Medicare Advantage plan members have access to any UnitedHealthcare provider.
Medicare Advantage
Health plan for retirees 65+
For retirees 65 and older
This plan offers complete freedom to receive services from any provider who accepts Medicare.
This plan, administered by UnitedHealthcare, features a different "plan year" from other UK health insurance plans. Your Medicare Advantage plan begins on January 1 and ends on December 31.
Turning 65 soon?
If you are currently enrolled in other UK health insurance plans, you should enroll for Medicare Part B and this plan at least 30 days prior to your 65th birthday. We recommend enrolling two to three months before your 65th birthday.
Medicare Advantage coverage will automatically renew each year. To get a copy of the enrollment form for this plan, call (859) 257-9519, option 3.
Prescriptions
This plan automatically includes prescription benefit coverage. As a result, you should not apply for a separate Medicare Part D plan.
ID Cards
You should only present your UK Medicare Advantage card for health coverage. For Medicare Parts A and B, you receive a card when you become eligible for Medicare. You will not receive a new card each year.
Coverage highlights
| Medicare Advantage health plan | Maximums | United Healthcare |
|---|---|---|
| Lifetime Maximum Benefit | Unlimited | |
| Out-of-Pocket Amount | Annual deductible | $185 per member |
| Medical out-of-pocket maximum | $3,000 per member, $6,000 per family | |
| Prescription out-of-pocket maximum | N/A |
Retiree monthly rates
| Coverage | Cost | UK pays | Retiree pays |
|---|---|---|---|
| Retiree only (eligible for credit) | $200 | $180 | $20 |
| Retiree + spouse (eligible for credit) | $400 | $180 | $220 |
| Retiree or spouse (not eligible for credit) | $200 | $0 | $200 |
| Surviving spouse (eligible for credit) | $200 | $90 | $110 |
| Retiree + spouse (not eligible for credit) | $400 | $0 | $400 |
Costs for common services
| Medicare Advantage health plan | Service | United Healthcare |
|---|---|---|
| Preventive Care | Routine mammogram and Pap smears, PSA screening, colonoscopy and sigmoidoscopy | $0 |
| Routine child care and immunizations (through age 18) | $0 | |
| Routine adult physical exam (19 years and above, one per plan year) | $0 | |
| Physician Services | Routine outpatient laboratory tests and X-rays | 4% after deductible |
| Office visits (excludes certain diagnostic lab tests and X-ray) | 4% after deductible | |
| Lab tests and X-rays | 4% after deductible | |
| Allergy injections | 4% after deductible | |
| Inpatient services | 4% after deductible | |
| Outpatient surgery and diagnostic tests | 4% after deductible | |
| Hospital Services | Inpatient care (semi-private room and board, nursing care, ICU) | 4% after deductible |
| Physician visits to emergency room | 4% after deductible | |
| Outpatient surgery | 4% after deductible | |
| Outpatient tests, lab and X-ray | 4% after deductible | |
| Ancillary services | 4% after deductible | |
| Organ transplants | 4% after deductible | |
| Other Medical Services | Emergency room | $100 co-pay (waived if admitted within 24 hours for same condition) |
| Urgent care | $45 co-pay (waived if admitted within 24 hours for same condition) | |
| Home health care and hospice services | $0 | |
| Skilled nursing facility (up to 100 days per plan year) | 4% after deductible | |
| Ambulance services | 4% after deductible | |
| Durable medical equipment | 4% after deductible | |
| Physical, speech, hydrotherapy, occupational and acupuncture therapy (limited to 45 visits per plan year, combined) | 4% after deductible | |
| Mental Health and Substance Abuse | Inpatient mental health or substance abuse | 4% after deductible |
| Outpatient mental health or substance abuse | 4% after deductible |
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.
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 Mandrell Hall.