OE Non-Medicare - Plan Year 2025

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​​​​Open Enrollment is October 1-31, 2024

​​What you Need to Know for 2025:

• Enrollment form not required: If you do not submit an enrollment form for 2025, you will be automatically enrolled in the same plan at the same level of coverage (e.g. single, parent plus, couple, or family) that you have in 2024.​ You do not have to enroll if you:​
  
  • Want to keep your current health insurance plan option and level and have no change in health insurance dependents;
  • Currently waive health insurance coverage and want to continue to do so;
  • Are a KPPA, TRS, or Legislative/Judicial return-to-work retiree under age 65 and want to keep your current health insurance plan with your employer.
    
• Open Enrollment is October 1-31, 2024: The same three health insurance plans are available again in 2025. Additionally, the LivingWell High Deductible Health Plan (HDHP) is offered next year.
  
• Your Cost for Coverage: Depending on your individual account, your cost may not increase. See below under Contribution Amounts.
  
• Hazardous Yearly Requirement: Hazardous members with insurance dependents have to complete a Form 6256​ every year. ​​Form 6256 can be submitted with your online enrollment, uploaded using the Documents feature in Self Service, or can be faxed or mailed to KPPA. The deadline is November 30, 2024. ​Read more below​​.
  
• ​LivingWell Promise Required: All plan holders who are 18 or older must fulfill the LivingWell Promise between January 1, 2025 - July 1, 2025 to earn premium discounts in 2026. Go to ​mycastlight.com/mybenefits​​​ to complete the online Health Assessment.
  
• Cross reference: The cross-reference option is only available for 2025 if you select it during Open Enrollment or if you currently cross reference and continue with the same plan and coverage next year. If you choose to enroll in a cross reference plan for 2025, you may submit your enrollment form online.
  
• What if me or my spouse is becoming Medicare Eligible (Turning Age 65) in 2025?: You will be notified via US Mail by KPPA about 6 weeks prior to the date of your Medicare eligibility. Detailed instructions on how to make this transition will be included with this mailing from KPPA or you may also view this short video on how this process works: KPPA and the Transition to Medicare​​
  

Enroll online at MYRETIREMENT.KY.GOV​: An online enrollment form is only required to make a change to your coverage for 2024.

Open Enrollment Hotline: 1-888-581-8834 or 502-564-6534

Service is available  October 7-25, 2024.

Questions about premiums or contributions: Call KPPA at 502-696-8800 or toll-free at 1-800-928-4646 from October 2 - October 31.

Please refer to our ​​Open Enrollment Book for additional information.

​​​​​​​​​​​​​​​​​​​Plan Information

• 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 check 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​.​​
  
• Retired members eligible for dollar contribution who do not elect coverage through KPPA may be eligible to have premiums reimbursed for insurance coverage under a non-KPPA plan. To learn more about this reimbursement program, read our FAQs​.​
  

LivingWell Promise Required

All plans require the completion of the LivingWell Promise. To fulfill the LivingWell Promise, all plan​ holders who are 18 or older must take the online Health Assessment at mycastlight.com/mybenefits​​ by July 1, 2026 or you will be responsible for paying an additional $40 LivingWell fee every month in 2026.​​

​​Hazardous Duty 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 2025​.​​​

2025 Premiums

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Plan Options

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Benefits Grid

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Contribution Amounts

To determine your cost for coverage, please refer to the worksheets below.

KPPA pays a percentage of the monthly contribution rate or a dollar amount toward insurance coverage for eligible retirees and beneficiaries. Any portion paid toward eligible spouse and dependent coverage is based on the member’s hazardous service credit.

​A percentage contribution is paid for members participating prior to July 1, 2003.

Hazardous Percentage Contribution Premium Calculation Worksheet​
Use this worksheet if you meet all of the following:

• You have hazardous service or combined hazardous and nonhazardous service.
• You are a retiree or a beneficiary receiving benefits.
• Your participation date with KPPA was prior to July 1, 2003.

Nonhazardous Percentage Contribution Premium Calculation Worksheet​
Use this worksheet if you meet all of the following:

• You have nonhazardous service.
• You are a retiree or a beneficiary* receiving benefits.
• Your participation date with KPPA was prior to July 1, 2003.

A dollar amount is paid for members participating July 1, 2003 and after, and the retired member must meet service requirements to be eligible for insurance benefits.

Dollar Contribution Premium Calculation Worksheet​
Use this worksheet if you meet all of the following:

• You have hazardous and nonhazardous service.
• You are a retiree or a beneficiary* receiving benefits.
• Your participation date with KPPA is between July 1, 2003 and August 31, 2008. You must have a minimum of 120 months of service to be eligible for insurance benefits, OR
• Your participation date with KPPA is on or after September 1, 2008. You must have a minimum of 180 months of service to be eligible for insurance benefits.
• If you have hazardous and nonhazardous service, you will receive contribution based on full years of service for each. If you have partial years of service, please contact KPPA.

*KPPA does not pay a contribution for coverage on behalf of a beneficiary. Exception: If you are​ a spouse beneficiary or a dependent child receiving a monthly benefit under the Fred Capps Memorial Act, contact KPPA.

​Current Dollar Contribution

​	​N​onhazardous	​Hazardous
​Monthly Contribution	​$14.63 $10 per month for each year of service*	​​​$21.94 $15 per month for each year of service*​​

​​​​​​*The dollar contribution increased on July 1 by 1.5%.

Dollar Contribution Formula:

Dollar Contribution Amount x Years of Service = Amount KPPA pays each month.

Hazardous Example:

If you began participating September 1, 2003 in a nonhazardous position and retired effective October 1, 2013, you would receive $219.40 per month towards health insurance premiums.

$21.94 x 10 years of service = $219.40

Nonhazardous Example:

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.

$14.63 x 10 years of service = $146.30

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

For example, if you participated in a nonhazardous position from September 1, 2003 to September 30, 2008, KPPA would pay $73.15 toward your coverage ($14.63 x 5 years of service = $73.15). If you also participated in a hazardous position from October 1, 2008 to October 1, 2013, KPPA would pay an additional $109.70 toward your coverage ($21.94 x 5 years of service = $109.70).

In this example KPPA would pay a total of $182.85 per month towards your health insurance coverage
($73.1​5 + $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 of nonhazardous service credit for contribution purposes.

For example 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 need assistance determining your cost for coverage, please contact KPPA at 1-800-928-4646.