The UK Medicare Carveout Classic plan for retirees age 65 and over automatically includes prescription benefit coverage. As a result, you do not need to apply for a separate Medicare Part D plan.
The University of Kentucky offers the UK Medicare Carveout Classic plan for retirees age 65 and over. If you are currently on this plan, no action is required on your part during the regular UK Open Enrollment period. As you may know, the UK Medicare Carveout Classic plan features a different “plan year” from other UK benefit plans. The UK Medicare Carveout Classic plan year begins on January 1 and ends on December 31. You will be mailed any changes and information for the UK Medicare Carveout Classic plan in November 2017.
You must present your regular Medicare card and your UK Medicare Carveout Classic card for health coverage. For Medicare Parts A and B, you receive a card when you become eligible for Medicare. You will not be issued a new card each year.
| Coverage Level | Monthly cost* | UK credit | Employee pays |
|---|---|---|---|
| Retireee only (eligible for credit) | $317 | $285 | $32 |
| Retiree + spouse (eligible for credit) | $634 | $285 | $349 |
| Retiree spouse (not eligible for credit) | $317 | $0 | $317 |
| Surviving spouse (eligible for credit) | $317 | $143 | $174 |
| Retiree + spouse (not eligible for credit) | $634 | $0 | $634 |
| 2017-2018 | UK Medicare Carevout Major Plan Benefits | Benefits for Covered Services Provided at Participating Providers |
|---|---|---|
| Lifetime Maximum Benefit | Unlimited | Unlimited |
| Out-of-Pocket Amount | Annual deductible | $250/member; $500/family |
| Medical out-of-pocket maximum | $2,750/member; $5,500/family | |
| Prescription out-of-pocket maximum | $3,850/member; $7,700/family | |
| Preventive Care | Office visits (excludes diagnostic lab and X-ray) | 100% after $15 co-pay per primary care visit or $40 co-pay per specialist visit |
| Lab tests and X-rays | 100% after office visit co-pay | |
| Allergy injections | 100% after $10 co-pay per visit | |
|
Inpatient services Outpatient surgery and diagnostic tests |
90% after deductible | |
| Physician visits to emergency room | 80% | |
| Hospital Services |
Inpatient care (semi-private room and board, nursing care, ICU) Outpatient surgery Outpatient nonsurgical care Outpatient tests, lab and X-ray Ancillary services Organ transplants |
90% after deductible |
| Emergency room | 80% after $100 co-pay per visit (waived if admitted) | |
| Urgent treatment center | N/A | |
| Other Medical Services | Skilled nursing facility (up to 100 days/plan year) | 80% after deductible |
| Home health care (up to 100 visits/plan year) and hospice services | 80% after deductible | |
| Durable medical equipment | 80% after deductible | |
| Ambulance | 80% after deductible | |
| Chiropractic care*, physical, speech, music, hydrotherapy, occupational and acupuncture therapy (limited to 45 visits per plan year, combined) *Maximum 20 visits for chiropractic care | 100% after $20 co-pay/visit | |
| Mental Health and Substance Abuse | Inpatient | 90% after deductible |
| Outpatient | 100% after $40 co-pay/visit |