Choose the medical insurance plan that's right for you
NCS offers three tiers of medical insurance coverage. These options are tailored to meet a range of medical needs and budgets.
OPTIONS
LivingWell CDHP
The Livingwell CDHP offers lower premiums and provides money in an HRA to help reduce deductible costs.
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Best value of the plans offered by KEHP.
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Recommended for those who have a little or a lot of healthcare expenses.
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Both medical and pharmacy expenses apply to the out-of-pocket maximum.
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Once out-of-pocket maximum is met, covered medical and pharmacy claims paid at 100%.
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More LivingWell CDHP details on the KEHP homepage
LivingWell PPO
Designed for those willing to pay more in premiums to limit out-of-pocket costs to a co-payment for certain services.
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Co-pays apply to doctor’s office visits, allergy serum, allergy shots, urgent care centers and non-specialty prescriptions.
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Most expenses are subject to the deductible and then covered at 75%.
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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.
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Some services will always have co-pays, even after meeting deductible and out-of-pocket maximum.
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More LivingWell PPO details on the KEHP homepage
LivingWell Basic CDHP
Basic health insurance coverage and lower premiums, with an HRA to help reduce deductible.
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Basic coverage for a very low premium.
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Pay 30% for covered services after meeting deductible.
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Both medical and pharmacy expenses apply to the out-of-pocket maximum.
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Once out-of-pocket maximum is met, covered medical and pharmacy claims will be paid at 100%.
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More LivingWell Basic CDHP details on the KEHP homepage
LivingWell High Deductible Health Plan (HDHP)
Lower premiums in exchange for higher out-of-pocket costs
- Catastrophic-type of health plan
- Recommended for those who expect to have lower overall healthcare expenses and only need preventive care
- If you have a Health Savings Account (HSA), you can use it with this plan
- All covered services, except for qualified preventive care are subject to the deductible
- Many complementary benefits offered under the other three health plan options are not covered under the HDHP (Carrum Health, HingeHealth, LivingWell Health Clinics, LiveHealth Online, UK Acupuncture)
- More LivingWell HDHP details on the KEHP homepage