Skip to main navigation Skip to main content

OE Non-Medicare - Plan Year 2023

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Plan Information

  • Health insurance plan options are the same for Plan Year 2023 with the exception of the LivingWell High Deductible plan not being offered for 2023. Those currently on the LivingWell High Deductible Plan will need to select another plan for 2023. Your Anthem ID card shows your current plan.
  • If you pay a portion of your KPPA coverage, there is an approximate 7% premium increase for all plans offered.
  • There are no benefit changes to plans offered for the upcoming Open Enrollment.
  • No new Anthem ID cards will be issued, unless you are making a change in coverage.
  • New Visa HRA cards will be issued only if coverage changes or the current card expires. Please see the expiration date on your current card.
  • No dental or vision coverage is available for Non-Medicare eligible retirees through Anthem; however, you can see optional coverage by visiting the Dental and Vision section of our Books and Guides page​.​
  • ​Two webinars will be held about Plan Year 2023 Non-Medicare Open Enrollment: one on October 3 and the other on October 7. To register, visit our Webinars and videos page​.

​Plan Options

Click on the Benefits Grid below to see plan options.​Hazardous Duty Retiree: Yearly Requirement

Hazardous duty retirees MUST submit a Form 6256 - Designation of Spouse and/or Dependent Child for Health Insurance .
Click here for more information​. If you fail to submit the form YOU WILL NOT RECEIVE PREMIUM CONTRIBUTIONS for your legal spouse or eligible dependents. If you submit the form after January 1, you will only receive reimbursement of premiums for the 90 days prior to the receipt of the Form 6256 in Plan Year 2023​.​

2023​ LivingWell Promise

All plans require a LivingWell Promise for 2023, don’t forget to take your Biometric Screening or online Health Assessment from January 1 through July 1.

If you enrolled in a LivingWell Plan option for 2022 and you did not fulfill your LivingWell Promise, you will not receive the monthly $40 premium discount and you will be responsible for paying the $40 per month. This will be paid by the retiree / planholder / beneficiary if you enroll in a Kentucky Employees Health Insurance Plan (KEHP) for 2023.

Take the LivingWell Promise

If you fail to complete your promise in 2023​​ you will be responsible for paying the $40 per month for the 2024 plan year. Click here for more information. If you have questions about whether you have completed the LivingWell Promise, contact WebMD at 866-746-1316 or visit KEHPLivingWell.com.

Have more questions? Call the KPPA Call Center 502-696-8800 (Frankfort) or 1-800-928-4646 (Toll-Free).​

​Members with Participation Date Prior to July 1, 2003

In order to determine your cost for coverage in 2023, please refer to the guides below.​​

2023 Nonhazardous Duty Retiree/Percentage Contribution
Months of ServiceContribution
240+ months or more - Contribution based on Plan selected

​​LivingWell CDHP $813.02
LivingWell PPO $833.64
LivingWell Basic CDHP $783.92

180-239 months

​$625.23​

120-179 months

​$416.82

48-119 months

​$208.41

0-47 months

​$0.00

​Nonhazardous Duty Beneficiaries Receiving Benefits

*KPPA does not pay a contribution for coverage on behalf of a beneficiary receiving a monthly retirement benefit. Beneficiaries obtaining coverage should enter "$0.00" for the percentage contribution. Exception: If you are a spouse beneficiary or a dependent child receiving a monthly benefit under the Fred Capps Memorial Act, contact KPPA.​

2023 Hazardous Duty Retiree/Percentage Contribution
Months of ServiceContribution
240+ months or more - Contribution based on Plan selected​$833.64
180-239 months​$625.23
120-179 months​$416.82
48-119 months​$208.41
0-47 months​$0.00

​​​​

Children Eligible for Coverage and Premium Contributions 

Click here to read more about eligibility for children and spouses to receive coverage and premium contributions.​

2023 Amount KPPA Pays for Dependent Coverage - Hazardous Duty Only** / Percentage Contribution
Months of Hazardous ServiceAmount KPPA Pays Toward Parent PlusAmount KPPA Pays Toward Couple PlanAmount KPPA Pays Toward Family PlanAmount KPPA Pays Toward Family X-Ref***
240+ months$343.66$958.78$1,154.98$1,162.40
180-239 months$237.75$719.09$866.24$871.80
120-179 months$171.83$479.39$577.49$581.20
48-119 months$85.92$239.70$288.75$290.60
0-47 months$0.00$0.00$0.00$0.00

**The amounts  paid in the table above are in addition to the amounts in Hazardous Duty Retiree Percentage Contribution table, based on overall service and hazardous service earned by retiree. Contact spouse's Insurance Coordinator for information on spouse's portion of premium.

***If you have at least 48 months of hazardous service, the cross-reference option is selected, and the retiree has a surplus of contributions to cover the retiree's portion of the premium, the surplus will be applied to the spouse's portion of the premium.

****Add the value for the Tobacco Usage to the overall cost of your premium.​

TOBACCO USER NOTICE****

The Commonwealth of Kentucky is committed to fostering and promoting wellness and health in the workforce. You are eligible for the non-tobacco user premium contribution rates provided you certify that you and any other person 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 use. 

  • Tobacco means all tobacco products including, but not limited to, cigarettes, pipes, chewing tobacco, snuff, dip, and any other tobacco products regardless of the frequency or method of use. 

  • Dependent means, for the purpose of the Tobacco Use Declaration, only those dependents who are 18 years of age or older. If you have regularly used tobacco within the past six months, you are subject to the monthly fee . For those with single coverage, the fee is $40.00 per month. For those with any dependent coverage (Parent Plus, Couple, Family), even if only one person uses tobacco, the fee is $80.00.

Dollar Contribution Rates Plan Year 2023

Is your Participation Date After July 1, 2003?

See the Dollar Contribution Rates Below. 

If you began participating on or after July 1, 2003, please read the information below. If you have additional questions call KPPA at 1-800-928-4646 (Toll Free) or 502-696-8800(Frankfort). 

Use this guide if you are receiving benefits, were hired July 1, 2003 or later, and began participating with KPPA between August 1, 2004 and August 31, 2008.* Or began participating with KPPA on or after September 1, 2008.**

*In order to be eligible for health insurance benefits, you must have 120 months of service upon retirement.

**In order to be eligible for health insurance benefits, you must have 180 months of service upon retirement.

For service in a nonhazardous position, you will receive a monthly dollar contribution of $14.20 for each year of service per month. The Dollar Contribution will increase by 1.5% on July 1.

i.e. if you began participating September 1, 2003 in a nonhazardous position, and retired effective October 1, 2013, you would receive $140.20 per month towards health insurance premiums.

For service in a hazardous position, you will receive a monthly contribution of $21.30 for each year of service per month. The Dollar Contribution will increase by 1.5% on July 1.

i.e. if you began participating September 1, 2003 in a hazardous position, and retired effective October 1, 2013 you would receive $213.00 per month towards health insurance premiums. 

If you have hazardous and nonhazardous service, you will receive contribution based on the amount of full years of service for each.

i.e. if you began participating September 1, 2003 in a nonhazardous position until September 30, 2008 (5 years x $14.20 = $71.00), and then began participating October 1, 2008 in a hazardous position, and retired effective November 1, 2013 (5 years x $21.30= $106.50), you will receive $177.50 per month towards health insurance premiums ($71.00 + $106.50 = $177.50).

If you have a partial year of hazardous service and a partial year of nonhazardous service, they can be combined to equal a full year, you will receive 1 year of non-hazardous service.

i.e. if you have 9 years and 6 months of nonhazardous service and 6 months of hazardous service, your insurance contribution will be based on 10 years of nonhazardous service. You will receive $140.20 per month towards health insurance premiums.

If you are receiving a monthly retirement benefit, that qualifies you to receive a Health Insurance Percentage contribution and also receiving a monthly retirement benefit that qualifies you to receive a Health Insurance Dollar contribution, please contact the Retirement office for help calculating your cost.​

Calculating Your Insurance Cost if Your Participation Date is After 7/1/2003

Hazardous Formula:
Service Credit-Dollar Contribution Level Amount ($21.30*) x Years of Service = Amount KPPA Pays

Hazardous Example:
$21.30* x 10 (let's say you have 10 years of service for this example) = $213.00

Nonhazardous Formula:
Service Credit-Dollar Contribution Level Amount ($14.20**) x Years of Service = Amount KPPA Pays

Nonhazardous Example:
$14.20** x 10 (let's say you have 10 years of service for this example) = $142.00​​

Additional Resources

KEHP Prescription Drug Coverage
​KEHP Value Benefits for Diabetes, COPD, and Asthma
KEHP Diabetes B​enefits​​
KEHP Vendor ​Partners
Diabetes Preve​ntion
LiveHealth Online
Rethink Benefits
SmartShopper

Open Enrollment Hotline

1-888-581-8834 or 502-564-6534 
Service is only available  October 10-18, 2022

KEHP Vendor Contracts
BenefitVendorPhone NumberWebsite
Health Insurance BenefitsAnthem844-402-5347Anthem.com/KEHP
Prescription BenefitsCVS/Caremark866-601-6934Caremark.com
Well-being Information
WebMD Well-being
866-746-1316
KEHPLivingWell.com
Shopper DiscountsVitals SmartShopper855-869-2133SmartShopper.com
HRA Benefits
HealthEquity
877-430-5519
HealthEquity.com
 
Other Important Numbers and Websites
 
LiveHealthOnlineOnline Medical Psychology and Psychiatry888-548-3432Anthem.com/KEHP
24/7 Nurseline24/7 Nurseline877-636-3720
24/7 Substance Use Disorder telephone resource lineSubstance Use Disorder telephone resource line855-873-4931
Personal HealthPersonal Health Consultants844-402-5347
Behavioral

Rethink

800-714-9285Rethinkbenefits.com
Diabetes Prevention Program

Lark

 lark.com/anthem
Deferred Comp

KY Deferred Comp​

800-542-2667Kentuckyplans.com
 

​Retirement Systems' Phone Numbers

 
LRP and JRP Retiree Questions

Judicial Retirement Plan and
Legislators' Retirement Plan​

502-564-5310
KCTCS Retiree Questions

Kentucky Community and Technical College
System Retirement​

859-256-3100
KPPA Retiree Questions

​Kentucky Public Pensions Authority

800-928-4646
502-696-8800​
kyret.ky.gov
TRS Retiree Questions

Teachers' Retirement System​

800-618-1687
502-848-8500​
trs.ky.gov

​​KEHP Information

PY 2023 KEHP Legal Notice​​​

PY 2023 KEHP Tobacco Use Declaration

PY 2023​ KEHP Terms and Conditions


Connect With Us