UK Indemnity provides coverage for participants traveling out of the country for extended periods and for those who live in rural areas where UK HealthCare plans have no providers. This plan offers the freedom to receive care from any physician for covered benefits.
UK Indemnity Factors to Consider:
Complete freedom to receive services from any provider.
If you will be out of the UK-HMO, UK-RHP, UK-PPO or UK-EPO plan service areas for more than 120 consecutive days in the plan year, you must elect the UK Indemnity plan.
Monthly rates for employees retired or eligible to retire as of July 1, 2007:
|Coverage Level||Monthly cost*||UK pays||Employee pays|
|Retiree only; spouse only||$801||$721||$80|
|Retiree + child(ren)||$1,199||$721||$478|
|Retiree + spouse||$1,598||$721||$877|
|Retiree + family||$2,001||$721||$1,280|
Monthly rates for employees under age 65 hired before Jan. 1, 2006, and eligible to retire AFTER July 1, 2007:
|Years of service|
|Age at retirement||15 or more but less than 20||20 or more but less than 25||25 or more|
|Less than 60||$641||$481||$320|
|60 or older but less than 61||$601||$441||$280|
|61 or older but less than 62||$561||$401||$240|
|62 or older but less than 63||$521||$360||$200|
|63 or older but less than 64||$481||$320||$160|
|64 or older but less than 65||$441||$280||$120|
If you wish to add a spouse who is under 65 years old or children, these additional rates apply:
|Spouse + children||Add $1,200/month|
|At age 65 or older, retirees pay the lower Medicare Advantage rate|
Covered transplants include kidney, liver, pancreas, kidney/pancreas, heart, lung, heart/lung, bone marrow and cornea transplants.
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Full coverage information
Health Plan Availability
UK Indemnity is only available to those participants who live in or travel for extended periods of time to areas where UK HealthCare plans have no providers (rural areas and out of country.