Health insuranceA health plan option at every age and in every location
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
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.
Qualifying events
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
| Coverage | Cost * | UK pays | You pay |
|---|---|---|---|
| Employee only | $575 | $542 | $33 |
| Employee + children | $862 | $719 | $143 |
| Employee + spouse | $1,150 | $885 | $265 |
| Family | $1,437 | $1,046 | $391 |
| Coverage | Cost * | UK pays | You pay |
|---|---|---|---|
| Employee | $579 | $542 | $37 |
| Employee + children | $885 | $719 | $166 |
| Employee + spouse | $1,185 | $885 | $300 |
| Family | $1,484 | $1,046 | $438 |
| Coverage | Cost * | UK pays | You pay |
|---|---|---|---|
| Employee only | $779 | $542 | $237 |
| Employee + children | $1,141 | $719 | $422 |
| Employee + spouse | $1,537 | $885 | $652 |
| Family | $1,926 | $1,046 | $880 |
* 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.
HMO
No-deductible health insurance for Central Kentuckians who use UK HealthCare.
PPO
Low-deductible health insurance with provider options.
RHP
No-deductible health insurance for Kentuckians in 110 outlying counties.
EPO
No-deductible health insurance with provider options.
Saver
Employees only: High-deductible health insurance with provider options and a health savings account.
Indemnity
Health insurance for people who live more than 120 days in rural areas or abroad where UK health insurance plans have no providers.
Medicare Advantage
Health insurance for retirees 65 and older.
Need help choosing? ALEX is your online benefits advisor.
Compare plans
| 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.
| 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 | ||
|---|---|---|
| Any network | Primary care co-pay | 20% after deductible |
| Specialist co-pay | 20% after deductible | |
| Urgent care | 20% after deductible |
| Medicare Advantage | ||
|---|---|---|
| United Healthcare | Primary care co-pay | 4% after deductible |
| Specialist co-pay | 4% after deductible | |
| Urgent care | $65 co-pay |