​​​​​​​​​​​​​​​​ Home > Open Enrollment > OE-LivingWell CDHP

2025 LivingWell CDHP

 

Do you want to pay lower premiums and receive money in an HRA to help reduce your deductible? The LivingWell CDHP may be the plan for you. t’s the best value of the plans offered by KEHP.

            • It is recommended for those who have a little or a lot of healthcare expenses.
            • All covered services, except for certain items like preventive care and a few specific prescriptions, are subject to the deductible.
            • Once you meet the deductible, the plan will pay 80% of covered expenses and you will pay a 20% 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%.​​

You will receive HRA funds through a HealthEquity debit VISA Healthcare Card.

            • The card is pre-funded with $500 if you have single coverage, or $1,000 if you have couple, parent-plus, or family coverage levels.
            • Use the HRA funds to help pay for your co-insurance, which reduces your deductible.
            • Use this card at your doctor's office, hospital, or pharmacy. Simply swipe the card to help pay for your eligible expenses, which will be deducted from your card balance.
            • Your HRA funds may roll over to a subsequent year, up to a maximum of $7,500. will receive HRA funds through a HealthEquity debit VISA Healthcare Card.​​​

How the HRA works

            • ​You will receive a HealthEquity® debit VISA Healthcare card that is pre-funded with $500 if you have single coverage or $1,000  if you have couple, parent plus, or family coverage levels.
            • Use the HRA to help pay for covered expenses, which reduces your deductible.
            • Use this card at your doctor's office, hospital, or pharmacy. Simply swipe the card to help pay for your eligible expenses which will be deducted from your card balance.
            • You can also use this card to pay for eligible vision and dental expenses; these expenses do not reduce your deductible.​

Drug Cos​t Finder

Click here to see the actual cost of your prescription(s) from a participating pharmacy of your choice. In the LivingWell CDHP, once you have met your annual deductible, the plan pays 80% and you are responsible for the remaining 20%. 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.