Consider if: You live outside Central Kentucky but don’t need care outside the state.
Health insurance 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 preventive care. Members of the RHP plan incur slightly higher monthly premiums.
Available in all Kentucky counties except Anderson, Bourbon, Clark, Fayette, Franklin, Jessamine, Madison, Mercer, Scott, and Woodford
Employee health insurance
Service coverage and costs
All employee health insurance plans provide one annual preventive care visit with your primary care provider at $0 co-pay within specified networks.
For other common visits, this is what you’ll pay with UK-RHP.
$10
Primary care co-pay
$30
specialist co-pay
$25
urgent care co-pay
Coverage highlights
| 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 | $4,000/member; $8,000/family | |
| Prescription out-of-pocket maximum | $5,000/member; $10,000/family |
Employee monthly rates
| Coverage level | Total monthly cost* | UK pays | You pay |
|---|---|---|---|
| Employee only | $691 | $614 | $77 |
| Employee + children | $1,032 | $823 | $209 |
| Employee + spouse | $1,374 | $1,015 | $359 |
| Employee + family | $1,719 | $1,203 | $516 |
| Coverage level | Total monthly cost* | UK pays | You pay |
|---|---|---|---|
| Employee only | $848 | $736 | $112 |
| Employee + children | $1,265 | $986 | $279 |
| Employee + spouse | $1,669 | $1,216 | $453 |
| Employee + family | $2,093 | $1,442 | $651 |
* 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 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 | |
| Inpatient services | $0 | |
| 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 | |
| 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 Services | Emergency room | $100 co-payment plus 20% co-insurance (waived if admitted) |
| Urgent treatment center | $25 co-payment | |
| UK Children's Twilight Clinic | $15 co-payment | |
| Ambulance | $75 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 |
PROVIDER NETWORKS UK HealthCare and Anthem
RHP plan members must live in the 110 outlying counties of Kentucky.
Eligibility and enrollment
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 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.
How to change your benefits
Signing up as a new employee or making changes during Benefits Open Enrollment can be done in myUK, or with paper forms.
Making changes at other times of the year due to a qualifying event are completed using our Benefits Enrollment Form.
Paper forms can be emailed, faxed or brought to Scovell Hall.