Health insurance
Saver
High-deductible health insurance with a health savings account
Consider if: You’re able to pay your health care expenses – including prescriptions – out of pocket before you meet your deductible. Or, consider if you are looking for a way to save for medical expenses later in life, such as retirement, using tax-free money.
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.
Your deductible is lower if you see UK HealthCare providers. And you can keep your out-of-pocket prescription costs lower by using UK HealthCare Retail Pharmacies.
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.
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 | $1,600 single; $3,200 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
If you are eligible for the UK Healthcare Credit, 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.
Currently, you can contribute up to an additional $3,150 per year on the employee only plan and $6,300 per year on plans that include family members.
If you are age 55 or older, you can contribute an additional $1,000 per year.
Your health savings account can be used toward these expenses and more
The full list of eligible expenses is available from Anthem, but these are examples of common eligible purchases.
- Acupuncture
- Birth control pills
- Chiropractic care
- Contact lenses and related materials
- Crutches
- Fertility treatment
- Laser eye surgery
- Over-the-counter (OTC) health items
- Dental care including cleanings, fillings and crowns
- Eyeglasses
- Prescription sunglasses
- Hearing aids
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
| 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 |
| Coverage level | Total monthly cost* | UK pays | You pay |
|---|---|---|---|
| Employee only | $776 | $736 | $40 |
| Employee + children | $1,145 | $986 | $159 |
| Employee + spouse | $1,511 | $1,216 | $295 |
| Employee + family | $1,874 | $1,442 | $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
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 |
|---|---|---|---|---|
| Preventive 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.