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CAREERS

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

Beginning July 1, 2025, these plans will no longer be available:

RHP
EPO

In rare circumstances – if you spend more than 120 days out of the country, for example – you may need to choose our Indemnity plan.

Employee monthly rates

2024-2025 PPO
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
2025-2026 PPO
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.

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
  Advanced imaging $75 co-pay 30% co-insurance
  Routine diagnostic labs 10% co-insurance 30% co-insurance
  Diagnostic radiology/labs 10% co-insurance 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

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.

Retirees

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.

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 Bosworth Hall.

News

April 16, 2024

Annual period for employees to convert temporary disability leave to vacation leave now available through April 30

The annual period for University of Kentucky employees to convert their temporary disability leave (TDL) to additional vacation leave (VL) is now available through April 30.   Employees may request conversion of TDL hours to additional vacation leave through Employee Self Service in myUK. Employees should log into myUK, access Employee Self Service and select Working Time and Leave Requests.    

January 16, 2024

UK Retail Pharmacies launches prescription delivery service to campus buildings

The Apothecary, a UK Retail Pharmacy, has launched a new program to deliver prescriptions to offices on UK’s campus. The new service aims to provide a convenient and accessible way for employees to get their medications — without having to leave their office.  

April 25, 2023

Hinge Health helps UK employee Bernie McGee keep moving

Bernie McGee knew she needed help with lower back pain as well as mobility after knee replacement surgery.   Turns out, Hinge Health was just what the doctor ordered.   

April 24, 2023

Update to coverage of some emergency room visits

Our HMO, RHP and EPO plans will have one change to how some emergency room visits are covered. The change does not apply to an emergency room visit which results in a hospital admission.