Health plan options
Beginning July 1, 2025, these plans will no longer be available:
In rare circumstances – if you spend more than 120 days out of the country, for example – you may need to choose our Indemnity plan.
Health Insurance
PPO
Low-deductible health insurance with more provider options
Key benefits: Lower out-of-pocket costs such as deductibles, co-pays and co-insurance; flexibility to see any provider in Anthem’s nationwide network
Considerations: Higher monthly premiums in exchange for lower costs when you receive care and greater network flexibility
UK’s PPO plan offers greater flexibility to choose providers from UK HealthCare or Anthem’s nationwide network. UK HealthCare facilities and providers offer lower costs when you’re on the PPO plan.
The PPO plan also offers low out-of-pocket costs, including:
- Deductible (the amount you must pay before insurance begins covering a share of costs)
- Co-pays (a flat fee you pay when you receive a health care service)
- Co-insurance (a percentage of the cost you pay when you receive a health care service)
2025-26 deductibles and out-of-pocket maximums
| UK HealthCare | Anthem network | |
|---|---|---|
| Annual deductible | $200 employee-only, $400 family coverage | $1,000 employee-only, $2,000 family coverage |
| Medical out-of-pocket maximum | $3,000 employee-only, $6,000 family coverage | $4,000 employee-only, $8,000 family coverage |
| Prescription out-of-pocket maximum | $5,000 employee-only, $10,000 family coverage | $5,000 employee-only, $10,000 family coverage |
Currently, King's Daughters Medical Center in Ashland and St. Claire Regional Medical Center in Morehead are not part of the UK HealthCare network.
Employee monthly rates
| 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 |
| Coverage level | Total monthly cost* | UK pays | You pay |
|---|---|---|---|
| Employee only | $843 | $744 | $99 |
| Employee + children | $1,304 | $1,067 | $237 |
| Employee + spouse | $1,942 | $1,466 | $476 |
| Employee + family | $2,429 | $1,747 | $682 |
* 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.
If you and your spouse both work at UK and are eligible for UK's credit toward health insurance, and you have dependents to cover on your health insurance plan, you may enroll in Combined Credit coverage at the employee + family level. The monthly rate on the PPO plan is $336.
Please reach out to our HR Benefits team if you have questions about Combined Credit coverage.
2025-26 coverage for common services
| PPO plan | Service | Cost with UK HealthCare | Cost with Anthem network |
|---|---|---|---|
| Preventive care (Coverage under preventive care category depends on age, symptoms and diagnosis | Routine Pap smears, mammograms, PSA, screening colonoscopy, and sigmoidoscopy | $0 | $0 |
| Routine childcare and immunizations (through age 18) | $0 | $0 | |
| Routine adult physical exam (19 years and above, one per plan year) | $0 | $0 | |
| Physician services | Primary care office visits (excludes certain diagnostic lab and X-ray) | $15 co-pay | $30 co-pay |
| Specialist office visits (excludes certain diagnostic lab and X-ray) | $40 co-pay | $50 co-pay | |
| Imaging (CT/PET scans, MRIs) | $75 per visit then no charge | 30% co-insurance | |
| Diagnostic tests (X-ray, blood work) | No charge up to $250 per occurrence Deductible does not apply, then $75 co-pay, then covered in full |
No charge up to $250 per occurrence, then 30% co-insurance | |
| Allergy injections | $10 co-pay | $10 co-pay | |
| Hospital services | Inpatient care | $300 co-pay | $1,000 co-pay |
| Outpatient surgery | $100 co-pay | $500 co-pay | |
| Emergency/urgent services | Emergency room visit | 30% co-insurance | 30% co-insurance |
| Urgent treatment center | $40 co-pay | $50 co-pay | |
| Ambulance | 30% co-insurance | 30% co-insurance | |
| Other medical services | Skilled nursing facility | N/A | 30% co-insurance |
| Home health care | N/A | 30% co-insurance | |
| Durable medical equipment | 10 % co-insurance | 30% co-insurance | |
| Hospice | 10% co-insurance | 30% co-insurance | |
| Outpatient therapies (PT, OT, ST) | $20 co-pay | $40 co-pay | |
| Mental health and substance abuse | Inpatient mental health or substance abuse | $300 co-pay | $1,000 co-pay |
UK HealthCare
PPO plan members have access to the expertise of UK HealthCare providers.
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 Bosworth 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 Bosworth Hall.