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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.

Indemnity Plan Booklet PDF
Summary of coverage and benefits PDF

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 The UK Indemnity plan.

Primary care co-pay
specialist co-pay
urgent care co-pay

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 $5,000/member; $10,000/family

Employee monthly rates

2023-2024 PPO & INDEMNITY
Coverage level Total monthly cost* UK pays You pay
Employee only $663 $614 $49
Employee + children $995 $823 $172
Employee + spouse $1,316 $1,015 $301
Employee + family $1,635 $1,203 $432

* 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

See the plan booklet PDF for full details
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

Eligibility and enrollment

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 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.

Step-by-step tutorial

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.