2025 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 don't 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%.​
  

• Carrum Health
• HingeHealth
• LivingWell Health Clinics
• LiveHealth Online
• UK Acupuncture​
  

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