Factors to Consider

  • Complete freedom to receive services from any provider.
  • If you will be out of the UK-HMO, UK-PPO, or UK-EPO plan service areas for more than 120 days (4 months), you must elect the UK Indemnity plan.
  • Deductibles, expenses for mental health and substance abuse and prescription coinsurance do NOT accrue toward the maximum out-of-pocket limit.
  • Covered transplants include kidney, liver, pancreas, kidney/pancreas, heart, lung, heart/lung, bone marrow and cornea transplants.

Prior authorization is required for the following services: inpatient hospital services; inpatient mental health, alcohol and/or chemical dependency services; outpatient mental health, alcohol and/or chemical dependency services; and skilled nursing facility services. Failure to obtain prior authorization will result in a 50% benefit penalty.

Continue below for an overview of benefits. For more details, view the UK Benefits booklet or the summary of benefits coverage.

Summary of Health Plan Benefits

Employee health plans