Health plan RHP
No-deductible health insurance for Kentuckians who live in outlying counties
This plan offers high-quality care for those who live outside Central Kentucky. Members who live in outlying counties can choose physicians from the Anthem network and benefit from the same coverage as the HMO plan.
That means no deductibles and no co-payments for preventative care. Members of the RHP plan incur slightly higher monthly premiums (ie. $4 more per month for employee only).
Plan members may visit any Anthem provider in the 110-county RHP network or UK HealthCare for primary care and specialist office visits and procedures performed in the office.
Surgeries and other certain specialty procedures must be performed in the plan member's designated facility network.
Employee monthly rates
|Coverage||Cost *||UK pays||You pay|
|Employee + children||$885||$719||$166|
|Employee + spouse||$1,185||$885||$300|
* 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.
|RHP health plan||Maximums||UK HealthCare and Anthem|
|Lifetime Maximum Benefit||Unlimited|
|Out-of-Pocket Amount||Annual 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
|RHP health plan||Service||UK HealthCare and Anthem|
|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-pay per visit|
|Specialist office visits (excludes certain diagnostic lab and X-ray)||$30 co-pay per visit|
|Lab tests, X-rays and diagnostic tests||$0|
|Allergy injections||$10 co-pay|
|Outpatient surgery and diagnostics||$0|
|Physician visits to emergency room||$0|
|Hospital Services||Inpatient care (semi-private room and board, nursing care, ICU)||$200 co-payment per admission|
|Hospital observation stay||$100 co-payment|
|Outpatient nonsurgical care||$0|
|Outpatient tests, lab, X-ray and other diagnostic tests||$0|
|Outpatient surgery||$75 co-payment|
|Outpatient diagnostic testing (high costs - MRI, MRA, CT and PET scans)||$75 co-payment|
|Emergent/Urgent Services||Emergency room||$100 co-payment (waived if admitted)|
|Urgent treatment center||$25 co-payment|
|UK Children's Twilight Clinic||$15 co-payment|
|Other Medical Services||Skilled 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 aids||20% 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 Abuse||Inpatient mental health or substance abuse||$200 co-pay per admission|
Welcome to UK! You can sign up for benefits depending on your FTE. Enroll in your benefits quickly in myUK.
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.
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.