Under 65 Retirees
Open Enrollment for Plan Year 2027 runs Monday, October 5, 2026, through Monday, October 26, 2026. Any changes made will take effect on January 1, 2027.
Open Enrollment for Plan Year 2027 is mandatory for retirees under age 65 enrolled in KCTCS retiree health coverage. During Open Enrollment, retirees must review their benefit options and coverage information for the upcoming plan year. If no changes are made, current benefit elections will automatically roll over to Plan Year 2027.
health plans
As you prepare for Plan Year 2027, we encourage you to take a few moments to review your health coverage options and plan updates. Retirees who complete the LivingWell Promise will continue to receive retiree-only coverage at no cost through funding provided by the KCTCS OPEB Trust. If you cover eligible dependents, please note that dependent premium rates will increase for 2027.
There are also a few updates to prescription drug coverage, including changes to prescription drug deductibles and out-of-pocket maximums. Be sure to review the plan materials for details so you can better understand how these changes may affect your prescription drug costs in the coming year.
2027 KCTCS Retirees Under 65
Monthly Health Plan Premiums
| Plan | Single | Parent Plus | Couple | Family | Family Cross-Reference |
|---|---|---|---|---|---|
| LivingWell CDHP | $0.00 | $413.06 | $1,127.56 | $1,384.18 | $168.42* |
| LivingWell PPO | $0.00 | $434.60 | $1,202.40 | $1,427.64 | $206.76* |
| LivingWell Basic CDHP | $0.00 | $418.12 | $1,169.82 | $1,420.90 | $199.72* |
| LivingWell HDHP | $0.00 | $387.96 | $1,085.94 | $1,319.04 | $183.82* |
| Plan | Single | Parent Plus | Couple | Family | Family Cross-Reference |
|---|---|---|---|---|---|
| LivingWell CDHP | $40.00 | $453.06 | $1,167.56 | $1,424.18 | $208.42* |
| LivingWell PPO | $40.00 | $474.60 | $1,242.40 | $1,467.64 | $246.76* |
| LivingWell Basic CDHP | $40.00 | $458.12 | $1,209.82 | $1,460.90 | $239.72* |
| LivingWell HDHP | $40.00 | $427.96 | $1,125.94 | $1,359.04 | $223.82* |
Dental Plans
Good news! There are no changes to Delta Dental plan options, benefits, or premium rates for 2027. Retiree-only dental coverage will continue to be provided at no cost through funding from the KCTCS OPEB Trust, and dependent coverage remains available at the applicable premium rates.
We encourage you to review your options during Open Enrollment and choose the coverage that's right for you.
2027 KCTCS Retirees Under 65
| Plan | Coverage Level | Premium |
|---|---|---|
| Delta Dental Low Plan Retirees under 65 |
Retiree | $0.00 |
| Retiree & One | $15.20 | |
| Retiree & Family | $35.89 | |
| Retirees 65+ / Spouse under 65 | Spouse Only | $16.52 |
| Spouse & Child | $31.72 | |
| Spouse & Children | $52.41 | |
| Delta Dental Mid Plan Retirees under 65 |
Retiree | $0.00 |
| Retiree & One | $19.56 | |
| Retiree & Family | $48.90 | |
| Retirees 65+ / Spouse under 65 | Spouse Only | $21.28 |
| Spouse & Child | $40.84 | |
| Spouse & Children | $70.18 | |
| Delta Dental High Plan Retirees under 65 |
Retiree | $0.00 |
| Retiree & One | $29.49 | |
| Retiree & Family | $72.82 | |
| Retirees 65+ / Spouse under 65 | Spouse Only | $30.82 |
| Spouse & Child | $60.31 | |
| Spouse & Children | $103.64 |
- Delta Dental Plan Comparison Grid
- Delta Dental Low Plan Summary
- Delta Dental Mid Plan Summary
- Delta Dental High Plan Summary
Vision Plans
Good news! There are no changes to the Delta Vision plan options, benefits, or premium rates for 2027. Retiree-only vision coverage will continue to be provided at no cost through funding from the KCTCS OPEB Trust, and dependent coverage remains available at the applicable premium rates.
We encourage you to review your coverage during Open Enrollment to ensure it continues to meet your needs.
2027 KCTCS Retirees Under 65
| Plan | Coverage Level | Premium |
|---|---|---|
| Delta Vision 130 Retirees under 65 |
Retiree | $0.00 |
| Retiree & Spouse | $6.30 | |
| Retiree & Child(ren) | $7.19 | |
| Retiree & Family | $15.25 | |
| Retirees 65+ / Spouse under 65 | Spouse Only | $6.30 |
| Spouse & Child(ren) | $13.49 | |
| Delta Vision 175 Retirees under 65 |
Retiree | $0.00 |
| Retiree & Spouse | $11.67 | |
| Retiree & Child(ren) | $13.31 | |
| Retiree & Family | $28.24 | |
| Retirees 65+ / Spouse under 65 | Spouse Only | $11.67 |
| Spouse & Child(ren) | $24.98 |
Enrollment Forms
For the fastest service, please email your completed enrollment forms to employeebenefits@kctcs.edu by October 26, 2026. If you prefer to mail your forms, please send them to:
KCTCS Benefits
300 N. Main Street
Versailles, KY 40383
To be considered timely, emailed forms must be received by October 26, 2026, and mailed forms must be postmarked no later than October 26, 2026.
- 2027 Retiree Health Plan Enrollment Form
- 2027 Retiree Dental and Vision Enrollment Form
- 2027 Retiree SPOUSE Dental and Vision Enrollment Form
Billing
KCTCS partners with WEX Health, Inc. for retiree benefits billing. If you make changes to your coverage during Open Enrollment, your billing amount will automatically be updated based on the plan(s) and coverage level you elect. Updated premium amounts will be reflected beginning with your January 2027 billing statement. Please review your billing statements to confirm your coverage and premium amounts are correct.
Need help with your bill? WEX Participant Services is happy to assist with questions about billing, payments, or your account. Contact them at (866) 451-3399 during business hours (Monday through Friday, 6 a.m. to 9 p.m. Central time).
