Choose what’s right for you!
Need more information and rates? Click the red button below each plan.
LIVINGWELL CDHP
Do you want to pay lower premiums and receive money in an HRA to help reduce your deductible? 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.
Both your medical and pharmacy expenses apply to the out-of-pocket maximum.
Once your out-of-pocket maximum is met, your covered medical and pharmacy claims will be paid at 100%.
LIVINGWELL PPO
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.
Most expenses are subject to the deductible and then covered at 75%.
This plan has two out-of-pocket maximums — one for medical expenses and the other for prescription expenses, which means you will pay more out of your pocket.
You will always have to pay co-pays for some services, even after meeting your deductible and out-of-pocket maximum.
LIVINGWELL BASIC CDHP
How about 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 very low premium.
You will pay 30% for covered services after you meet your deductible.
Both your medical and pharmacy expenses apply to the out-of-pocket maximum.
Once your out-of-pocket maximum is met, your covered medical and pharmacy claims will be paid at 100%.
Choosing your plan.
Sometimes choosing a health plan that works best for you and your family can be confusing. There are several pages in this guide designed to help you better understand each plan.
