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Benefits

Employee Health Plans & Rates

What You Need to Know: 

Because choosing the right health plan for you and your family can be challenging, the overview below has been created to help you identify which health plan best suits your individual needs. The major differences between the University health plans have been highlighted, allowing you to accurately compare each plan. Note: All UK health plans automatically include separate prescription benefits coverage, administered by Express Scripts.

Plans At A Glance

Benefits Structure Coverage Level Monthly Rate UK Credit for Regular Full-Time Employees Monthly Cost for Regular Full-Time Employees

UK-HMO Lexington Service Area

  • must use UK HealthCare facilities & physicans
  • lowest premium & out-of-pocket costs
  • no deductible
  • no out-of-network coverage (coverage is provided for emergency care at a non-participating facility only if your condition is an Emergency Medical Condition as determined by the plan)

Click here for a more detailed overview of UK-HMO coverage. 

Employee Only

$493

$466

$ 27

Employee + Child(ren)

$738

$606

$132

Employee + Spouse/
Sponsored Dependent

$984

$726

$258

Employee + Family

$1,232

$852

$380

UK-RHP Regional Health Plan

  • must use UK-RHP network physicians across Kentucky for routine care, select hospital facilities for surgery/diagnostic care and/or UK HealthCare facilities & physicans
  • lowest premium & out-of-pocket costs
  • no deductible
  • no out-of-network coverage (coverage is provided for emergency care at a non-participating facility only if your condition is an Emergency Medical Condition as determined by the plan)
  • must live in qualifying county

Click here for a more detailed overview of UK-RHP coverage

Employee Only

$493

$466

$ 27

Employee + Child(ren)

$738

$606

$132

Employee + Spouse/
Sponsored Dependent

$984

$726

$258

Employee + Family

$1,232

$852

$380

UK-PPO Administered by Anthem

  • care offered through UK HealthCare facilities & physicians in addition to Anthem network providers
  • out-of-network coverage offered
  • members pay co-pay, coinsurance & deductibles

Click here for a more detailed overview of UK-PPO coverage

Employee Only

$493

$466

$ 27

Employee + Child(ren)

$738

$606

$132

Employee + Spouse/
Sponsored Dependent

$984

$726

$258

Employee + Family

$1,232

$852

$380

UK-EPO Administered by Anthem

  • Largest network of providers (both UK & Anthem )
  • No out-of-network coverage
  • No deductible
  • No referrals required for specialty care services

Click here for a more detailed overview of UK-EPO coverage

 

Employee Only

$627

$466

$161

Employee + Child(ren)

$941

$606

$335

Employee + Spouse/
Sponsored Dependent

$1,256

$726

$530

Employee + Family

$1,570

$852

$718

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 Anthem, information regarding participating providers, and claims inquiries, refer to the "Contact" resources provided on our website.

Eligibility

Read about the eligibility for UK health care benefits »

Enrollment Options

Our page on "how to enroll" will guide you through enrolling in UK HealthCare benefits.

Other Options

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. Read more »

COBRA Coverage

COBRA Insurance coverage is insurance on an individual basis when you or your dependent(s) become ineligible for University benefits, usually following separation from employment. Read more »

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.