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
If you have other questions, visit our Contact page or email us at firstname.lastname@example.org.
>>>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 coverage 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.
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.
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.
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
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.
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).
- 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.
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 Service||Contribution
|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
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 Service||Contribution
|240+ months or more - Contribution based on Plan selected||$772.16
Children Eligible for Coverage and Premium Contributions
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 Service||Amount KPPA Pays Toward Parent Plus||Amount KPPA Pays Toward Couple Plan||Amount KPPA Pays Toward Family Plan||Amount KPPA Pays Toward Family X-Ref***
**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
Service Credit-Dollar Contribution Level Amount ($20.99*) x Years of Service = Amount KPPA Pays
$20.99* x 10 (let's say you have 10 years of service for this example) = $209.90
Service Credit-Dollar Contribution Level Amount ($13.99**) x Years of Service = Amount KPPA Pays
$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.
KEHP Prescription Drug Coverage
KEHP Value Benefits for Diabetes, COPD, and Asthma
KEHP Diabetes Benefits
KEHP Vendor Partners
KEHP Vendor Contacts
|Health Insurance Benefits||Anthem||844-402-5347||Anthem.com/KEHP
|Shopper Discounts||Vitals SmartShopper||855-869-2133||SmartShopper.com
Other Important Numbers and Websites
|LiveHealthOnline||Online Medical Psychology and Psychiatry||888-548-3432||Anthem.com/KEHP
|24/7 Nurseline||24/7 Nurseline||877-636-3720||
|24/7 Substance Use Disorder telephone resource line||Substance Use Disorder telephone resource line||855-873-4931||
|Personal Health||Personal Health Consultants||844-402-5347||
|Diabetes Prevention Program|| ||lark.com/anthem
Retirement Systems' Phone Numbers
|LRP and JRP Retiree Questions|
Judicial Retirement Plan and
Legislators' Retirement Plan
|KCTCS Retiree Questions|
Kentucky Community and Technical College
|KPPA Retiree Questions|
Kentucky Public Pensions Authority
|TRS Retiree Questions|
Teachers' Retirement System
PY 2022 KEHP Legal Notice
PY 2022 KEHP Tobacco Use Declaration
PY 2022 KEHP Terms and Conditions