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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.


This plan automatically includes prescription benefit coverage. As a result, you should not apply for a separate Medicare Part D plan.

Provider network UnitedHealthcare

Medicare Advantage plan members have access to any UnitedHealthcare provider.

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) $186 $167 $19
Retiree + spouse (eligible for credit) $372 $167 $205
Retiree or spouse (not eligible for credit) $186 $0 $186
Surviving spouse (eligible for credit) $186 $83 $102
Retiree + spouse (not eligible for credit) $372 $0 $372

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 $65 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.


Please use the Retiree Benefits Enrollment form and return to Scovell 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 Scovell Hall.