Health Plans - Plan Options
Understanding the Health Plans Offered at UK
The section below lists each health plan offered at UK and includes a brief description highlighting major differences between plans.
UK-HMO Lexington Service Area (LSA):
The UK Health Maintenance Organization (UK-HMO) LSA requires members to utilize UK HealthCare facilities and UK HealthCare physicians. This focused network helps members reduce their total health care costs. If you choose the UK-HMO, you will pay the lowest premium available and the lowest out-of-pocket cost compared to the other health plans.
UK-HMO Regional Service Area (RSA):
The UK-HMO RSA requires members to utilize either UK HealthCare facilities, UK HealthCare physicians, or a regional physician network (Humana UK-HMO RSA network). Only employees living in qualifying counties may choose the RSA. While the RSA network additionally consists of regional providers throughout the state, RSA members are required to utilize
providers either in their specific county or at a UK HealthCare facility. If you choose the UK-HMO RSA you will pay the lowest premium available and the lowest out-of-pocket cost compared to the other health care plans (other than the UK-HMO LSA).
UK-PPO:
The UK Preferred Provider Organization (UK-PPO) allows members to not only utilize UK HealthCare facilities and UK HealthCare physicians, but also a larger provider network
consisting of the Humana and ChoiceCare networks. Unlike the UK-HMO, the UK-PPO plan offers out-of-network coverage. The UK-PPO out-of-pocket costs, including premiums are slightly higher than the UK-HMO. For example, members will not only pay copayments, but also coinsurance and deductibles if enrolled in the UK-PPO.
UK-PPO High:
The UK-PPO High plan allows members to not only utilize UK HealthCare facilities and UK HealthCare physicians, but also a larger physician network consisting of the Humana and ChoiceCare networks. Much like the UK-PPO, the PPO High offers out-of-network coverage and also consists of copayments, coinsurance and deductibles. However, the copayments,
coinsurance and deductible levels are lower with the PPO High and the premiums are higher. The UK-PPO High offers flexibility at a high coverage level.
UK-EPO:
The UK Exclusive Provider Organization (UK-EPO) requires members to utilize either UK HealthCare facilities, UK HealthCare physicians, or the Humana and ChoiceCare networks.
Members enrolled in the UK-EPO will have access to a larger network of providers than the HMO, but like the UK-HMO members are required to see an in-network provider for coverage. The UK-EPO offers the highest level of coverage among all the Humana plans
offered. If you choose the UK-EPO you will pay higher premiums, but have a larger network than the UK-HMO.
UK Indemnity
UK Indemnity is only available to those participants who live or travel out of state for extended periods of time. This plan offers the freedom to receive care from any physician for covered benefits.
What is a "Combined credit?"
The Employee + Family /Combined credit tier combines the Single credit and the Employee + Children credit, resulting in the same overall premium amount being deducted as would be deducted if each employee enrolled in a separate plan.
The advantage of choosing this tier is seen by those enrolled in the PPO and Indemnity plans that have individual and family deductibles. By enrolling all members of the family on one plan, employees may benefit from a lower overall deductible.
Please note, while the information on this site provides an overview of the health plans, we recommend members become familiar with the specifics of their plan prior to receiving care. For a more detailed description of the plans administered by CHA, information regarding participating providers, and claims inquiries call either (859) 232-8679 or (877) 855-9700 or visit www.mc.uky.edu/ukhmo. For a more detailed description of the plans administered by Humana, information regarding participating providers, and claims inquiries call (877) 857-1681 or visit www.humana.com.
