, do I still need to do something with the online enrollment?
No. If you do not want to change, add or remove any benefit plan, you don't need to take any action during Open Enrollment. Remember: if you want to participate in a Flexible Spending Account, you must re-enroll EACH YEAR. Additionally, if you were enrolled in UK-PPO HIgh or Delta Dental Copay, you will need to enroll in a new plan.
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What is the difference between UK-PPO and UK-EPO? What does this mean?
UK-PPO is a preferred provider organization health plan (PPO). The differences between the plans are the premiums, deductibles, copayments and coinsurances that apply for each plan. The UK-PPO will have a lower premium but a deductible and coinsurance when compared to the UK-EPO. The PPO plan offers coverage for both in-network and out-of-network providers. There is a higher coverage level for benefits provided by a network provider. The UK-EPO (Exclusive Provider Organization) plan is the same as an HMO (Health Maintenance Organization). A network provider must be used in order to receive a benefit unless benefits are received for a life or limb threatening medical emergency.
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What is the network for UK-PPO?
The network for those participating for these plans is Humana/ChoiceCare PPO. In addition, a second tier has been created to include the UK HealthCare network. This network includes the UK Chandler and Good Samaritan Hospitals, KY Clinics and participating Urgent Treatment Centers. Certain services will be provided at reduced copayments.
Remember, the UK-PPO plans offer out-of-network benefits, and the UK-EPO network does not. The networks may be accessed on Humana's website: www.humana.com.
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What is an Indemnity plan?
The Indemnity plan is a traditional health plan with a deductible and coinsurance. It does not have a network requirement and is only offered to participants who live outside of Kentucky. When participants use one of the Humana or Choice Care network providers, a discount is provided.
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Is there full coverage for emergencies under the UK-EPO plan or is only a percentage of an emergency visit or hospitalization covered?
Under the UK-EPO plan, there is full coverage for emergencies or "urgent care" services received from an in-network or out-of-network facility. For example, if you have the UK-EPO plan and break your leg while on vacation, the emergency room visit and any immediately necessary treatment would be covered at the "in-network" level. However, if the doctor tells you to come back in three days for a follow-up visit, that follow-up visit would not be considered emergency or urgent care. You would have to come home for follow-up treatment (or find a participating network physician and facility).
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Can UK-HMO Regional participants utilize both the UK Medical Center physicians in Lexington and the physicians in the county in which they reside?
Yes, if you have the UK-HMO Regional plan you have access to the network hospitals and physicians in the county where you live or any of the adjoining counties. You may also use the UK Medical Center and UK physicians.
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Is the live or work option only available to persons who have the UK Indemnity plan option?
Yes, it is. The UK Indemnity plan will be offered to the areas out of state. So if you live in Indiana, but work in Louisville, you may choose the plans that are available in Jefferson County where you work or in Indiana where you live.
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Yes, unless you are participating in the UK-HMO plan. The monthly premium for the UK-PPO health plan will decrease and the UK-HMO premium will not increase, making the rates for those plans the same. The UK-EPO monthly premium will increase.
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- During Open Enrollment, what if I do not wish to make any changes to my current health plan?
You need not re-enroll unless you wish to participate in a flexible spending account or are currently participating in the UK Health First plan and wish to continue coverage in the new plan year.
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What is the Open Enrollment deadline?
If you wish to make changes to your benefits (or re-enroll in flexible spending), you must enroll no later than Friday, May 15th, at 5:00 p.m. EST. You may enroll online or submit paper enrollment forms.
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When can I change the elections I make now?
Because the University of Kentucky deducts premiums for health, dental and vision insurance as well as flexible spending benefit plans on a pre-tax basis, the benefit choices you make now may not be changed unless you have a qualified change in family status, as defined by Internal Revenue Code, Section 125. The choices you make during Open Enrollment will be in effect from July 1, 2009 through June 30, 2010.
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Will I have a record of what I choose?
Yes, but you must make a copy of your enrollment form(s) or print a "Participation Overview" if enrolling online at myUK.
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- Where can I get help enrolling online?
Representatives will be available to assist with the online enrollment process at 112 Scovell Hall, M-F 8-5 p.m. during the Open Enrollment period. In addition, you may receive assistance by calling 257-9519, option 3 during the hours of 8am-5pm.
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I have enrolled for benefits online. Do I need to submit paper forms?
No. You may confirm your benefits elections by viewing the Participation Overview in the Employee Self-Service portal.
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Will the Two UK Employee + Family credit (formerly called "spousing" or "combined credit" ) still be available in the 2009-2010 plan year?
Yes, the spousing credit will apply. When both husband and wife are regular full-time UK employees, the single coverage tier credit is combined with the employee plus children coverage tier credit, and both credits are applied toward the cost of the family premium. The out of pocket cost is exactly the same as one employee being on a single plan and the other employee being on an employee plus children plan. There is no benefit in combining credits if you are in the UK-HMO or UK-EPO plan. However, there is an advantage of combining credits in the PPO plan that has a family maximum on the deductible. Employees may have a lower deductible amount to meet in one family plan versus in two separate plans.
