Health insurance for retirees age 65 and over is a bit differentdue to Medicare. This guide covers:

• Health insurance and prescriptions = UK Medicare Advantage

• Dental insurance = UK Dental or Delta Dental

• Vision insurance = EyeMed

Every year, you have opportunities to make changes during:

• Spring open enrollment = make dental and vision changes

receive mail from us a few months before you turn 65. You can also access forms online: www.uky.edu/hr/forms/benefits

Turning 65 soon?That’s a qualifying event, which allows you to enroll in UK MedicareAdvantage if you’re eligible. At age 65 you become ineligible forUK HMO, PPO, EPO and RHP plans, except in certain cases. You’ll

FOR RETIREES AGE 65+2020 INSURANCE BENEFITS

CONTACTSMedicare 1-800-633-4227 www.medicare.gov

UK Medicare AdvantageUK Benefits (for enrollment and eligibility) 859-257-9519, option 3benefits@email.uky.edu

Prescription Express Scripts 1-877-242-1864 www.express-scripts.com

Know Your Rx 859-218-5979 or 1-855-218-5979 www.uky.edu/hr/benefits/pharmacy

More coverage UK Dental 859-323-8566

dentistry.uky.edu/patient-care/plan

Home, auto and pet insurance

1-800-438-6388 www.metlife.com/mybenefits

Disability, disease, accident, life, legal and more insurance 1-859-223-4973 or 1-888-388-1676 www.thempmgroupllc.com

Retirement savings TIAA 1-800-842-2776 or 859-224-6900 for appointments www.tiaa.org

Fidelity 1-800-343-0860 or

1800-642-7131 for appointments

www.fidelity.com

Well-being benefits

Health coaching 859-257-9355 www.uky.edu/hr/wellness/be

Mental health therapy 859-257-9433 www.uky.edu/wlc

Nutrition 859-257-9355 www.uky.edu/hr/wellness/eat

Personal finance 859-218-1589 www.uky.edu/hr/financial-well-being

Email us at benefits@email.uky.edu. Reach us by phone at 859-257-9519, select option 3 or toll-free 1-800-999-2183

Fitness 859-257-9355 www.uky.edu/hr/wellness/move

Elder care 859-323-4600 or 1-800-873-8532 www.uky.edu/hr/eldercare

EyeMed Vision Care 1-866-723-0596 www.eyemedvisioncare.com

Delta Dental 1-800-955-2030 www.deltadentalky.com

United Healthcare (for planinformation) 1-844-488-3956www.uhcretiree.com/uky

• Fall open enrollment = enroll or unenroll in Medicare Advantage

If you don’t make changes, your plan selections stay the same.

AGE 65 OR OVER? HEALTH INSURANCE IS DIFFERENTAt age 65, whether you’re working or not, you’re eligible for Medicare from the government. Whenyou retire, if you’re eligible for health insurance from UK as a retiree, you could enroll in UK Medicare Advantage. This includes Original Medicare and so much more, including prescriptions!

Parts of MedicareMedicare is available as part A, B, C and D. The government provides A and B, knownas Original Medicare. UK offers C and D.

If you’re not workingYou’re required by the government to have Medicare parts A and B, whether it’s included in Part C from your retiree benefits or not.

If you’re working and want to keep your current plan

Health insurance timeline by ageBefore your 65th birthday, if you’re eligible for health insurance from UK as a retiree, you’llreceive several plan options (HMO, PPO and more). Your annual open enrollment is in spring.

Three months beforeyou turn 65, you canenroll in Medicarethrough the socialsecurity website or yourlocal office. You’ll also receive mail from us to enroll in Medicare Advantage if you prefer.

At and after age 65, youropen enrollment period to make changes to health insurance happens in thefall instead of spring. You can still make dental and vision changes in spring.

When you turn 65...

A Hospital insurance

Medical insurance

All-in-one alternative

Prescription coverage

We suggest you enroll in Medicare part A only. This will make it easier to enroll in part B when you retire.

A

B

C

D

Part C: UK Medicare AdvantageProvides Original Medicare (hospital coverage through part A and medical coverage through part B) and much more!

2 U N I V E R S I T Y O F K E N T U C K Y

OriginalMedicare

You must change plans before you can enroll in Medicare part A. Contact us for assistance!

If you have UK Saver insurance

Provides prescription coverage throughKnow Your Rx. You’ll get an updatedExpress Scripts card specific to the UK Medicare Rx plan.

Part D: UK Medicare Rx

From UKUK offers an insurance benefit to eligible retirees who are age 65 and over inclduing:

MEDICARE ADVANTAGE: UK BENEFIT FOR AGE 65+UK offers the Medicare Advantage plan for eligible retirees age 65 and over. Medicare Advantage is administered by United Healthcare and it’s a PPO plan, which means you have some flexibilty inwhere you receive care.

2020 ratesThese rates are for January 1 to December 31, 2020. What you pay monthly is called a premium.

More than Original MedicareWhile Original Medicare covers 80% of your total medical bills, UK offers Medicare Advantage, which gives you closer to 100% coverage — that means even lower medical bills for you. Plus, you’ll get access to these additional programs:

• Many preventive services at $0 co-pay, including your annual Wellness Visit• Enjoy preventive care visits in the privacy of your home with HouseCalls• Get answers to your health questions with NurseLine• See a doctor or a mental health specialist • Special programs for people with chronic or complex health needs• Make caring for a loved one easier with Solutions for Caregiver• Custom-programmed hearing aids• Fitness opportunities through Silver Sneakers• More health and wellness opportunities

If you’re a UK retiree with 5-14 years of service (or if you were hired after January 1, 2006)

Coverage Monthly rate What you pay

Retiree only $186 - $186

Retiree + spouse $372 - $372

Surviving spouse

$186 - $186

What UK pays

Plan year: January 1 to December 31This health insurance plan has a different plan year and open enrollment period than the other UK insurance plans. You’ll be mailed any plan changes and information before the fall open enrollment begins. Fall open enrollment: October 15 to December 7.

If you’re a UK retiree with 15+ years of service and you were hired before January 1, 2006

Coverage Monthly rate What you pay

Retiree only $186 $167 $19

-Retiree + spouse $372 $167 $205

Surviving spouse

$186 $84 $102

What UK pays

32 0 2 0 B E N E F I T S

These rates are for January 1 to December 31, 2020. What you pay monthly is called a premium.

MEDICARE ADVANTAGE PLAN SUMMARY

UK Medicare Advantage plan benefits Benefits for covered services provided at participating providers

Out-of-pocket amount

Annual deductible $185/member

Medical out-of-pocket maximum $3,000/member; $6,000/family

Prescription out-of-pocket maximum N/A

Preventive care

*Coverage underpreventive care category dependson age, symptomsand diagnosis

Routine mammogram and Pap smears, PSA, screening colonoscopy and sigmoidoscopy* Routine child care and immunizations (through age 18) Routine adult physical exam (19 years and above, one per plan year)

100%

Physician services

Routine outpatient laboratory tests and X-rays Office visits (excludes certain diagnostic lab tests and X-ray) Lab tests and X-rays Allergy injections Inpatient services Outpatient surgery and diagnostic tests

96% after deductible

Hospital services

Inpatient care (semi-private room and board, nursing care, ICU) Physician visits to emergency room Outpatient surgery, outpatient nonsurgical care Outpatient tests, lab and X-ray Ancillary services Organ transplants

96% after deductible

Other medical services

Emergency room

Urgent care

Home health careHospice services

$100 co-pay (waived if admitted within 24 hours for same condition)

$65 co-pay (waived if admitted within 24 hours for same condition)

100%

Skilled nursing facility (up to 100 days per plan year) Ambulance services Durable medical equipment Physical, speech, hydrotherapy, occupational and acupuncture

96% after deductible

Mental health &substance abuse

Inpatient mental health or substance abuse Outpatient mental health or substance abuse

96% after deductible

therapy (limited to 45 visits per plan year, combined)

2020 planThis plan design is set for January 1 to December 31, 2020.

4 U N I V E R S I T Y O F K E N T U C K Y

www.uky.edu/hr/benefits/retiree-medical-plans/health#medicare-rates

See plan information online:

5

PRESCRIPTION COVERAGEYou’re automatically enrolled in prescription coverage along with your health insurance. Express Scripts manages your prescription coverage.

Bulk prescription costs Mail delivery from UK Retail Pharmacies or Express Scripts

30-day supply 90-day supply

Generic 20% or 10% or Minimum of $8 Minimum of $24 Maximum of $50 Maximum of $100

Specialty generic 20% or Minimum of $8 — Maximum of $50

Formulary brand 40% or 30% or Minimum of $20 Minimum of $60 Maximum of $60 Maximum of $120

Non-formulary brand 50% or 40% or Minimum of $40 Minimum of $120 No maximum No maximum

Specialty brand $200 —

Interested in cost-savings? Call our pharmacist teamKnow Your Rx could help you save money and learn more about your prescriptions. Call between 8 a.m. to 6 p.m. at 859-218-5979, 1-855-218-5979 (toll free) or email KYRx@uky.edu.

Learn more: www.uky.edu/hr/rx

O P E N E N R O L L M E N T - R E T I R E E S

52 0 2 0 B E N E F I T S

Preferred brand(formulary)

Generic

Non-preferred(includes some generics)

Non-formulary

MEDICARE RX PRESCRIPTION COVERAGEWhen you enroll in UK Medicare Advantage, you’re automatically enrolled in prescription coverage called UK Medicare Rx through Know Your Rx.

You’ll receive a card from Express Scripts, like you did as an employee, but your card will bespecific to the UK Medicare Rx plan.

Prescription fulfillment options and costs

You can choose to order your prescriptions in different quantities, up to a 30-day supply, or up to a 90-day supply. Prescriptions can be filled by Express Scripts’ home delivery service or by a retail pharmacy. Your retail pharmacy options include UK Retail Pharmacies and Walgreens, which may also offer home delivery.

Up to a 30-day supply 31 to 90-day supplyExpress Scripts and Retail

10% coinsurance orNo min

40% coinsurance orMin = $120No max

30% coinsurance orMin = $60Max = $120

Not covered

20% coinsurance orNo minMax = $100 (31 to 60-day supply)

50% coinsurance orMin = $80 (31 to 60-day supply)Min = $120 (61 to 90-day supply)

Not covered

40% coinsurance orMin = $40 (31 to 60-day supply)

Max = $120 (31 to 60-day supply)

20% coinsurance or No out-of-pocket minimumOut-of-pocket maximum = $50

40% coinsurance orOut-of-pocket minimum = $20Out-of-pocket maximum = $60

50% coinsurance orOut-of-pocket minimum = $40No out-of-pocket maximum

Not covered

Express Scripts Retail

Max = $100

Max = $150 (61 to 90-day supply)

Min = $60 (61 to 90-day supply)

Max = $180 (61 to 90-day supply)

No max

6 U N I V E R S I T Y O F K E N T U C K Y

DENTAL INSURANCEUK Dental: If you prefer UK dentists and lower monthly premium costs.

Delta Dental: If you prefer dentists outside of UK.

Learn more: www.uky.edu/hr/retirees/dental

UK Dental Delta Dental Classic Ultra Basic Enhanced

Monthly premium

Retiree or spouse only $17.98 $40.03 $24.40 $33.00

Retiree + children $37.82 $82.36 $46.30 $69.80

Retiree + spouse $37.82 $82.36 $51.90 $72.80

Retiree + family $59.87 $127.24 $76.30 $113.50

Services

Routine office visit 100% 100% 100% 100%

Two cleanings per year 100% 100% 100% 100%

Restorative fillings 50% 100% 80% 80%

Simple extractions 50% 100% 80% 80%

Crown, bridge and dental implants Not covered 20% / 30% Not covered 50%

Endodontics (root canal) Not covered 30% 80% 80%

Oral surgery Not covered 30% 80% 80%

Dentures

Complete and partial dentures 50% 50% Not covered 50%

Fixed and removable dentures 50% 50% 50%

Periodontics

Two maintenance visits per year 100% 100%

Scaling, root planning and perio evaluation 50% 50% 80% 80%

Surgical Not covered 30% 80% 80%

Orthodontics

Age limit Not covered Up to age 19 Not covered No age limit

Coverage Not covered 20% up to $1,000 Not covered 50% up to a $1000 lifetime maximum lifetime maximum

Emergency treatment 50% 100%

.

No age limit Up to age 19

7

VISION INSURANCE WITH EYEMEDEssential: If you prefer lower monthly premium costs, but higher co-pays.

Enhanced: If you prefer lower co-pays but, higher monthly premium costs.

See all health plans: www.uky.edu/hr/retirees/vision

Essential Enhanced

Monthly premium

Retiree or spouse only $8.50 $21.40

Retiree + children $15.20 $38.00

Retiree + spouse $16.00 $40.00

Retiree + family $21.40 $53.60

Services

Laser vision correction 15% off retail price of 15% off retail price of 5% 5% off promo price off promo code

Examination frequency Once every 12 months Once every 12 months

Exams (member cost / out-of-network cost)

Exam with dilation as necessary $10 co-pay / Up to $40

Standard contact lens $55 / Not covered $0 co-pay, pain-in-full, fit and two follow-up visits / Up to $40

Premium contact lens $10% of retail price / Not covered $0 co-pay, 10% off retail prices, then $55 allowance / Up to $40

Frames

Purchase frames Once every 24 months Once every 12 months

Lens

Purchase lenses or contacts Once every 12 months Once every 12 months

Single vision standard plastic $10 co-pay / Up to $40 $10 co-pay / Up to $40

Bifocal standard plastic $10 co-pay / Up to $60 $10 co-pay / Up to $60

Trifocal standard plastic $10 co-pay / Up to $80 $10 co-pay / Up to $80

Standard progressive $75 co-pay / up to $60 $10 co-pay / Up to $83

Premium progressive (tier 1-3) $95-$120 co-pay / Up to $60 $30-$55 co-pay / Up to $83

Premium progressive (tier 4) $75 co-pay, 80% of charge less $10 co-pay, 80% of charge less $120 allowance / Up to $60 $120 allowance

UV treatment $15 / Not covered $0 co-pay / Up to $12

Tint (solid and gradient) $15 / Not covered $0 co-pay / Up to $12

Standard scratch resistance $15 / Not covered $0 co-pay / Up to $12

Standard polycarbonate for adult $40 / Not covered $0 co-pay / Up to $30

Standard polycarbonate for kids under 19 $0 co-pay, paid-in-full / Up to $30 $0 co-pay / Up to $30

Standard anti-reflective coating $45 / Not covered $0 co-pay / Up to $34

Premium anti-reflective coating (tier 1 & 2) $57-$68 / Not covered $12-$23 co-pay / Not covered

Premium anti-reflective coating (tier 3) 20% off retail price / Not covered $45 allowance, then 20% off / Not covered

Polarization, other add-ons and services 20% off retail price / Not covered 20% off retail price / Not covered

Conventional contact lens $0 co-pay, $130 annual allowance, $0 co-pay, $160 annual allowance / 15% off balance / Up to $100 Up to $128

Medically necessary contact lenses $0 co-pay, paid in full / Up to $200 $0 co-pay, paid in full / Up to $200

(member cost / out-of-network cost)

90% of retail price minus a $40 allowance