Veterinary practices in Kentucky
PlanOptica tracks 55 health and welfare plans sponsored by 55 veterinary practices in Kentucky, covering 1,080 participants and $4.7M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 3 participants, and the most common size is under 100 participants (95% of plans). Most of these plans are self-funded or mixed (96%), so stop-loss and TPA relationships matter as much as the medical carrier.
Anthem Health Plans of Kentucky, Inc dominates premium with a 57% share, followed by Bluecross Blueshield of Illinois at 13%. Marsh & McLennan Agency LLC is the broker of record on 2 plans, more than any other firm, ahead of Hub International Midwest Ltd (1). 5% of plans report broker compensation on Schedule A; the median brokered plan pays $95K a year, about 7.0% of premium. Lexington, Louisville and Bowling Green have the most plans.
Funding mix
- Self-funded52 · 95%
- Fully insured2 · 4%
- Mixed1 · 2%
Plan size (participants)
- Under 10052 · 95%
- 100 to 2491 · 2%
- 250 to 4992 · 4%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 3 participants. Median broker comp: 7.0% of premium across 3 brokered plans.
Top carriers, veterinary, Kentucky
- 1Anthem Health Plans of Kentucky, Inc$2.7M1 plans · 57.1%
- 2Bluecross Blueshield of Illinois$599K1 plans · 12.8%
- 3United Agricultural Employee Welfare Benefit Plan & Trust$521K1 plans · 11.2%
- 4Delta Dental of Kentucky$228K2 plans · 4.9%
- 5Unum Life Insurance Company of America$218K1 plans · 4.7%
- 6Metropolitan Life Insurance Company$186K1 plans · 4.0%
- 7Guardian Life Insurance Company of America$138K1 plans · 3.0%
- 8Health Plan of Nevada/Sierra Health & Life$96K1 plans · 2.1%
- 9Ameritas Life Insurance Corp$17K1 plans · 0.4%
Top brokers, veterinary, Kentucky
- 1Marsh & McLennan Agency LLC2 plans$64K comp · 66.7%
- 2Hub International Midwest Ltd1 plans$88K comp · 33.3%
- 3McGriff Insurance Services LLC1 plans$33K comp · 33.3%
- 4Mercer Health & Benefits1 plans$29K comp · 33.3%
- 5The Benefit Company Inc1 plans$12K comp · 33.3%
- 6James R Nelligan & Associates LLC1 plans$7K comp · 33.3%
Largest veterinary practices in Kentucky
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Rood, Riddle & Partners, PSC Rood, Riddle & Partners, PSC Welfare Benefits PlanAll plans | Lexington | Fully insured | 397 | $3.0M | Anthem Life Insurance Company |
| Team Togo LLC Dba PETVET365 PETVET365 Health and Welfare PlanAll plans | Lexington | Mixed | 268 | $320K | Unum Life Insurance Company of America |
| Altano, U.S., LLC Altano, U.S., LLC Health and Benefit Welfare PlanAll plans | Lexington | Fully insured | 206 | $1.4M | Blue Cross of California |
| West Liberty Vet Clinic West Liberty Vet Clinic CBS Benefit PlanAll plans | West Liberty | Self-funded | 19 | - | - |
| Elizabethtown Animal Hospital Elizabethtown Animal Hospital CBS Benefit PlanAll plans | Elizabethtown | Self-funded | 15 | - | - |
| Park Equine Hospital Park Equine Hospital CBS Benefit PlanAll plans | Versailles | Self-funded | 11 | - | - |
| Central Kentucky Animal Central Kentucky Animal CBS Benefit PlanAll plans | Bardstown | Self-funded | 11 | - | - |
| Scott County Vet Clinic Scott County Vet Clinic CBS Benefit PlanAll plans | Georgetown | Self-funded | 9 | - | - |
| Bowling Green Veterinary Emergency Clinic Bowling Green Veterinary Emergency Clinic CBS Benefit PlanAll plans | Bowling Green | Self-funded | 9 | - | - |
| Equine Analysis Systems Equine Analysis Systems CBS Benefit PlanAll plans | Midway | Self-funded | 8 | - | - |
| Nicholasville Road Animal Hospital Nicholasville Road Animal Hospital CBS Benefit PlanAll plans | Lexington | Self-funded | 8 | - | - |
| Dogwood Veterinary Clinic Dogwood Veterinary Clinic CBS Benefit PlanAll plans | Prospect | Self-funded | 8 | - | - |
| Meade County Vet Meade County Vet CBS Benefit PlanAll plans | Brandenburg | Self-funded | 8 | - | - |
| Middendorf Animal Hospital & Laser Center Middendorf Animal Hospital & Laser Center CBS Benefit PlanAll plans | Florence | Self-funded | 7 | - | - |
| Southcentral Veterinary Services Southcentral Veterinary Services CBS Benefit PlanAll plans | Bowling Green | Self-funded | 6 | - | - |
Showing 15 of 55 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Kentucky
- Lexington15 plans · 908 participants
- Louisville4 plans · 4 participants
- Bowling Green3 plans · 16 participants
- Bardstown2 plans · 13 participants
- Walton2 plans · 9 participants
- Burlington2 plans · 7 participants
- Russellville2 plans · 5 participants
- Somerset2 plans · 4 participants
- Danville2 plans · 0 participants
- West Liberty1 plans · 19 participants
- Elizabethtown1 plans · 15 participants
- Versailles1 plans · 11 participants
Frequently asked questions
How many veterinary practices in Kentucky offer an ERISA health plan?
55 health and welfare plans from 55 veterinary practices in Kentucky appear in plan year 2024 to 2025 filings on Form 5500, covering 1,080 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 veterinary practices in Kentucky?
By Schedule A premium: Anthem Health Plans of Kentucky, Inc (57% of premium, 1 plan), Bluecross Blueshield of Illinois (13% of premium, 1 plan) and United Agricultural Employee Welfare Benefit Plan & Trust (11% of premium, 1 plan).
Which benefits brokers work with veterinary practices in Kentucky?
By number of client plans: Marsh & McLennan Agency LLC (2 plans), Hub International Midwest Ltd (1 plan) and McGriff Insurance Services LLC (1 plan). 5% of plans report a broker.
How much do brokers earn on veterinary practices health plans in Kentucky?
The median brokered plan reports $95K a year in broker commissions and fees, or 7.0% of premium. Figures come from Schedule A, Part I.
Are veterinary practices health plans in Kentucky self-funded or fully insured?
Self-funded 95%, fully insured 4% and mixed 2%. Self-funded and mixed plans together make up 96%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital.
Prospect veterinary practices 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.
Veterinary 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). Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital. Location is the sponsor's filing address in Kentucky.