The Kentucky Employees' Health Plan (KEHP) offers four health insurance plan options. The new plan option for 2025 is the LivingWell HDHP, which is a high-deductible health plan. Review the details below to see which plan option is best for you and your family. There are more plan specifics in this guide and in the Medical Benefit Booklet for each plan.
Do you want to pay lower premiums and receive money in an HRA to help reduce your deductible? The LivingWell CDHP may be the plan for you.
It's the best value of the plans offered by KEHP.
It is recommended for those who have a little or a lot of healthcare expenses.
All covered services, except for certain items like preventive care and a few specific prescriptions, are subject to the deductible.
Once you meet the deductible, the plan will pay 80% of covered expenses and you will pay a 20% co-insurance.
Both your medical and pharmacy expenses apply to the deductible and the maximum out-of-pocket.
Once your maximum out-of-pocket is met, your covered medical and pharmacy claims will be paid at 100%.
You will receive HRA funds through a HealthEquity debit VISA Healthcare Card.
The card is pre-funded with $500 if you have single coverage, or $1,000 if you have couple, parent-plus, or family coverage levels.
Use the HRA funds to help pay for your co-insurance, which reduces your deductible.
Use this card at your doctor's office, hospital, or pharmacy. Simply swipe the card to help pay for your eligible expenses, which will be deducted from your card balance.
You can also use this card to pay for eligible vision and dental expenses. These expenses do not reduce your deductible.
Your HRA funds may roll over to a subsequent year, up to a maximum of $7,500.
Are you willing to pay more in premiums to limit your out-of-pocket costs to a co-payment for certain services? The LivingWell PPO may be the plan for you.
Co-pays apply to doctor's office visits, allergy serum, allergy shots, urgent care centers, and non-specialty prescriptions.
An emergency room co-pay, plus your deductible and then co-insurance, will apply when you use an emergency room.
Your co-pays will not apply to your deductible.
Your co-pays will apply to your maximum out-of-pocket. Once your out-of-pocket is met, no other co-pays apply.
Most expenses are subject to the deductible and then covered at 75%.
This plan has two maximum out-of-pocket amounts — one for medical expenses and the other for prescription expenses. They accumulate separately, which means you may pay more out of your pocket depending on your expenses.
How about more basic health insurance coverage and lower premiums, and an HRA to help reduce your deductible? LivingWell Basic CDHP is just that.
This is basic coverage for a lower premium.
You will pay 30% for covered services after you meet your deductible.
Both your medical and pharmacy expenses apply to the maximum out-of-pocket.
Once your maximum out-of-pocket is met, your covered medical and pharmacy claims will be paid at 100%.
You will receive HRA funds through a HealthEquity debit VISA Healthcare Card.
The card is pre-funded with $250 if you have single coverage, or $500 if you have couple, parent-plus, or family coverage levels.
Use the HRA to help pay for your co-insurance, which reduces your deductible.
Use this card at your doctor's office, hospital, or pharmacy. Simply swipe the card to help pay for your eligible expenses, which will be deducted from your card balance.
You can also use this card to pay for eligible vision and dental expenses. These expenses do not reduce your deductible.
Your HRA funds may roll over to a subsequent year, up to a maximum of $7,500.