Kentucky Employees Health Plan

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Kentucky Employees' Health Plan (KEHP) is a self-funded program providing health insurance benefits to the employees and retirees of the Commonwealth of Kentucky, local school boards, some cities and county governmental agencies. Kentucky Employees' Health Plan currently offers coverage to approximately 285,000 employees, retirees and their dependents.

KEHP offers four different plan choices for the 2010 Plan Year. Two of the four plans feature a $0 employee contribution for single coverage. Members are free to choose where to receive your care. None of the four plans require referrals. All four KEHP plans feature:

  • Unlimited lifetime maximums
  • 100% coverage for most or all in-network, preventive services
  • Low, annual, out-of-pocket maximums
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Commonwealth Maximum Choice

Commonwealth Maximum Choice is a consumer driven plan that includes a KEHP funded,Health Reimbursement Account (HRA). KEHP contributes $1,000 for single coverage, $1,500 for parent plus and couple coverage, and $2,000 for family coverage into the member's HRA. Commonwealth Maximum Choice is a good choice for people at both ends of the healthcare spectrum: people who are healthy and have few, if any, medical expenses; and people who have chronic or other signifificant medical conditions with above-average expenses. Due to the nature of the HRA accompanying this plan, retirees are not eligible to participate in the Commonwealth Maximum Choice Plan.

Commonwealth Optimum PPO

Commonwealth Optimum PPO is a traditional Preferred Provider Organization (PPO) plan. This plan is a good choice if the member is willing to have larger paycheck deductions in exchange for lower out-of-pocket costs.

Commonwealth Capitol Choice

Commonwealth Capitol Choice is a unique, hybrid health plan that combines features of a consumer-driven plan with a traditional PPO plan. With this plan, KEHP funds a $500 per family member “benefit allowance” that provides 100% coverage for many in-network services before a member starts paying towards the deductible. Commonwealth Capitol Choice should work especially well for people with annual medical expenses below $500 and people looking for a plan with excellent inpatient hospital facility benefits. Commonwealth Capitol Choice features include predictable office visit and pharmacy co-pays, and $100 per admission hospital facility copay.

Commonwealth Standard PPO

Commonwealth Standard PPO is a value-based, traditional PPO plan. Although it features higher deductibles, higher member co-insurance percentages, and higher annual out-of-pocket maximums than the Commonwealth Optimum PPO, it offers much lower premiums.

See Also