Skilled nursing and residential care facilities in Kentucky
PlanOptica tracks 69 health and welfare plans sponsored by 53 skilled nursing and residential care facilities in Kentucky, covering 114,999 participants and $101M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 220 participants, and the most common size is under 100 participants (38% of plans). The funding mix is split: 59% of plans are self-funded or mixed and the rest are mainly fully insured.
Kaiser Foundation Health Plan, Inc leads by premium with a 33% share, followed by Metropolitan Life Insurance Company at 15%. McGriff Insurance Services is the broker of record on 7 plans, more than any other firm, ahead of Foundation Risk Partners, Corp (5). 62% of plans report broker compensation on Schedule A; the median brokered plan pays $39K a year, about 9.5% of premium. Louisville, Lexington and Richmond have the most plans.
Funding mix
- Fully insured28 · 41%
- Self-funded27 · 39%
- Mixed14 · 20%
Plan size (participants)
- Under 10026 · 38%
- 100 to 24911 · 16%
- 250 to 49917 · 25%
- 500 to 9995 · 7%
- 1,000 or more10 · 14%
Median plan: 220 participants. Median broker comp: 9.5% of premium across 43 brokered plans.
Top carriers, skilled nursing, Kentucky
- 1Kaiser Foundation Health Plan, Inc$33M2 plans · 32.6%
- 2Metropolitan Life Insurance Company$15M11 plans · 15.3%
- 3Delta Dental of Kentucky$12M16 plans · 12.2%
- 4Anthem Health Plans of KY, Inc$9.7M11 plans · 9.6%
- 5Guardian Life Insurance Company$8.6M4 plans · 8.5%
- 6Lincoln Financial Group$4.0M4 plans · 4.0%
- 7Hawaii Medical Service Association$3.7M3 plans · 3.7%
- 8Unitedhealthcare Insurance Company$2.1M3 plans · 2.1%
- 9Bluecross Blueshield of Michigan$1.6M2 plans · 1.6%
- 10United Healthcare Insurance Company$1.6M1 plans · 1.6%
Top brokers, skilled nursing, Kentucky
- 1McGriff Insurance Services7 plans$130K comp · 16.3%
- 2Foundation Risk Partners, Corp5 plans$86K comp · 11.6%
- 3Usi Insurance Services LLC4 plans$625K comp · 9.3%
- 4Assuredpartners4 plans$135K comp · 9.3%
- 5Houchens Insurance Group, Inc4 plans$104K comp · 9.3%
- 6Mercer Health and Benefits, LLC3 plans$1.3M comp · 7.0%
- 7Spetner Associates, Inc3 plans$444K comp · 7.0%
- 8Marsh & McLennan Agency, LLC3 plans$209K comp · 7.0%
- 9Benefit Insurance Marketing, Inc3 plans$117K comp · 7.0%
- 10Benefitstore, Inc3 plans$39K comp · 7.0%
Largest skilled nursing and residential care facilities in Kentucky
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Rescare, Inc. D/B/a Brightspring Health Services Brightspring Health Services Welfare Benefit PlanAll plans | Louisville | Fully insured | 41,936 | $29M | Delta Dental of California |
| Kindred Healthcare Operating, LLC Scionhealth Employee Medical and Welfare PlanAll plans | Louisville | Fully insured | 18,765 | $27M | Kaiser Foundation Health Plan Inc |
| Trilogy Management Services Trilogy Management Services,llc Employee Welfare Benefits PlanAll plans | Louisville | Mixed | 11,787 | $8.3M | The Guardian Life Insurance Company of America |
| Atria Senior Living, Inc Atria Senior Living, Inc. Welfare Benefit PlanAll plans | Louisville | Fully insured | 9,683 | $4.7M | Metropolitan Life Insurance Company |
| Stakeholder Payroll Services, LLC Stakeholder Payroll Services, LLC and Subsidiaries Health and Welfare Benefits PlanAll plans | Louisville | Mixed | 5,277 | $5.0M | The Lincoln National Life Insurance Company |
| Prestige Administrative Services LLC Prestige Administrative Services LLC Employee Benefit PlanAll plans | Louisville | Mixed | 4,986 | $2.4M | Delta Dental of California |
| Valley Stream Operator I LLC Dba Bluegrass Health Partners Bluegrass Health Partners Life Insurance PlanAll plans | Richmond | Fully insured | 3,238 | $452K | Life Insurance Company of North America |
| Atria Management Company, LLC Atria Senior Living, Inc. New York Exempt Short Term Disability PlanAll plans | Louisville | Fully insured | 1,736 | $190K | Metropolitan Life Insurance Company |
| Volare Health, LLC Volare Health, LLC Life & Disability PlanAll plans | Louisville | Fully insured | 1,324 | $33K | The Lincoln National Life Insurance Company |
| Medical Rehabilitation Centers, LLC Dba Exceptional Living Centers Medical Rehabilitation Centers, LLC Dba Exceptional Living Centers Welfare Benefit PlanAll plans | Lexington | Mixed | 769 | $516K | Life Insurance Company of North America |
| Masonic Homes of Kentucky, Inc Masonic Homes of Kentucky Group Medical PlansAll plans | Masonic Home | Mixed | 565 | $261K | Metropolitan Life Insurance Company |
| MHKY Management Services, LLC MHKY Management Services, LLC Group Medical PlansAll plans | Masonic Home | Mixed | 499 | $225K | Metropolitan Life Insurance Company |
| Winterwood, Inc Winterwood, Inc. Group Benefit PlanAll plans | Lexington | Fully insured | 470 | $2.4M | Anthem Life Insurance Company |
| The Home of the Innocents, Inc Home of the Innocents Premium Conversion PlanAll plans | Louisville | Mixed | 462 | $900K | Aetna Life Insurance Company |
| Grace Community Health Center, Inc Grace Community Health Center, Inc. Health and Welfare PlanAll plans | Corbin | Fully insured | 456 | $4.8M | Anthem Life Insurance Company |
Showing 15 of 53 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Kentucky
- Louisville33 plans · 104,805 participants
- Lexington6 plans · 1,457 participants
- Richmond5 plans · 5,943 participants
- Masonic Home2 plans · 1,064 participants
- London2 plans · 414 participants
- Covington2 plans · 142 participants
- Corbin1 plans · 456 participants
- Owensboro1 plans · 266 participants
- Elizabethtown1 plans · 234 participants
- Prospect1 plans · 108 participants
- Salem1 plans · 21 participants
- Danville1 plans · 17 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Kentucky offer an ERISA health plan?
69 health and welfare plans from 53 skilled nursing and residential care facilities in Kentucky appear in plan year 2024 to 2025 filings on Form 5500, covering 114,999 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most skilled nursing and residential care facilities in Kentucky?
By Schedule A premium: Kaiser Foundation Health Plan, Inc (33% of premium, 2 plans), Metropolitan Life Insurance Company (15% of premium, 11 plans) and Delta Dental of Kentucky (12% of premium, 16 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Kentucky?
By number of client plans: McGriff Insurance Services (7 plans), Foundation Risk Partners, Corp (5 plans) and Usi Insurance Services LLC (4 plans). 62% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Kentucky?
The median brokered plan reports $39K a year in broker commissions and fees, or 9.5% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Kentucky self-funded or fully insured?
Fully insured 41%, self-funded 39% and mixed 20%. Self-funded and mixed plans together make up 59%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Kentucky
Open the welfare search with Kentucky and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in Kentucky
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Kentucky.