Health plan for retirees 65+ Medicare Advantage
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
|Coverage||Cost||UK pays||Retiree 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|
|Medicare Advantage health plan||Maximums||United Healthcare|
|Lifetime Maximum Benefit||Unlimited|
|Out-of-Pocket Amount||Annual deductible||$185 per member|
|Medical out-of-pocket maximum||$3,000 per member, $6,000 per family|
|Prescription out-of-pocket maximum||N/A|
Costs for common services
|Medicare Advantage health plan||Service||United Healthcare|
|Preventive Care||Routine 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 Services||Routine outpatient laboratory tests and X-rays||4% after deductible|
|Office visits (excludes certain diagnostic lab tests and X-ray)||4% after deductible|
|Lab tests and X-rays||4% after deductible|
|Allergy injections||4% after deductible|
|Inpatient services||4% after deductible|
|Outpatient surgery and diagnostic tests||4% after deductible|
|Hospital Services||Inpatient care (semi-private room and board, nursing care, ICU)||4% after deductible|
|Physician visits to emergency room||4% after deductible|
|Outpatient surgery||4% after deductible|
|Outpatient tests, lab and X-ray||4% after deductible|
|Ancillary services||4% after deductible|
|Organ transplants||4% after deductible|
|Other Medical Services||Emergency 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 services||4% after deductible|
|Durable medical equipment||4% after deductible|
|Physical, speech, hydrotherapy, occupational and acupuncture therapy (limited to 45 visits per plan year, combined)||4% after deductible|
|Mental Health and Substance Abuse||Inpatient mental health or substance abuse||4% after deductible|
|Outpatient mental health or substance abuse||4% after deductible|
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 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.