Attention KPPA Medical Only Plan Participants
Beginning January 1, 2025, Humana has partnered with Personify Health to administer your Medical Only plan benefits on behalf of KPPA.
Personify Health will be taking over the benefit administration of your KPPA Medical Only plan effective 1/1/2025.
There are no changes to your benefits or the toll-free number you call today with questions.
Personify Health has worked closely with Humana and KPPA to ensure you continue to receive the benefits and services you have come to expect.
You will receive your new Health Plan ID card(s) in the mail shortly.
Your identification card contains important telephone numbers and claim submission instructions. Your ID card should be presented to your healthcare providers at the time services are received.
If you have any questions regarding your identification card or if you would like to order additional cards, please call
(855) 267-1935 and choose option 1 to speak with a Member Services representative about your 2025 plan. For your convenience, you may also access a digital version of your identification card at
login.personifyhealth.com.
Hazardous Duty Retiree: Yearly Requirement
HAZARDOUS DUTY RETIREES WITH HEALTH INSURANCE DEPENDENTS MUST FILE A FORM 6256 EVERY YEAR, EVEN IF THE OPEN ENROLLMENT IS NOT MANDATORY. To learn more, and to also read about children eligible for coverage and premium contributions, please
click here.
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 2025.
Example: If you submit the form June 3, 2025, you will receive reimbursement for March - May 2025.
2025 Humana Highlights
Dental Coverage
An additional preventative dental benefit is still included for individuals enrolled in the Medicare Advantage Premium and Medicare Advantage Essential plans for 2025. Learn about dental coverage.
WHERE CAN I FIND MORE INFORMATION?
Note: The Humana Medicare Employer PPO plans (Essential, Premium) are Medicare Advantage plans. You must have Medicare Parts A and B. If you do not have Medicare Part B, you cannot be enrolled in the Medicare Advantage plan. Instead, you will be defaulted to the KPPA-Medical Only plan (or another plan offered by KPPA) and your premium amount may be higher. Please contact KPPA if you have questions. For example if you have 240 months (100%) of Service Credit Contribution (and you are not enrolled in Medicare Part B) and you elect the KPPA Premium Plan you would still have an additional premium payment of $154.93.
2025 Medicare Plans/Premium Contributions
Available Plans | Monthly Premium |
Medical Only | $191.95 |
KPPA Essential | $0.00 |
KPPA Premium | $144.91 |
2025 What KPPA Pays Toward Your Premium/Percentage Contribution
Service Credit | % of Contributions Rate Paid by KPPA | Amount Paid by KPPA |
240 months or more | 100% | $191.95 |
180-239 months | 75% | $143.96 |
120-179 months | 50% | $95.98 |
48-119 months | 25% | $47.99 |
0-47 months | 0% | $0.00 |
Dollar Contribution Rates Plan Year 2025
Effective January 1, 2025, individuals with the Dollar Contribution benefit for health insurance (retirees hired on or after July 1, 2003), are allowed to seek reimbursement from KPPA for health insurance coverage outside of KPPA insurance plans.
Example: You would be required to submit the Form 6280 - Application for Dollar Contribution Reimbursement for Medical Insurance and either Form 6281 - Employer Certification of Health Insurancefor Dollar Contribution Reimbursement Plan or Form 6242 - Insurance Agent/Company Certification of Health Insurance for Health Insurance Reimbursement Plan. These forms, in addition to any required documentation, should be submitted in April 2025 for the months of January 1, 2025 - March 31, 2025. Review the Form 6280 instructions carefully to determine what forms and documentation are required for your situation.
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 $14.63 for each year of service per month. The Dollar Contribution increased 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 $146.30 per month towards health insurance premiums.
For service in a hazardous position, you will receive a monthly contribution of $21.94 for each year of service per month. The Dollar Contribution increased 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 $219.40 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 $14.63 = $73.15), and then began participating October 1, 2008 in a hazardous position, and retired effective November 1, 2013 (5 years x $21.94= $109.70), you will receive $182.85 per month towards health insurance premiums ($73.15 + $109.70 = $182.85).
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 $146.30 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.
How to Calculate your insurance cost if your participation date is after 7/1/2003
Hazardous Formula:
Service Credit-Dollar Contribution Level Amount ($21.94*) x Years of Service = Amount KPPA Pays
Hazardous Example:
$21.94* x 10 (let's say you have 10 years of service for this example) = $219.40
Nonhazardous Formula:
Service Credit-Dollar Contribution Level Amount ($14.63**) x Years of Service = Amount KPPA Pays
Nonhazardous Example:
$14.63** x 10 (let's say you have 10 years of service for this example) = $146.30
Medicare Secondary Payer
Please be advised that under the Medicare Secondary Payer Act (MSPA), in certain circumstances, a Medicare-eligible retiree's reemployment with a participating agency of the systems operated by the Kentucky Public Pensions Authority (KPPA) will prevent KPPA from offering enrollment into the KPPA Medicare Advantage Plan. However, Medicare-eligible retirees who are not able to enroll in the KPPA Medicare Advantage Plan may be eligible for enrollment in a plan designed for retirees affected by the MSPA effective October 1, 2022. If you have any questions about the health insurance options offered for retired members who are reemployed full-time with a participating employer, you may submit your questions in writing via email at kppa.mail@kyret.ky.gov. For questions about that, and all other questions about health insurance coverage offered through KPPA, you may also contact our office at (502) 696-8800 or 1-800-928-4646.
Humana Wellness Programs for Medicare Eligible Retirees
Please contact Humana for information about these programs. 1-855-267-1935 (TTY: 711)
Silver Sneakers can help you get fit the way you want by providing you access to fitness locations nationwide. Only retirees enrolled in the Medicare Advantage Essential or Premium plans may take advantage of the Silver Sneakers benefit.