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OE Non Medicare - Plan Year 2022

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Open Enrollment

​​Open enrollment for Plan Year 2022 runs from October 1, 2021 through October 31, 2021.

We invite you to use our online resources for your enrollment questions. Visit kyret.ky.gov, or call us at 800-928-4646. Virtual counseling is an option and available by appointment.

Information about 2022 Open Enrollment can be found in our Plan Year 2022 Open Enrollment booklet​. You can watch a video about Open Enrollment by visiting the Videos page​ in our Retiree Outreach section, or by clicking here​.​​


​​​If you have other questions, visit our Contact page or email us at kppa.mail@kyret.ky.gov.​

>>>This is not a mandatory enrollment.<<<

If you do not complete an enrollment form for 2022, you will be automatically enrolled in the same plan at the same cov​erage level you have in 2021.

You DO NOT have to enroll if you:

  • Want to keep your current health insurance plan option, level, and have no change in health insurance dependents.
  • Currently waive health insurance coverage and want to continue to waive health insurance coverage.
  • Are a KPPA, TRS, or Legislative/Judicial Form Retirement System return-to-work retiree under age 65 and want to keep your current health insurance plan with your employer.

You DO have to enroll if you want to:

  • Change your health insurance plan option, level, or health insurance dependents.
  • If you are currently enrolled in a health insurance plan in 2021 and would like to waive your coverage in 2022.

Webinars

We are offering a series of live webinars featuring information about Plan Year 2022 Open Enrollment for Non-Medicare retirees. visit our Webinars ​page to see webinar dates and to register. The page also includes a recorded version of the informational presentation.​

​Plan Information

Click here​ or on the image below to see a presentation from our October 13 webinar on Retiree Health Care Medicare Plans and Non-Medicare Plans.

​​

Plan Options

Health insurance plan options for Plan Year 2022 are the same as they were for Plan Year 2021. There is an approximately 3% premium increase for PY 2022 for all plans offered. Depending on your individual account, your cost may not increase. Please refer to the Premium Calculation Worksheets for Nonhazardous and Hazardous Members to determine your cost for 2022.

Additionally, you can consult the PY 2022 Benefits Grid Comparison View​ by clicking on the image below to help compare the costs and benefits of the various plans.


Hazardous Duty Retiree: Yearly Requirement

Hazardous duty retirees MUST submit a Form 6256 - Designation of Spouse and/or Dependent Child for Health Insurance . See FAQ's. 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 2022​.​

2022 LivingWell Promise

All plans require a LivingWell Promise for 2022, don’t forget to take your Biometric Screening or online Health Assessment from January 1 through July 1. Please note that new retirees after July 1 have 90 days to complete the Promise.

If you enrolled in a LivingWell Plan option for 2021 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 2022.

Take the LivingWell Promise

If you fail to complete your promise in 2022​ you will be responsible for paying the $40 per month for the 2022 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).​

​Other Information

  • No Dental or Vision coverage is available for Non-Medicare Retirees through Anthem; however, please see optional available coverage by visiting the Vision and Dental section of our Books and Guides page​.
  • New Anthem​ insurance cards will be mailed to everyone this year. HRA Visa debit cards (HealthEquity / WageWorks) will only be mailed if the current card is expired. Please see your current Visa debit card for the expiration date.

Members with Participation Date Prior to July 1, 2003

In order to determine your cost for coverage in 2021, please refer to the guides below.​

2022 Nonhazardous Duty Retiree/Percentage Contribution
Months of ServiceContribution
240+ months or more - Contribution based on Plan selected

​LivingWell CDHP $750.30​
LivingWell PPO $772.16
​LivingWell Limited High ​Deductible​ Plan $642.02
LivingWell Basic CDHP $721.54

180-239 months

​$579.12

120-179 months

​$386.08

48-119 months

​$193.04

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.​

​​

2022 Hazardous Duty Retiree/Percentage Contribution
Months of ServiceContribution
240+ months or more - Contribution based on Plan selected$772.16
180-239 months$579.12
120-179 months$386.08
48-119 months$193.04
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.

2022 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$328.92$919.48$1,111.44$1,087.24
180-239 months$246.69$689.61$833.58$815.43
120-179 months$164.46$459.74$555.72$543.62
48-119 months$82.23$229.87$277.86$271.81
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****

Regardless of the amount of service, type of service, or plan chosen, the member will pay the fee of $40.00 for a single plan and $80.00 for a Parent Plus, Couple, or Family Plan based on the Tobacco Status in Table Four.​

LIVINGWELL PROMISE NOTICE:​

Regardless of the amount of service, type of service, or plan chosen, the plan holder will pay the fee of $40.00 (LivingWell Promise fee) if they failed to complete the LivingWell Promise in 2021.

Dollar Contribution Rates Plan Year 2022

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 $13.99 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 $139.90 per month towards health insurance premiums.

For service in a hazardous position, you will receive a monthly contribution of $20.99 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 $209.90 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 $13.99 = $69.95), and then began participating October 1, 2008 in a hazardous position, and retired effective November 1, 2013 (5 years x $20.99= $104.95), you will receive $174.90 per month towards health insurance premiums ($69.95 + $104.95 = $174.90).

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 $139.90 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 ($20.99*) x Years of Service = Amount KPPA Pays

Hazardous Example:
$20.99* x 10 (let's say you have 10 years of service for this example) = $209.90

Nonhazardous Formula:
Service Credit-Dollar Contribution Level Amount ($13.99**) x Years of Service = Amount KPPA Pays

Nonhazardous Example:
$13.99** x 10 (let's say you have 10 years of service for this example) = $139.90​​


Tobacco User Fees

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 as discussed below. 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.

You should add either $40.00 or $80.00 to the premium amounts for your level of coverage.​

Additional Resources

KEHP Prescription Drug Coverage
​KEHP Value Benefits for Diabetes, COPD, and Asthma
KEHP Diabetes Benefits​​
KEHP Vendor ​Partners
Diabetes Prevention
LiveHealth Online
Rethink Benefits
SmartShopper​​​

KEHP Vendor Contacts
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 2022 KEHP Legal Notice​​​

PY 2022 KEHP Tobacco Use Declaration

PY 2022 KEHP Terms and Conditions


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