Factors to Consider



  • UK-HMO's Lexington Service Area network consists of UK HealthCare facilities (including Chandler Hospital, Good Samaritan Hospital, and Kentucky Clinics) and UK HealthCare physicians.

  • UK-RHP (Regional Health Plan) Area network includes the UK HealthCare facilities, UK HealthCare physicians and Anthem BlueCross and BlueShield providers (use the UKHMO RSA provider link on the Anthem page).

  • Both plans do not require referrals for specialty care services provided within the network.

  • Both plans have no deductibles to meet.

  • Both plans have no coverage for out-of-network services unless it is life or limb threatening.

  • Both plans offer the lowest monthly premiums and lowest out-of-pocket costs.

  • Both plans covered transplants including: kidney, liver, pancreas, kidney/pancreas, heart, lung, heart/lung, bone marrow and cornea transplants.


Prior authorization is requred for the following services: Durable medical equipment (over $750), home health care and hospice services and other services as listed in the certificate of coverage.  Available urgent care options include: Urgent Treatment Centers in Lexington (Dove Run Road, Custer Drive, and Boardwalk Street), Nicholasville (Bellaire Drive) as well as the UK Children's Twilight Clinic.


UK-HMO vs UK-RHP: What's the Difference? 




The two plans provide similar levels of coverage, but are available in different areas of Kentucky and offer different provider networks. The UK-HMO plan covers Fayette surrounding counties and includes a network comprised primarily of UK HealthCare providers. The UK-RHP plan covers every other county in Kentucky and offers a select network of local providers, as well as UK HealthCare providers. 


UK-HMO Benefits




Click to view table summary of UK-HMO benefits »


Click to view full plan details of UK-HMO (PDF) »


UK-RHP Benefits




Click to view table summary of UK-RHP benefits »


Click to view full plan details of UK-RHP (PDF) »


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