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LivingWell Promise for 2025: All planholders must take the Castlight Health Assessment. This Benefits Selection Guide is published annually, before Open Enrollment, to help you make benefit choices. This guide can be used throughout 2025 for new employees and when there is a qualifying event that permits a benefit change.

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This Benefits Selection Guide (BSG) is available to review when making benefit selections for you and your family. It is published annually, to help you make benefit choices during Open Enrollment. You can also use this guide to select benefits as a new employee or if you experience a qualifying event during the year. It is very important that you thoroughly read this guide, so you are aware of the many benefits that are available to you.

It's your choice to select the benefits that are best for you. Neither the Kentucky Employees' Health Plan (KEHP) nor your employer can make this decision for you. If you have questions, refer to the Contact Information on page 33 to find who can best answer your question.

There are four health plan options to choose from for 2025. The new plan is a High Deductible Health Plan (HDHP). More information about this new plan is on page 8.

There will be no employee increase in health insurance premium contributions for 2025.

There will be no changes to co-pays, co-insurance, deductibles, or maximum out-of-pocket amounts.

There will be no increase in dental or vision premiums in 2025.

There will be no changes to optional life insurance premiums in 2025.

During Open Enrollment you can add or increase optional life insurance for yourself or your spouse without a Statement of Health.

Although you can make changes to life insurance on your dependent children (under age 26) at any time during the year, Open Enrollment is a good time to evaluate your insurance needs and whether you need to add or increase life insurance on your dependents.

You can also enroll in life insurance if you are a new employee or if you have a life-changing event, such as gaining a new child, getting married, or getting divorced.

You must take action to take advantage of certain benefits available to you. Mandatory enrollment is required if you want:

You MUST enroll if:

You want to change your health insurance plan.

You want to add or drop dependents.

You want to change or elect a dental or vision plan.

You want to change or elect an optional life insurance plan for you or your dependents.

Although you may not be required to re-enroll, we encourage you to review your plan options and ensure that the plan you currently have still meets your needs.

You can choose to attend one of the five in-person benefit fairs below, or view pre-recorded webinars.

Scan the QR code to be directed to the Open Enrollment information site.

The LivingWell High Deductible Health Plan (HDHP) is the new Plan Option for 2025. This is a catastrophic-type of coverage. You may benefit from this Plan if you have a Health Savings Account (HSA) not from KEHP. Read more information under Health Insurance on page 8.

Specialty drugs are no longer required to be filled through CVS Specialty Pharmacy. Members can obtain specialty drugs at any in-network specialty pharmacy, including CVS Specialty Pharmacy. The same cost share (either a copay or deductible/coinsurance depending on plan option) will apply at either CVS or non-CVS Specialty pharmacies.

The PrudentRx program is no longer available to KEHP members due to recent changes to law. Members are encouraged to research and apply copay cards or drug cost assistance cards when they pick up covered drugs at the pharmacy.

New employees who fail to enroll in a health plan within 30 days of their hire date will be automatically enrolled in the Waiver without HRA.

The amount you can contribute to a Healthcare Flexible Spending Account will increase to $3,200 per year. The carryover maximum will increase to $640 per year from 2025 to 2026.

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.

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.

Do you want to pay lower premiums in exchange for higher out-of-pocket costs? The LivingWell HDHP may be the plan for you.

This is a catastrophic-type of health plan, with higher deductibles and lower premiums.

LivingWell Health Clinics

LiveHealth Online

UK Acupuncture

However, some of the above services may be available to you once your deductible for the plan year is met.

Plan Options LivingWell CDHP LivingWell PPO LivingWell Basic CDHP LivingWell HDHP

In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network

Lifetime Maximum Unlimited

HRA Single 500; Family 1,000 No HRA Single 250; Family 500 No HRA. Can use a non-KEHP HSA with this plan.

Annual Maximum Out-of-Pocket Applies to Medical and Pharmacy Applies to Medical Applies to Medical and Pharmacy Applies to Medical and Pharmacy

Annual Deductible Single 1,500 Family 2,750 Single 2,750 Family 5,250 Single 1,000 Family 1,750 Single 1,750 Family 3,250 Single 2,000 Family 3,750 Single 3,250 Family 6,250 Single 2,000*\nFamily 4,000* Single 4,000 Family 8,000

Single 3,000 Family 5,750 Single 5,750 Family 11,250 Single 3,000 Family 5,750 Single 5,750 Family 11,250 Single 4,000 Family 7,750 Single 7,750 Family 11,250 Single 8,050 Family 16,100 Single 16,100 Family 32,200

Deductibles and Maximum Out-of-Pocket for In-Network and Out-of-Network providers accumulate separately and do not cross-apply

Co-Insurance Plan: 80% Member: 20% Plan: 50% Member: 50% Plan: 75% Member: 25% Plan: 50% Member: 50% Plan: 70% Member: 30% Plan: 50% Member: 50% Plan: 70% Member: 30% Plan: 50% Member: 50%

Doctor's Office Visit Deductible, then 20% Deductible, then 50% Co-pay: 25 PCP 50 Specialist Deductible, then 50% Deductible, then 30% Deductible, then 50% Deductible, then 30% Deductible, then 50%

Annual Prescription Drug Maximum Out-of-Pocket Combined with Medical Single 2,500 Family 5,000 Single 5,000 Family 10,000 Combined with Medical Combined with Medical

30-Day Supply Tier 1 - Generic Tier 2 - Formulary Deductible, then 20% Deductible, then 50% 20 40 40 80 Deductible, then 30% Deductible, then 50% Deductible, then 30% Deductible, then 50%

90-Day Supply (Retail or Mail Order) Deductible, then 20% Not Covered 40 80 Not Covered Deductible, then 30% Not Covered Deductible, then 30% Not Covered

Covered Services

Well-baby, well-child visits, as recommended 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50%

Adult annual physical exam 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50%

Immunizations, as recommended 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50%

Screenings including Pap smears, and labs, as part of the preventive office visit 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50% 100% Deductible, then 50%

Primary Care and Specialist Office Visits Deductible, then 20% Deductible, then 50% Co-pay 25 PCP 50 Specialist Deductible, then 50% Deductible, then 30% Deductible, then 50% Deductible, then 30% Deductible, then 50%

Outpatient Services

LiveHealth Online telehealth for Medical and Behavioral Health 100% N/A 100% N/A 100% N/A N/A N/A

Telehealth with provider other than LiveHealth Online Deductible, then 20% Deductible, then 50% Co-pay 25 PCP 50 Specialist Deductible, then 50% Deductible, then 30% Deductible, then 50% Deductible, then 30% Deductible, then 50%

Preventive Care Office Visits

All health plan options have prescription drug coverage. CVS/Caremark manages the prescription benefits for KEHP, but you do not have to use a CVS pharmacy. Go to any in-network pharmacy that you choose and get a 30-day or 90-day supply of drugs! If you prefer to have your prescriptions delivered to your door, use the CVS/Caremark retail mail-order program.

Your drug coverage is limited to drugs on the Value Formulary. You can view both the condensed and detailed versions of the Value Formulary at kehp.ky.gov or caremark.com. Some drugs are subject to prior authorization. An appeals process is available for drugs not covered under the Value Formulary or for drugs prescribed by a physician where usage or dosage is contrary to FDA approval. For specific questions about your prescriptions, contact CVS/Caremark at 866-601-6934.

You may want to share the formulary listing with your primary care physician or other providers.

If you have the LivingWell CDHP, LivingWell Basic CDHP, or the LivingWell HDHP you only have to pay for the co-insurance amount for medications on the Preventive Therapy Drug Benefit list without having to first meet your deductible. This list includes medications you need on a regular basis to prevent conditions, such as high blood pressure or high cholesterol. You can see the Preventive Therapy Drug Benefit list at kehp.ky.gov.

You may benefit from the CVS Weight Management program. This program provides the customized nutrition planning and coaching support you need for lasting results.

The program will help you reach your weight loss goals through:

You can call 800-706-9317 to speak with a clinician to learn more.

CVS/Caremark has a Check Drug and Cost Coverage tool that is helpful in comparing the cost of drugs at nearby pharmacies. The lower the cost of the drug, the less you will pay in co-insurance (except for the LivingWell PPO plan, which offers a fixed co-pay for prescription drugs). Sign in at caremark.com, select Plan & Benefits, and choose Check Drug and Cost Coverage.

As costs of prescription drugs continue to rise, KEHP wants to help you by reducing what you have to pay! For several years, KEHP has offered Value Benefits, and we now know that you are being more compliant in taking your medications – because they cost you less! This is effective in improving your health, saving you money, and reducing plan costs. It's a win-win for all!

See the chart below for the cost that you will pay. The maximum you will pay for a 30-day supply of insulin is $30.

Most supplies and durable medical equipment related to diabetes, COPD, asthma, and hypertension are covered in full with NO DEDUCTIBLE.

NOTE: You MUST log in to KHRIS during open enrollment and re-enroll in the Waiver General Purpose Health Reimbursement Arrangement (HRA) to continue to receive the employer contribution of $2,100 and receive any carryover funds.

If you don't need health insurance, you may be eligible for the Waiver General Purpose HRA. The HRA covers medical, dental, and vision services that your health insurance plan doesn't cover, such as the deductible and other out-of-pocket costs.

You will be eligible for a Waiver General Purpose HRA only if you have other employer-sponsored health insurance. You can use this HRA for you and your dependents as long as you can attest that all persons covered under the Waiver General Purpose HRA have other employer-sponsored group health insurance coverage.

Your employer will contribute $175 per month, up to $2,100 per year, to your HealthEquity debit VISA Healthcare Card. It will be funded in two equal installments: $1,050 on January 1 and $1,050 on July 1.

You have a 90-day run-out period until March 31, 2026, to request reimbursement for eligible expenses that occurred between January 1, 2025, and December 31, 2025.

An employee who has individual health insurance coverage through the Marketplace.

An employee whose only other insurance is Medicare, TRICARE, Medicaid, Veterans' Benefits, or other government-sponsored health insurance.

An employee who is contributing, or whose spouse is contributing, to a Health Savings Account (HSA).

The HealthEquity debit VISA Healthcare Card can only be used for services rendered in 2025. You must file a Pay-Me-Back or Pay-My-Provider claim with HealthEquity for any services rendered in 2024.

The balance remaining in your Waiver Limited Purpose HRA (up to $2,100) at the end of 2025 will carry over to 2026, as long as you continue to waive your health insurance coverage and elect the Waiver Limited Purpose HRA.

If you have a Waiver Limited Purpose HRA in 2024 and wish to keep it, you do not have to make an election during open enrollment. If you do not wish to keep the Waiver Limited Purpose HRA in 2025, you must make a different election during open enrollment. The Waiver Limited Purpose HRA is available to those who have individual or government-sponsored health insurance, such as Medicare, Medicaid, or TRICARE, and don't need a health plan. This HRA only covers dental and vision expenses incurred by you and your dependents.

Your employer will contribute $175 per month, up to $2,100 per year, to your HealthEquity debit VISA Healthcare Card. It will be funded in two equal installments: $1,050 on January 1 and $1,050 on July 1.

You have a 90-day run-out period until March 31, 2026, to request reimbursement for eligible HRA expenses that occurred between January 1, 2025, and December 31, 2025.

The HealthEquity debit VISA Healthcare Card can only be used for services rendered in 2025. You must file a Pay-Me-Back or Pay-My-Provider claim with HealthEquity for any services rendered in 2024.

Consider enrolling in an FSA for 2025 and save on a variety of expenses by paying for them on a pre-tax basis. If you're not currently enrolled, you are paying more in taxes for out-of-pocket healthcare expenses.

A Healthcare FSA lets you put pre-tax money into an account to use for out-of-pocket expenses, such as deductibles, co-payments, and co-insurance for medical claims, as well as prescriptions and some over-the-counter medications and supplies. You can also use a Healthcare FSA to cover dental and vision costs.

The money you elect to contribute for the entire year is available to you on a pre-funded Healthcare VISA card on January 1.

For a full list of covered expenses, go to healthequity.com.

You can use the EZ Receipts app to submit reimbursement or to have HealthEquity pay your provider directly using the Pay-My-Provider option.

If you need a child or adult daycare to care for your loved ones while you work, then a Child and Adult Daycare FSA may be right for you. You know how expensive that care can be. But, with a Child and Adult Daycare FSA, you can save money on eligible childcare and adult daycare expenses by using pre-tax dollars.

You can arrange for convenient direct payments to your provider using the Pay-My-Provider option on the EZ Receipts app, or you can pay child and adult daycare expenses yourself and request reimbursement.

Contact your Insurance Coordinator for details.

You are required to complete the LivingWell Promise between January 1, 2025, and July 1, 2025, if you want a health insurance premium discount in 2026.

To complete the Promise, all you have to do is take the Castlight Health Assessment at mycastlight.com/mybenefits. The Health Assessment only takes about 10 minutes to complete and asks various health and lifestyle questions.

Note that you will not get credit for completing the Promise if you do it during Open Enrollment. The Promise must be completed between January 1, 2025, and July 1, 2025.

By completing the Promise, you earn up to a $480 premium discount ($40 a month) for plan year 2026.

If you have the cross-reference payment option, both spouses must fulfill the Promise.

Better care begins here! Whether you need cancer care, knee, hip, shoulder, spine, heart, weight loss surgery and more, you can receive most if not all care at no cost to you. Carrum works with the top cancer specialists and surgeons in the country - those who have better outcomes and outstanding bedside manner.

better care

no surprise bills

• dedicated support

Planholders and their covered dependents 18 and older are eligible for this benefit.

Ready to get started? Visit: carrum.me/kehp, or Call: 888-855-7806 Mon.-Fri. 9 a.m. to 8 p.m. ET

All full-time, active Commonwealth employees who are eligible to participate in the Kentucky Employees' Health Plan are allowed to use the LivingWell Health Clinics. Retirees, spouses, and dependents are not eligible to receive services at the clinics.

In-person visits and telehealth are included with this benefit. Some of the available services include:

Schedule a virtual visit through mypremisehealth.com or visit one of the four locations in Frankfort, and one clinic in Louisville.

300 Building 300 Sower Blvd Frankfort, KY 502-564-3444

Capitol Annex 702 Capitol Avenue Frankfort, KY 502-564-3333

CHFS 275 East Main Street Frankfort, KY 502-564-5555

Mayo-Underwood Building 500 Mero Street Frankfort, KY 502-564-4444

Premise Health Wellness Center - Brownsboro. Your LivingWell Health Clinic in Louisville. 10000 Brownsboro Road #7 Louisville, KY 40241 502-272-0330

Healthcare at home or on the go. Get fast, easy, virtual doctor visits whenever you need them. There is no additional cost to you through LiveHealth Online.

LiveHealth Online lets you have a video visit with a board-certified medical doctor, psychiatrist, or therapist from your computer with a camera, tablet, or smartphone.

Feeling under the weather? Have a health question? With LiveHealth Online, the doctor comes to you. In some cases, no appointments are needed. No traveling to a doctor's office and no sitting in the waiting room.

Call 888-548-3432 or 844-784-8409.

Telehealth is also a covered benefit with any network provider that offers telehealth. You will be responsible for any cost-share, including your deductible, co-payment, and co-insurance, if you use a telehealth service other than a LivingWell Health Clinic, or LiveHealth Online.

If you have an emergency or questions for a nurse, you can call 24/7. The NurseLine provides you with accurate health information anytime of the day or night. You will receive one-on-one counseling with experienced nurses via a convenient toll-free number, 877-636-3720. A staff of experienced nurses is trained to address common healthcare concerns such as medical triage, education, access to healthcare, diet, social and family dynamics, and mental health issues.

Call 888-581-8834 for more information about over-the-counter therapies. You can get prescription medications to help you with quitting tobacco as well! You need a prescription from your doctor and the medication needs to be on the preventive services list that you can find by visiting here.

To take the first step and get more information about the programs available, visit here or call 844-402-5347.

The American Lung Association has helped hundreds of thousands of people quit smoking through Freedom From Smoking. Available in small group clinics or online, Freedom From Smoking helps you develop a plan of action leading to a quit day and provides the support you need to remain smoke free. Based on current addiction and behavior change models, the program addresses the difficulties of quitting in a sensitive, supportive style and is backed by certified tobacco cessation counselors.

Support is available in person, by phone, or through online chat. Visit lung.org/ffs or call 800-LUNGUSA (800-586-4872).

This phone-based service provides one-on-one help from a trained tobacco cessation counselor. To learn more, call 800-Quit-Now (800-784-8669).

The Kentucky Employees' Health Plan, through its medical vendor, Anthem, has partnered with Lark to offer a diabetes prevention program at no extra cost to you. After a brief survey, if you are determined to be at risk for type 2 diabetes and enroll in the Lark program, you will receive:

Tips for managing everyday stress.

Receive a free smart scale upon enrollment and a free Fitbit after reaching certain milestones. See if you qualify at lark.com/anthem.

Diabetes Self-Management Education and Support (DSMES) is available to you if you have already been diagnosed with type 1 or type 2 diabetes by your health care provider. No deductible, no co-insurance, and no additional cost to you! DSMES is an educational program for diabetes self-care, as developed through evidence-based practices. DSMES can be taught in a group or an individual setting and can be offered in person or online. Services are typically provided by a registered dietitian or a certified diabetes educator.

The DSMES program format includes weekly classes that focus on learning to eat healthier, being physically active, monitoring blood sugar levels, coping with the emotional side of diabetes, problem solving, reducing the risk for other health problems, and many other related topics.

Ask your physician about how to find a DSMES provider near you or search the Diabetes Prevention and Control Program at the Cabinet for Health and Family Services website (chfs.ky.gov).

Your maternity program Building Healthy Families provides assistance beyond pregnancy and postpartum.

Building Healthy Families makes it easier to find personalized, on-demand health support for your growing family. As you prepare for a new baby, navigate postpartum, and raise your family, you'll have the resources you need to help you thrive.

With 24/7 access through the SydneySM Health mobile app and anthem.com, you can take advantage of program resources anytime, at no extra cost to you. Benefits include:

A nurse will be available by phone throughout your pregnancy and postpartum. Enroll today:

Receive lactation support through LiveHealth Online. You'll have a live health visit with a lactation consultant or registered dietitian for personalized postpartum nutrition and lactation support. Contact LiveHealth Online for lactation and nutrition support at 888-548-3432.

Hinge Health is a virtual exercise therapy program designed to address back, knee, hip, neck, or shoulder pain. It's convenient and fits your schedule — it can be done anywhere, at any time.

The Hinge Health program is available at no additional cost to you or your eligible dependents who are 18 or older, and enrolled in a KEHP medical plan. Visit HingeHealth.com/KEHP or call 855-902-2777 for more information.

Visit hingehealth.com/kehp.

UK Healthcare Integrative Medicine and KEHP are piloting an acupuncture program at no cost to KEHP members! Services must be provided at UK for acupuncture to be covered. Members can receive up to a maximum of 20 visits in 2025, based on the member's treatment plan. No physician referral is required.

Just call UK Healthcare Integrative Medicine at 859-323-HEAL (4325).

RethinkCare provides parents and caregivers with the resources and guidance they need to raise their kids. Whether you're looking to solve a particular parenting challenge, or you just want tips and ideas, RethinkCare can help with 24/7/365 support tailored to your family's unique needs. This program is suitable for all families caring for children and provides specialized support for those raising children with learning, social or behavioral challenges or developmental disabilities.

families caring for children and provides specialized support for those raising children with learning, social or behavioral challenges or developmental disabilities.

Get confidential, one-on-one virtual consultations with a dedicated Parenting Expert, available to answer your questions, brainstorm solutions and help find additional resources for you and your child. Learn helpful tips, coping skills, and parenting techniques for a wide variety of challenges that cover all ages and stages of your child's development. Go deeper and take on-demand training courses to help you address your child's behavior, social and emotional growth, attention and focus, academics and much more.

The program has no age restriction, requires no diagnosis, and is completely confidential. Get started anytime. Visit connect.rethinkcare.com/sponsor/kehp and use enrollment code "KEHP". Email support@rethinkcare.com for assistance in signing up or if you have questions.

Get fast, easy, virtual psychiatrist and therapist visits whenever you need them. LiveHealth Online lets you have a video visit with a board-certified psychiatrist or therapist from your computer with a camera, tablet, or smartphone.

Built on the proven principles of cognitive behavioral therapy (CBT), Anthem provides digital tools that are available anywhere, anytime. These tools can help you identify thoughts and behavior patterns that affect your emotional well-being – and work through them. You’ll learn effective ways to manage stress, depression, anxiety, substance use, and sleep issues.

Personalized, one-on-one coaching: Team up with an experienced coach who can provide support and encouragement by email, text, or phone.

Build a support team: Add friends or family members as teammates. They can help you stay motivated and accountable while you work through programs.

Practice mindfulness on the go: Receive weekly text messages filled with positivity, tips, and exercises to improve your mood.

Live and on-demand webinars: Learn how to improve mental well-being with useful tips and advice from experts.

Take an assessment to find the program that's right for you. To access our Emotional Well-being Resources, log in to anthem.com or the Sydney Health app, go to My Health Dashboard, choose Programs, and select Emotional Well-being Resources.

From there, you will be transferred to the Learn to Live website, where you can register with an email address and password.

If you or someone you know is a KEHP member with a substance use concern, call 855-873-4931. A staff member will connect you with a clinical expert trained in substance use disorder treatment. You can talk with these experts confidentially about:

Treatment options.

EARN CASH by shopping around for your healthcare. Save money on medical care depending on where you go. Prices are not the same across in-network providers for medical tests and procedures and costs can vary from hundreds to thousands of dollars — all based on where you go for the service.

SmartShopper earns you cash incentives (from $25 to $850) for getting care at lower-cost locations for MRIs, surgeries, colonoscopies, and more! And now, there are even more locations available for you to save money. SmartShopper has done all of the legwork for you. All you have to do is shop online or call a Personal Assistant for guidance and scheduling assistance. Call 855-869-2133 for details or go online at smartshopper.com for more information about earning cash and using this program.

You can earn up to $480 in premium discounts when you complete the LivingWell Promise by July 1. All you have to do is complete a Health Assessment to complete the Promise. You can also earn up to $200 and your spouse can earn up to $100 in LivingWell engagement rewards for activities like getting your annual preventive examination, getting other preventive examinations like a colonoscopy or a mammography, completing a dental screening, or participating in step challenges.

The LivingWell program makes it easier to enjoy the little moments that add up to greater health. Tools are available to help you find providers to complete your examinations or connect you to programs that will earn rewards!

Download the Castlight app to register in seconds or visit mycastlight.com/mybenefits.

Means your share of the cost for covered services that is a percentage of the Maximum Allowed Amount that you must pay. You pay the Co-insurance after you meet your Deductible.

Example: Your plan has a 20% Co-insurance on an office visit amount of $100. In this case, your Co-insurance Cost-Share of the Maximum Allowed Amount would be $20, after you have met your Deductible. The plan would then cover the remaining 80% of the Maximum Allowed Amount, or $80.

Means a fixed-dollar amount that is your share of the cost for certain Covered Services. Co-payments do not apply to the Deductible but do apply to the Maximum Out-of-Pocket. Only the LivingWell PPO plan utilizes Co-payments.

Means that portion of payment for Covered Services that is your responsibility. Depending on the plan you choose, Cost-Share includes your Deductible, Co-payments, and Co-insurance. Your Cost-Share may vary depending on whether you receive Covered Services from a Network or an Out-of-Network Provider.

Means medically necessary medical care and prescription drugs that are covered under your health plan. Please see the Medical Benefit Booklet and Summary Plan Description for your plan, for more information.

Means the amount you must pay for Covered Services before your plan will begin to pay. After you have met your plan's Deductible, you will only be responsible for your Co-insurance and any applicable Co-payment. Some Covered Services, such as preventive care, will be covered by your plan at 100%, without regard to the Deductible.

Means a list of prescription drugs covered by a plan offering prescription drug benefits.

Means the maximum dollar amount that the plan will pay for Covered Services provided by a Network or Out-of-Network Provider. The Maximum Allowed Amount may be established by a contract between Anthem or CVS Caremark with a Network Provider or by the plan's coverage rules as outlined in the Medical Benefit Booklets or the Summary Plan Descriptions.

Means the maximum amount that you will pay out of pocket for Covered Services under your plan during a given calendar year. When the Maximum Out-of-Pocket is reached, the plan will pay 100% of the Maximum Allowed Amount for Covered Services, and you are no longer responsible for any Cost-Share.

reached, the plan will pay 100% of the Maximum Allowed Amount for Covered Services, and you are no longer responsible for any Cost-Share.

Means the document that lists the Covered Services for each plan offered by the KEHP as well as the rights and responsibilities of members of the health plan, including but not limited to Deductibles, Co-insurance, Co-payments, preauthorization requirements, coverage exclusions, and claim denial appeal procedures.

Means a physician, health professional, hospital, pharmacy, or other individual, organization, and/or facility that has entered into a contract, either directly or indirectly, with Anthem or Caremark, to provide Covered Services through negotiated reimbursement arrangements.

Means a physician, health professional, hospital, pharmacy, or other health care provider that has not entered into a contract, either directly or indirectly, with Anthem or CVS Caremark, to provide Covered Services at the time such Covered Services are rendered.

Means a life event, such as marriage or birth of a child that, upon occurrence, will enable an employee to enroll in, change, or terminate health, life, dental, or vision insurance coverage outside the open enrollment period or the enrollment period for newly hired employees.

Means a questionnaire that documents the overall health of an employee or an employee's spouse who is seeking to increase their optional life insurance coverage limits. The Statement of Health, sometimes referred to as an Evidence of Insurability questionnaire, is a form provided by MetLife, and is used by MetLife to evaluate the life insurance application when you elect coverage at a time other than an applicable open enrollment or as a new hire.

Means the document that lists the prescription drugs covered under each plan offered by the KEHP as well as the rights and responsibilities of members of the health plan, including but not limited to Deductibles, Co-insurance, Co-payments, preauthorization requirements, coverage exclusions, and claim denial appeal procedures. A Summary Plan Description is also available for Health Flexible Spending Accounts, Child and Adult Daycare Flexible Spending Accounts, and Health Reimbursement Arrangements.

As a new full-time employee, you have 30 days from your date of hire to elect health, FSA, life, dental, and vision insurance.

If you fail to make a health insurance election within the 30 days, you will be enrolled in a Waiver without an HRA. You will also be enrolled in Basic Life Insurance coverage if your employer participates in the Commonwealth's life insurance program.

Dental and Vision coverage are not automatically assigned.

KEHP is a federally regulated, Section 125 Cafeteria Plan, which enables you to pay your health, dental, and vision insurance premiums and your Flexible Spending Account contributions with pre-tax dollars. Under Cafeteria Plan rules, there are only three times you can change or cancel your benefit elections during the plan year:

During the enrollment period when you first become eligible for benefits (see New Employee Deadlines);

A Qualifying Event is a life-changing event or a change in status such as: • Marriage

• Having or adopting a child

Divorce

Loss of other group health insurance

Court order requiring coverage

Spouse has a different Open Enrollment period

Other less common qualifying events may apply. If you are unsure whether you have experienced a qualifying event that will allow you to change your insurance benefits, contact your Insurance Coordinator or Human Resource Generalist for additional information.

Qualifying events can be complicated, and at times, difficult to understand. There are restrictions on the types of changes you can make due to federal qualifying event rules. For instance, a change in a life event or status may not entitle you to change the amount you contribute to a Flexible Spending Account. For that reason, it is very important that you be aware of the following rules and contact your Insurance Coordinator or Human Resource Generalist as quickly as possible after experiencing a qualifying event:

Contact your Insurance Coordinator or Human Resource Generalist for questions, assistance, and additional information about Qualifying Events.

In general, a qualifying event that permits a change in health insurance will also permit a change in dental and vision insurance. Likewise, a qualifying event that permits a change in health insurance will, in most instances, permit a change in life insurance including making a change to or adding optional insurance coverage.

You may choose optional employer-sponsored, employee-paid, dental insurance administered by Anthem. Dental benefits make it easier and more affordable to care for your mouth — and smile. Regular dental checkups help your dentist keep your teeth and gums healthy and catch potential issues earlier, when they're easier to treat. Good oral health can also help improve overall health and reduce the risk of diabetes, heart disease, and other serious health conditions.1

Your dental plan includes:

You may choose optional employer-sponsored, employee-paid, vision insurance administered by Anthem. Routine eye checkups are about more than making sure you can see clearly. They're also important to overall health, safety, and learning. Even if you can see well, regular eye exams are important to help keep your eyes healthy — and catch other health problems early.1

With Blue View VisionSM, you have access to one of the country's largest networks of eye doctors and eye-care retailers. This makes it easy to get eye care at the best time for you.

As a Commonwealth of Kentucky public employee, your participating employer provides $20,000 of basic life insurance coverage to eligible employees at no cost to you. In addition to the free $20,000 of life coverage, you have the option to purchase additional life insurance for you and your eligible dependents. The basic and optional employee term life insurance plans also provide accidental death and dismemberment (AD&D) benefits, providing additional financial protection in the event of death or injury caused by certain events.

Outside of open enrollment, you can add or increase optional life insurance. A Statement of Health will be required for Optional Life Insurance for the employee or spouse if outside of Open Enrollment.

During open enrollment, you can add or make changes to your optional employee and dependent life insurance plan(s) without a Statement of Health. Outside of open enrollment, you can add or increase optional life insurance. A Statement of Health will be required for Optional Life Insurance for the employee or spouse if outside of Open Enrollment.

Remember to keep your life insurance beneficiary information updated in KHRIS ESS.

Dependents over the age of 26 are not eligible for dependent coverage.

Check with your employer to see if they participate in the Commonwealth's life insurance program.

As an employee, if you desire to purchase additional life insurance in addition to the free $20,000, you can select from the options below:

Employee Coverage Options and Monthly Premiums

Age $10,000 $25,000 $50,000 $100,000 $150,000

16 – 29 $0.92 $2.28 $4.60 $9.18 $13.76

30 – 39 $1.94 $4.86 $9.72 $19.44 $29.16

40 – 59 $4.28 $10.70 $21.40 $42.80 $64.20

Ages 60 and over $6.98 $17.48 $34.96 $69.90 $104.86

As an employee, you may purchase life insurance on your spouse and dependents. You can select from the available plan options below:

Kentucky Deferred Compensation (KDC) is a tax-deferred retirement savings plan offered to all state employees, public school employees, university employees, and employees of local political subdivisions that have elected to participate.

Chances are Social Security benefits, plus your state and other system retirement, will not provide enough income to maintain your current standard of living. By contributing to a supplemental retirement plan, you consistently save with the goal of having additional income at retirement. KDC helps bridge the gap between what you'll collect from your pension and what you need for retirement.

Easy contributing — Contribute as little as $30 per month or $15 per pay.

Convenient — Contributions are automatically deducted from your paycheck.

Tax advantages — No federal or state income taxes on pre-tax contributions and earnings until the money is paid to you.

Low cost — As a KY State Government program, there is no profit incentive, and savings are passed on to participants.

Accessible — Manage your account online anytime, day or night.

Personal service — Local Retirement Specialists are available across the Commonwealth.

Easy enrollment — Only one form and a few minutes to begin. Anniversary Kentucky's official supplemental retirement plan

Employees can enroll anytime. Let us help. Call 800-542-2667 or 502-573-7925 or find us online at kentuckydcp.ky.gov.

Department of Employee Insurance (DEI) Open Enrollment Hotline 888-581-8834 OR 502-564-6534

Extended hours and the five phone options below are only available during Open Enrollment: October 7 to October 25.

Monday, Oct. 7 to Friday, Oct. 11, 7:30 a.m. to 4:30 p.m. Monday, Oct. 14 to Friday, Oct. 18, 7:30 a.m. to 6:00 p.m. Monday, Oct. 21 to Friday, Oct. 25, 7:30 a.m. to 8:00 p.m.

You can choose from one of these five options: Option 1: Kentucky Public Pensions Authority Option 2: KHRIS User ID and password reset Option 3: Benefit questions for Anthem (medical, dental, and vision), HealthEquity, or CVS Caremark Option 4: Technical assistance such as browser or compatibility errors Option 5: Department of Employee Insurance (DEI) for all other inquiries

Personnel Cabinet – personnel.ky.gov KEHP – kehp.ky.gov Vision and Dental Insurance – personnel.ky.gov Well-being – mycastlight.com/mybenefits

Department of Employee Insurance 888-581-8834 or 502-564-6534 Monday to Friday, 7:30 a.m. to 4:30 p.m., except Commonwealth holidays

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Your plan, as required by WHCRA, provides benefits for mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy, including lymphedema. For more information regarding this coverage, please refer to your Medical Benefit Booklet or go to kehp.ky.gov (Resources/Docs, Forms, and Legal Notices link)

If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact the Department of Employee Insurance, Member Services Branch at (888) 581-8834 or (502) 564-6534.

Appropriate precautions will be taken to avoid any data breach. In the event a data breach occurs involving information you provide in connection with the wellness program, we will notify you as soon as it is feasible after discovery of the breach.

KEHP is committed to helping you achieve your best health. Incentives for participating in KEH wellness program are available to all persons who enroll in a KEHP health insurance plan and spouse. If you are unable to participate in any of the health-related activities, or you think you

Additional incentives in the form of gift cards, consumer goods, and other prizes may be available for employees who participate in certain health-related activities such as walking challenges or quitting smoking. In addition, KEHP offers discounted, monthly employee premium contribution rates to non-tobacco users. Each KEHP member has at least one opportunity per Plan Year to qualify for the monthly premium contribution discount.

LivingWell is KEHP's voluntary wellness program available to all persons who enroll in a KEHP health insurance plan and their enrolled spouse. The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent disease. Those federal rules include the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness program, you will be asked to complete a voluntary health assessment (or "HA") that asks a series of questions about your health-related activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You are not required to complete the HA. However, employees who choose to participate in the LivingWell wellness program will receive an incentive in the form of discounted employee premium contributions for the employee's health insurance coverage. Although you are not required to complete the HA, only employees who do so will receive the discounted health insurance premiums.

If you or your children are eligible for Medicaid or the Children's Health Insurance Program (CHIP) and you're eligible for health coverage from your employer, Kentucky may have a premium assistance program that can help pay for coverage using funds from the state's Medicaid or CHIP programs. If you or your dependent(s) are eligible for premium assistance under Medicaid or CHIP, as well as eligible for health insurance coverage through KEEP, your employer must allow you to enroll in KEEP if you aren't already enrolled. This is called a "special enrollment" opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. In addition, you may enroll in KEEP if you or your dependent's Medicaid or CHIP coverage is terminated because of loss of eligibility. An employee must request this special enrollment within 60 days of the loss of coverage. You can find more information and the required CHIP notice at kehp.ky.gov (Resources/Docs, Forms, and Legal Notices link).

personally identifiable health information to these persons is necessary in order to provide you with services under the wellness program.

disclose any of your personal information either publicly or to your employer, except as necessary to respond to a request from you for a reasonable accommodation needed to participate in the wellness program, or as expressly permitted by law. Medical information that personally identifies you that is provided in connection with the wellness program will not be provided to your supervisors or managers and may never be used to make decisions regarding your employment.

that does not identify any individual in order to design programs based on health risks the workplace and that are aimed at improving the health of KEHP members. KEHP will nev

If you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your new dependent(s). However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.

If you decline enrollment for yourself or your eligible dependent(s) (including your spouse) because of other health insurance or group health plan coverage (regardless of whether the coverage was obtained inside or outside of a Marketplace), you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents' other coverage). However, you must request enrollment within 30 days after your or your dependents' other coverage ends (or after the employer stops contributing toward the other coverage).

Protections from Disclosure of Medical Information: KEHP is required by law to maintain the privacy and security of your personally identifiable health information. KEHP does not collect or retain personal health or medical information through its LivingWell wellness program unless it is part of an audit, compliance, payment, operations, or customer service review; however, KEHP may receive and use aggregate information that does not identify any individual in order to design programs based on health risks

Under the Health Insurance Portability and Accountability Act (HIPAA), you have “special enrollment” rights if you have a loss of other coverage or you gain a new dependent. In addition, you may qualify for a special enrollment in KEHP under the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA).

unable to meet a standard to earn an incentive under the LivingWell wellness program, you may request a reasonable accommodation or an alternative standard. Contact the Department of Employee Insurance, Member Services Branch at (888) 581-8834 or (502) 564-6534 and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same incentive that is right for you in light of your health status.

Under federal law, group health plans generally may not restrict benefits for a hospital stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 (or 96, as applicable) hours. In any case, health insurance plans may not require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 (or 96) hours.

KEHP gathers and collects demographic information about its members such as name, address, and social security numbers. This information is referred to as individually identifiable health information and is protected by HIPAA and related privacy and security regulations. HIPAA requires KEHP to maintain the privacy of your protected health information (PHI) and notify you following a breach of unsecured PHI. In addition, KEHP is required to provide to its members a copy of its Notice of Privacy Practices (NPP) outlining how KEHP may use and disclose your PHI to carry out treatment, payment, or health care operations, or for any other purposes that are permitted or required by law. The NPP also informs members about their rights regarding their PHI and how to file a complaint if a member believes their rights have been violated. KEHP's Notice of Privacy Practices and associated forms may be obtained by visiting kehp.ky.gov (Resources/Docs, Forms, and Legal Notices link).

KEHP has determined that KEHP's prescription drug coverage is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

If an employer participates in the Waiver Health Reimbursement Arrangement (HRA) program through KEHP, an employee may elect to waive KEHP health insurance coverage and choose a Waiver HRA that is funded by the employer, up to $2,100 a year. There are two Waiver HRA options: the Waiver General Purpose HRA and the Waiver Limited Purpose HRA. An employee is eligible for the Waiver General Purpose HRA only if the employee, and the employee's spouse and dependents, if applicable, have other group health plan coverage. An employee that elects a Waiver General Purpose HRA must attest that the employee and, if applicable, the employee's spouse and dependents are enrolled in another group health plan that provides minimum value. A "group health plan" refers to coverage provided by an employer, an employer organization, or a union. A "group health plan" does not include individual policies purchased through the Marketplace or governmental plans such as TRICARE, Veteran's Benefits, Medicare, or Medicaid. A group health plan that provides "minimum value" means the plan pays at least 60% of the total allowed cost of covered benefits/services and participants or members in the plan are required to pay no more than 40% of the total allowed cost of covered benefits/services. An employee that elects a Waiver General Purpose HRA and that ceases to be covered under another group health plan that provides minimum value is required to notify KEHP within 30 days of the date that the other group health plan coverage ceased. In this event, coverage under the Waiver General Purpose HRA will be terminated, and the employee may elect a KEHP health insurance plan option or the Waiver Limited Purpose HRA. Each employee is permitted to permanently opt out of and waive future reimbursements from the Waiver General Purpose HRA at least annually during open enrollment.

The Commonwealth of Kentucky is committed to fostering and promoting wellness and health in the workforce. As part of KEHP's LivingWell wellness program, KEHP offers a monthly discount in health insurance premium contribution rates for non-tobacco users. You are eligible for the non-tobacco-user premium contribution rates provided you certify, during the health insurance enrollment process, that you or any other person over the age of 18 to be covered under your plan has not regularly used tobacco within the past six months. "Regularly" means tobacco has been used four or more times per week on average excluding religious or ceremonial uses. "Tobacco" means all tobacco products including, but not limited to, cigarettes, pipes, chewing tobacco, snuff, dip, cigars, and any other tobacco products regardless of the method of use. "KEHP Health Insurance Enrollment Application" refers to any method of enrolling in KEHP health insurance coverage including submitting a paper application, completing and submitting an application online, or enrolling in KEHP health insurance coverage through an online enrollment system such as KHRIS.

Whether you complete your KEHP health insurance enrollment online or submit a paper application, you are required to certify that all attestations regarding tobacco use are accurate. By completing the enrollment process, you certify the following:

ald Retiree (Wiere applicable) may allx a sagiature to a paper copy of title KEHP Healtil the Group Dental or Vision some on an electronic application

AA. CONSENT TO ELECTRONIC DISCLOSURES. You consent to receiving any and all communications, including records, disclosures, or coverage information (or any portion of the same) in electronic form, including by email or through KHRIS, at the election of DEI, the Insurance Coordinator/Human Resource Generalist communicating on DEI's behalf, or a vendor utilized by DEI or your employer for the administration of your insurance benefits. You may still receive paper documents from time to time, or may be required to complete and sign paper documents. You also acknowledge that you may print or save any electronic communication or agreement for your records and later review. You must have access to a computer and web browser that is sufficiently up to date to access the KEHP/KHRIS website and access to an email that accepts external email. You may request a paper copy of any electronic record or disclosure by contacting your employer's insurance coordinator. A fee may be charged for each paper copy. You may withdraw consent to obtain electronic records and notices by contacting your employer's insurance coordinator with the request and filling out any necessary form.

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