Health plan Indemnity
For people who live more than 120 days in rural areas or abroad
This plan offers coverage for participants traveling out of the country for extended periods and for those who live in rural areas where UK health insurance plans have no providers.
If you will be out of the service areas for our other plans more than 120 consecutive days in the plan year, you must elect the UK Indemnity plan.
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 |
* 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.
Coverage highlights
| Indemnity health plan | Maximums | Any network |
|---|---|---|
| Lifetime Maximum Benefit | Unlimited | |
| Out-of-Pocket Amount | Annual deductible | $500/member; $1,000/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
| Indemnity health plan | Service | Any network |
|---|---|---|
| Preventative Care | $0 | |
| Physician services | Primary care visit | 20% after deductible |
| Specialty care visit | 20% after deductible | |
| Lab tests, X-rays, diagnostic tests | 20% after deductible | |
| High-end diagnostics | 20% after deductible | |
| Hospital services | Inpatient hospital stay | 20% after deductible |
| Outpatient surgery | 20% after deductible | |
| Emergent/Urgent Services | Urgent treatment center visit | 20% after deductible |
| Emergency room visit | 20% after $100 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.
Retirees
Please use the Retiree Benefits Enrollment form and return to Scovell Hall.