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Human Resources

Health insurance Saver High-deductible health insurance with a health savings account

Eligibility and enrollment

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This plan offers a health savings account (HSA), and the funds that accumulate never expire. Members of this plan pay for all costs out of pocket, except for preventive care, until a high deductible is met.

To help cover your costs before you meet your deductible, UK will deposit money into your HSA two times per year. You can also contribute additional funds to your HSA.

Once you meet your deductible, you’ll pay a percentage of the cost. And if you meet your out-of-pocket maximum for the year, then 100% of services are covered.

SAVER Plan Booklet PDF
Summary of coverage and benefits PDF

Employee health insurance

HMO
PPO
RHP
EPO
SAVER

Coverage highlights

All employee health insurance plans provide one annual preventive care visit with your primary care provider at $0 co-pay within specified networks. 

Deductibles and out-of-pocket maximums vary based on who you see for care.

You can meet your deductible or an out-of-pocket maximum on your own or in combination with any covered spouse, child or family member.

Just like our other plans, you save more with UK HealthCare. Deductibles are lower if you choose UK HealthCare for services.

Saver health plan Maximums UK HealthCare Anthem Out-of-network
Lifetime Maximum Benefit   Unlimited Unlimited Unlimited
Out-of-Pocket Amount Annual deductible $1,500 single; $3,000 family $3,500 single; $7,000 family $7,500 single; $15,000 family
  Combined medical and prescription out-of-pocket maximum $3,000 single; $6,000 family $7,000 single; $14,000 family No maximum

UK contributes to your health savings account twice a year

To help cover your costs before you meet your deductible, UK will deposit money into a health savings account.
 

  Amount deposited in July and again in January Total amount for the year
Employee-only coverage $500 $1,000
Coverage that includes family members $1,000 $2,000

You can also deposit money into your HSA

In addition to UK’s contributions to the health savings account, you can also contribute. You can designate an amount to be deposited per each paycheck. You can change your contribution amount at any time, as long as you don't exceed the annual limit.

For 2023-2024, you can contribute up to an additional $2,850 per year on the employee only plan and $5,750 per year on plans that include family members.

Funds in your health savings account never expire. So, you can use them to cover health costs in future years with another plan, or even save them to use in retirement.

If you expect to have more health care costs than you can afford to pay from your health savings account or your personal funds, you should consider one of our other health insurance plans.

You cannot enroll in both the Saver plan and a health FSA. However, you can enroll in a dependent care FSA and a limited FSA for only dental and vision expenses.

Employee monthly rates

2023-2024 SAVER
Coverage level Total monthly cost* UK pays You pay
Employee only $652 $614 $38
Employee + children $973 $823 $150
Employee + spouse $1,293 $1,015 $278
Employee + family $1,611 $1,203 $408

* 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

You pay 100% of the cost until you meet your deductible, then you pay a percentage of the cost.

Saver health plan Service UK HealthCare Anthem Out-of-network
Preventative Care   $0 $0 40% after deductible
Physician services Primary care visit 10% after deductible 30% after deductible 40% after deductible
  Specialty care visit 10% after deductible 30% after deductible 40% after deductible
  Lab tests, X-rays, diagnostic tests 10% after deductible 30% after deductible 40% after deductible
  High-end diagnostics 10% after deductible 30% after deductible 40% after deductible
  Allergy shots 10% after deductible 30% after deductible 40% after deductible
Hospital services Inpatient hospital stay 10% after deductible 30% after deductible 40% after deductible
  Outpatient surgery 10% after deductible 30% after deductible 40% after deductible
Emergent/Urgent Services Urgent treatment center visit 10% after deductible 30% after deductible 40% after deductible
  Emergency room visit 30% after deductible 30% after deductible 30% after deductible
Other Medical Services Physical therapy 10% after deductible 30% after deductible 40% after deductible

PROVIDER NETWORKS UK HealthCare and Anthem

Saver plan members have access to any UK HealthCare provider or in-network Anthem providers.

Find a UK HealthCare doctor
Find an Anthem doctor
UK-Saver Plan Administrator

Not an employee?

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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 Scovell Hall. Retirees over 65 may not be enrolled in the Saver plan and have Medicare Part A.

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.

HUMAN RESOURCES

Contact Us

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Scovell Hall
115 Huguelet Drive
Lexington, KY 40506
Phone: (859) 257-9555
Fax: (859) 323-8512
humanresources@email.uky.edu

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