Medical Coverage
We offer medical coverage through PPO, ULH, and CDHP plans, giving employees flexible options to fit their healthcare needs and budgets.
Sidebar
All three medical plans offered by UofL:
- Have access to the same network of providers (Anthem)
- Provide access to the same types of care
- Cover in-network preventive care at 100% (such as physicals, well child visits, routine immunizations, mammograms and more)
- Have a deductible, coinsurance and out-of-pocket maximum
- Allow you to receive a $40 monthly incentive if you participate in the Get Healthy Now wellness program.
- Regardless of your plan, we encourage you to establish a relationship with a primary doctor to help manage your health.
Choosing your medical plan is a big decision. We’re here to support you. As you review your options, consider these questions:
- Would I rather pay more out of my paycheck for coverage in order to pay less at the point of care or vice versa?
- Do I expect any large medical expenses (e.g., birth of a child, chronic medical condition, planned surgery, ongoing medical treatments)?
- Would I be interested in using a Health Savings Account (HSA) to help pay for health care expenses?
- Would I be interested in a medical plan that allows me a $0 deductible, $0 copay for a doctor’s office visits and fixed copays
PAYCHECK DEDUCTIONS | PLAN | OUT-OF-POCKET COSTS |
|---|---|---|
$$$ | PPO | $ |
$$ | ULH | $$ |
$ | CDHP | $$$ |
Decision Pathways Tool Can Help with Your Decision
- All plans have their advantages, but the one that’s right for you will depend on your unique health and financial priorities and needs.
- The Decision Pathways tool can help you in your decision-making process. It asks you simple questions and presents the option that might be right for you. The information you provide is not tracked or shared with UofL.
Explore University Medical Plan Options
Preferred Provider Organization (PPO)
A PPO plan offers flexibility by allowing members to see any healthcare provider without a referral, with lower costs when using in-network providers.
University of Louisville Health (ULH)
The University of Louisville Health Plan (ULH) will keep your out-of-pocket medical expenses down when you use UofL providers.
Consumer Driven Health Plan (CDHP)
A Consumer-Directed Health Plan (CDHP) is a type of health insurance plan that combines a high-deductible health plan (HDHP) with a tax-advantaged account, such as a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA).
Notice of Health Information Privacy Practices
UofL Personal Health Information Privacy Notice
The University of Louisville Employee Health Plan has always been committed to maintaining the confidentiality of the personal health information it receives about employees like you.