Welcome
Helping you and your family reach and maintain good health is very important to USTA Kentucky. USTA Kentucky is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by USTA Kentucky. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
Overview
USTA Kentucky remains committed to providing a competitive, cost-effective benefit program.
Please review and sign your 2022 USTA Kentucky Annual Notices.
Enrollment
Action Required:
All elections must be submitted by 02/25/2022. The benefits you elect during open enrollment will be effective from 02/01/2022-01/31/2023.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
MEDICAL
United Healthcare will administer your medical and prescription drug benefits this year.
To find out if your provider is in-network, please visit the United Healthcare website below.
DENTAL
USTA Kentucky's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Dental Care Plus network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please visit the Dental Care Plus website below.
VISION
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
USTA Kentucky offers vision coverage through AVESIS to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the AVESIS Network.
To find out if your provider is in-network, please visit the AVESIS website below.
LIFE and AD&D & DISABILITY
USTA Kentucky provides you with Basic Life/AD&D coverage through Sun Life as well as Short- and Long-Term Disability through Guardian.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for Flat $20,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage through USTA Kentucky pays 60% of your income to a maximum of $500 per week.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a 90 day elimination period are are equal to 60% of covered monthly earnings up to $3,000 for full-time employees.
Please consult your Employee Benefits Guide and review the plan SBCs for additional details.
UNDERSTANDING YOUR BENEFITS
Plan Details
Please view the documents below for additional details on your 2022 benefits.
Contact Us
Client Contacts
Jason Miller
jmiller@ustaky.com
(502) 491-1290