Health insurance
Indemnity
For people who live more than 120 days per year in rural areas or abroad
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.
$10
Primary care co-pay
$30
specialist co-pay
$25
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 | $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 | $663 | $614 | $49 |
| Employee + children | $995 | $823 | $172 |
| Employee + spouse | $1,316 | $1,015 | $301 |
| Employee + family | $1,635 | $1,203 | $432 |
| Coverage level | Total monthly cost* | UK pays | You pay |
|---|---|---|---|
| Employee only | $810 | $736 | $74 |
| Employee + children | $1,208 | $986 | $222 |
| Employee + spouse | $1,592 | $1,216 | $376 |
| Employee + family | $1,974 | $1,442 | $532 |
* 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
| 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 |
PROVIDER NETWORK
Any provider