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No-deductible health insurance for Central Kentuckians who use UK HealthCare

Our most popular plan with excellent value. You pay no deductibles and no co-payments for preventive care.

The HMO health plan is available to employees and retirees living in 10 Central Kentucky counties. Plan members have the UK HealthCare provider network available to them.

HMO Plan Booklet PDF

Summary of coverage and benefits PDF


Employee monthly rates

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

* 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.

$10 Primary care co-pay
$30 Specialist co-pay
$25 Urgent care co-pay

Coverage highlights

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

Costs for common services

HMO health planServiceUK HealthCare
Preventive Care (Coverage under preventive care category depends on age, symptoms, and diagnosis)Routine Pap smears, mammograms, PSA, screening colonoscopy, and sigmoidoscopy$0
Routine child care and immunizations (through age 18)$0
Routine adult physical exam (19 years and above, one per plan year)$0
Physician Services Primary care office visits (excludes certain diagnostic lab and X-ray)$10 co-payment for primary care physician
Specialist office visits (excludes certain diagnostic lab and X-ray)$30 co-payment for specialist
Lab tests, X-rays and diagnostic tests $0
Allergy injections $10 co-payment
Inpatient services$0
Outpatient surgery and diagnostics$0
Physician visits to emergency room$0
Hospital ServicesInpatient care (semi-private room and board, nursing care, ICU)$200 co-payment per admission
Hospital observation stay$100 co-payment
Organ transplants $0
Outpatient nonsurgical care $0
Outpatient tests, lab, X-ray and other diagnostic tests $0
Ancillary services $0
Outpatient surgery $75 co-payment
Outpatient diagnostic testing (high costs - MRI, MRA, CT and PET scans)$75 co-payment
Emergent/Urgent ServicesEmergency room$100 co-payment (waived if admitted)
Urgent treatment center $25 co-payment
UK Children's Twilight Clinic $15 co-payment
Ambulance $75 co-payment
Other Medical ServicesSkilled nursing facility (up to 30 per plan year) and hospice services$0
Home health care (up to 60 visits per plan year)20% co-insurance
Durable medical equipment, orthotics, and prosthetics 20% co-insurance up to $500 member cost per year
Hearing aids20% co-insurance for children under 18
Speech, music, physical, occupational, manipulative, hydrotherapy, acupuncture, pulmonary rehab, and cardiac rehab therapy (limited to 45 visits per plan year, combined) $15 co-payment per visit for all therapies
Mental Health and Substance AbuseInpatient mental health or substance abuse$200 co-pay per admission

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.