Skip to main

For retirees 65 and older

This plan offers complete freedom to receive services from any provider who accepts Medicare.

This plan, administered by UnitedHealthcare, features a different "plan year" from other UK health insurance plans. Your Medicare Advantage plan begins on January 1 and ends on December 31.

Turning 65 soon?

If you are currently enrolled in other UK health insurance plans, you should enroll for Medicare Part B and this plan at least 30 days prior to your 65th birthday. We recommend enrolling 2-3 months before your 65th birthday.

Medicare Advantage coverage will automatically renew each year. To get a copy of the enrollment form for this plan, call 859-257-9519, option 3.


This plan automatically includes prescription benefit coverage. As a result, you should not apply for a separate Medicare Part D plan.


Retiree monthly rates

CoverageCostUK paysRetiree pays
Retiree only (eligible for credit)$186$167$19
Retiree + spouse (eligible for credit)$372$167$205
Retiree or spouse (not eligible for credit)$186$0$186
Surviving spouse (eligible for credit)$186$83$102
Retiree + spouse (not eligible for credit)$372$0$372

Coverage highlights

Medicare Advantage health planMaximumsUnited Healthcare
Lifetime Maximum BenefitUnlimited
Out-of-Pocket AmountAnnual deductible$185 per member
Medical out-of-pocket maximum$3,000 per member, $6,000 per family
Prescription out-of-pocket maximumN/A

Costs for common services

Medicare Advantage health planServiceUnited Healthcare
Preventive CareRoutine mammogram and Pap smears, 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 ServicesRoutine outpatient laboratory tests and X-rays4% after deductible
Office visits (excludes certain diagnostic lab tests and X-ray)4% after deductible
Lab tests and X-rays4% after deductible
Allergy injections4% after deductible
Inpatient services4% after deductible
Outpatient surgery and diagnostic tests4% after deductible
Hospital ServicesInpatient care (semi-private room and board, nursing care, ICU)4% after deductible
Physician visits to emergency room4% after deductible
Outpatient surgery4% after deductible
Outpatient tests, lab and X-ray4% after deductible
Ancillary services4% after deductible
Organ transplants4% after deductible
Other Medical ServicesEmergency room$100 co-pay (waived if admitted within 24 hours for same condition)
Urgent care$65 co-pay (waived if admitted within 24 hours for same condition)
Home health care and hospice services$0
Skilled nursing facility (up to 100 days per plan year)4% after deductible
Ambulance services4% after deductible
Durable medical equipment4% after deductible
Physical, speech, hydrotherapy, occupational and acupuncture therapy (limited to 45 visits per plan year, combined)4% after deductible
Mental Health and Substance AbuseInpatient mental health or substance abuse4% after deductible
Outpatient mental health or substance abuse4% after deductible

Making changes

Within 30 days of your 65th birthday

You're 65 years young! You can sign up for Medicare Advantage depending on your eligibility. Enroll in Medicare Advantage with this form.

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 this form.

Medicare Open Enrollment

Medicare Open Enrollment happens every year in the Oct/Nov/Dec so that you can make changes. You'll receive a letter with any updates to the plan.