Health insurance and benefits

Health plan options for employees

We offer employees six plan designs with different options to offer you flexibility in terms of where you live and your provider network.

All employees with an assignment of 0.20 FTE or greater can enroll in a health insurance plan — costs are automatically deducted from your paycheck.

Retirees, before you turn 65, you have the same health insurance options as employees. Once you enroll in Medicare through the government at age 65, you’re eligible for our UK health insurance which supplements Medicare. It's called Medicare Advantage.

Saver

High-deductible health insurance with a health savings account

HMO

No-deductible health insurance for Central Kentuckians who use UK HealthCare

PPO

Low-deductible health insurance with more provider options

RHP

No-deductible health insurance for Kentuckians who live in outlying counties

EPO

No-deductible health insurance with more provider options

Indemnity

For people who live more than 120 days in rural areas or abroad

All six plan options include

1

ANNUAL PREVENTIVE VISIT

100%

COVERED BY INSURANCE

$0

YOUR COST AT TIME OF SERVICE

Access to a primary care doctor, specialists and emergency care. Costs and savings vary by plan.

Additional benefits and options for care

Consult with a pharmacist

Talk to an advocate who will help ensure you get the lowest cost and uninterrupted prescriptions.

Currently $0 co-pay Mental telehealth from LiveHealth

Conduct a video visit with a professional for therapy and medication prescriptions.

Options for receiving care

No matter which health insurance plan you choose, you’ll always pay less when you choose to see a UK HealthCare provider.

Prescriptions

If you have a UK health insurance plan, you are automatically enrolled in prescription coverage

Flexible spending accounts (FSA)

Set aside money tax free to pay for planned health, child and dependent care expenses.

Additional benefits

See a comprehensive list of other benefits available for employees with a UK health insurance plan.

News

April 03, 2023

Routine vaccines for UK-HMO members

Effective July 1, 2023, UK-HMO Members can now receive many routine and commonly requested vaccines for a $0 co-pay* at your local, in-network pharmacies Effective July 1, 2023, if you are a UK-HMO member, you can receive the vaccines listed below, through the following channels:

December 21, 2022

Change to our pharmacy network

Kroger has announced it will withdraw from the national network of Express Scripts, which manages our pharmacy benefit through our health insurance plans. This was a national decision by Kroger that takes effect January 1. You can view the full list of Express Scripts in-network pharmacies here.

October 27, 2022

FSA debit cards now usable at all UK Retail Pharmacies

We have great news for employees with a health care flexible spending account or health savings account! You can now use the debit card that comes with your FSA or HSA at all UK Retail Pharmacies and UK Retail Pharmacy Mail Order. For quick reference, to request a prescription refill and for UKHC Pharmacy locations go to UK Retail Pharmacies. You can also reach any of the retail pharmacy locations by calling 833-333-UKRx (8579).