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2026 LivingWell HDHP

 

The LivingWell High Deductible Health Plan (HDHP) allows you to pay lower premiums in exchange for highe​r out-of-pocket costs.

    • This is a catastrophic-type of health plan.
    • It is 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. HSAs are not available through KEHP.
    • You do not have to have an HSA to elect this plan.
    • All covered services, except for qualified preventive care are subject to the deductible.
    • Unlike​ other KEHP plan offerings, the HDHP does not have separate single and family deductibles accumulating simultaneously; only one deductible will apply (“single" if single-only coverage or the higher “family" deductible if any other option is elected).
    • Once you meet the deductible, the plan will pay 70% of covered expenses and you will pay a 30% co-insurance.
    • Both your medical and pharmacy expenses apply to the deductible and the maximum out-of-pocket.
    • Once your maximum out-of-pocket is met, your covered medical and pharmacy claims will be paid at 100%.​

​Some complementary benefits offered under the other three health plan options are not covered under the HDHP, including: 

    • Carrum Health
    • LivingWell Health Clinics
    • UK Acupuncture​

However, some of the above services may be available to you once your deductible for the plan year is met.​​


Drug Cost Finder

Click here to see the actual cost of your prescription(s) from a participating pharmacy of your choice. In the LivingWell Basic HDHP, once you have met your annual deductible, the plan pays 70% and you are responsible for the remaining 30%. You may receive a 30-day or 90-day supply at any participating retail pharmacy, or a 90-day supply through CVS mail order program.​​