Health insurance | UK Human Resources

Health plans

All employees with an assignment of 0.20 FTE or greater can enroll in a health insurance plan — costs are automatically deducted from your paycheck.

Central Kentucky residents: Employees and retiree options: HMO, PPO, EPO
Additional option for employees: Saver
Residents of outlying counties in Kentucky: Employees and retiree options: RHP
Additional option for employees: Saver
U.S. residents: Employees and retiree options: PPO, EPO
Additional option for employees: Saver
International travelers and rural residents: Indemnity
Retirees age 65+: Medicare Advantage

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Basic health coverage terminology
Employee health
Student health

News

Making changes

Your first 30 days

Welcome to UK! You can sign up for benefits depending on your FTE. Enroll in your benefits quickly in myUK.

If you experience a major life change outside of open enrollment you can also make changes to your insurance. This is known as a qualifying event. You'll need to fill out and submit a form within 30 days.

Benefits Open Enrollment

Our Benefits Open Enrollment happens every year so that you can make changes. Changes can be made in myUK, or with paper forms.

Retirees

Please use the Retiree Benefits Enrollment form and return to Scovell Hall.

Employee monthly rates

2020-2021 HMO, PPO, Saver, Indemnity
Coverage level	Total monthly cost*	UK pays	You pay
Employee only	$575	$542	$33
Employee + children	$862	$719	$143
Employee + spouse	$1,150	$885	$265
Employee + family	$1,437	$1,046	$391

2020-2021 RHP
Coverage level	Total monthly cost*	UK pays	You pay
Employee	$579	$542	$37
Employee + children	$885	$719	$166
Employee + spouse	$1,185	$885	$300
Employee + family	$1,484	$1,046	$438

2020-2021 EPO
Coverage level	Total monthly cost*	UK pays	You pay
Employee only	$779	$542	$237
Employee + children	$1,141	$719	$422
Employee + spouse	$1,537	$885	$652
Employee +family	$1,926	$1,046	$880

2021-2022 HMO, PPO, Saver, Indemnity
Coverage level	Total monthly cost*	UK pays	You pay
Employee only	$599	$564	$35
Employee + children	$899	$752	$147
Employee + spouse	$1,199	$927	$272
Employee + family	$1,498	$1,098	$400

2021-2022 RHP
Coverage level	Total monthly cost*	UK pays	You pay
Employee only	$613	$564	$49
Employee + children	$919	$752	$167
Employee + spouse	$1,225	$927	$298
Employee + family	$1,532	$1,098	$434

2021-2022 EPO
Coverage level	Total monthly cost*	UK pays	You pay
Employee only	$812	$564	$248
Employee + children	$1,218	$752	$466
Employee + spouse	$1,624	$927	$697
Employee + family	$2,030	$1,098	$932

Retiree rates
Working retiree rates
Long-term disability rates
Student rates
COBRA rates

* Regular part-time and temporary employees (less than 0.75 FTE or work less than an average of 30 hours per week in a 12 month measurement period), who are not eligible for the UK credit toward the costs of coverage, pay this rate.

Different plan designs for different needs

We offer employees five different plan designs with different options to offer you flexibility in terms of where you live and your provider network.

Retirees, before you turn 65, you have the same health insurance options as employees. Once you enroll in Medicare through the government at age 65, you’re eligible for our UK health insurance which supplements Medicare. It's called Medicare Advantage.

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Plan Location	Monthly cost	Deductible	Coinsurance	Provider network
HMO Central Kentucky	$	$0	0%	UK HealthCare
PPO National	$	Low	10-50%	UK HealthCare Anthem Out-of-network
RHP Outlying counties of Kentucky	$$	$0	0%	UK HealthCare Anthem
EPO National	$$$	$0	0%	UK HealthCare Anthem
Saver National	$	High	10-40%	UK HealthCare Anthem Out-of-network
Indemnity Abroad or rural areas for more than 120 days	$	Low	20%	Out-of-network
Medicare Advantage National coverage for retirees 65 and above	$	Low	4%	United HealthCare network

Common costs comparison

All preventative care appointments are $0.

An empty cell means the plan does not offer coverage for that provider network.
		HMO	PPO	RHP	EPO	Saver
UK HealthCare	Primary care co-pay	$10	$15	$10	$15	10% after deductible
	Specialist co-pay	$30	$40	$30	$40	10% after deductible
	Urgent care	$25	$50	$25	N/A	10% after deductible
Anthem	Primary care co-pay		$25	$10	$25	30% after deductible
	Specialist co-pay		$50	$30	$50	30% after deductible
	Urgent care		$50	$25	$50	30% after deductible
Out-of-network	Primary care co-pay		50% after deductible			40% after deductible
	Specialist co-pay		50% after deductible			40% after deductible
	Urgent care		50% after deductible			40% after deductible

Indemnity is only available if you live more than 120 days abroad or in rural areas in states other than Kentucky.
		Indemnity
Any network	Primary care co-pay	20% after deductible
	Specialist co-pay	20% after deductible
	Urgent care	20% after deductible

Medicare Advantage is available to retirees age 65 and older.
		Medicare Advantage
United Healthcare	Primary care co-pay	4% after deductible
	Specialist co-pay	4% after deductible
	Urgent care	$65 co-pay

Health insuranceA health plan option at every age and in every location

Health plans

News

Making changes

Your first 30 days

Qualifying events

Benefits Open Enrollment

Retirees

Employee monthly rates

Different plan designs for different needs

HMO

PPO

RHP

EPO

Saver

Indemnity

Medicare Advantage

Compare plans

Common costs comparison

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