UK Human Resources

UK Indemnity Health Plan

What You Need to Know: 

The UK Indemnity plan is available to out-of-state residents and Medicare-eligible retirees. The UK Indemnity option is only available to those participants who live or travel out of state for extended periods of time. Indemnity plans offer the freedom to receive care from any physician. For covered services, there is an annual deductible that must be met before the health plan begins paying a benefit.

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