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No-deductible health insurance with provider options

This plan offers greater flexibility of health care providers similar to the PPO plan. However, there are no deductibles or co-insurance. This excellent coverage is achieved in exchange for a higher monthly premium.


Employee monthly rates

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

* 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.

$15 UK HealthCare primary care co-pay
$25 Anthem primary care co-pay
$50 Anthem specialist co-pay

Coverage highlights

Deductibles and out-of-pocket maximums that vary based on who you see for care.

EPO health planMaximumsUK HealthCareAnthem
Lifetime Maximum BenefitUnlimitedUnlimited
Out-of-Pocket AmountAnnual deductible$0/member; $0/family$0/member; $0/family
Medical out-of-pocket maximum$3,000/member; $6,000/family$3,000/member; $6,000/family
Prescription out-of-pocket maximum$4,900/member; $9,800/family$4,900/member; $9,800/family

Costs for common services

EPO health planServiceUK HealthCareAnthem
Preventive Care (Coverage under preventive care category depends on age, symptoms and diagnosis)Routine immunizations (through age 18)$0$0
Routine mammogram and Pap smears$0$0
Routine child care (through age 18)$0$0
Routine adult physical exam (19 years and above)$0$0
Physician Services Primary care office visits (excludes certain diagnostic lab tests and X-ray)$15 co-pay per visit$25 co-pay per visit
Specialist office visits (excludes certain diagnostic lab tests and X-ray)$40 co-pay per visit $50 co-pay per visit
Lab tests and X-raysSame as office visit co-paySame as office visit co-pay
Allergy injections $10 co-pay per visit $10 co-pay per visit
Inpatient services $0$0
Outpatient surgery and diagnostic tests$0$0
Physician visits to emergency room$0$0
Hospital ServicesInpatient care (semi-private room and board, nursing care, ICU)$300 co-pay per admission (limited to two co-pays per plan year)$500 co-pay per admission (limited to two co-pays per plan year)
Outpatient surgery$100 co-pay per procedure$150 co-pay per procedure
Outpatient diagnostic testing (high costs - MRI, MRA, CT, PET scans)$75 co-pay per test$100 co-pay per test
Outpatient nonsurgical care$0$0
Outpatient tests, lab and X-ray$0$0
Ancillary services$0$0
Organ transplant$0$0
Emergent Medical ServicesEmergency room$100 co-pay (waved if admitted)$100 co-pay (waived if admitted)
Urgent treatment centerN/A$50 co-pay per primary care visit
Ambulance services$100 co-pay$100 co-pay
Other Medical ServicesSkilled nursing facility (up to 100 days/plan year)$0$0
Home health care (up to 100 visits/plan year) and hospice services$0$0
Hospice services$0$0
Durable medical equipment 20% co-insurance up to $500 member cost per year20% co-insurance up to $500 member cost per year
Chiropractic care*, physical, speech, music, hydrotherapy, occupational and acupuncture therapy (limited to 45 visits per plan year, combined) *Maximum 20 visits for chiropractic care$20 co-pay/visit$30 co-pay/visit
Mental Health and Substance AbuseInpatient$300 co-pay per admission$500 co-pay per admission
Outpatient$40 co-pay per visit$50 co-pay per visit

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.


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