Benefits Enrollment

Annual Enrollment for 2026 runs Nov. 3-14, 2025.

Pad of paper with the words "employee benefits".

The Annual Enrollment period is your opportunity to make 2026 benefit elections that fit the needs of you and your family.

During this time, you have the option to:

  • Enroll in medical, dental, and vision coverage
  • Enroll in a Health Savings Account (if you are enrolled in a High-Deductible Health Plan with HSA)
  • Enroll in a Health Care or Dependent Care Flexible Spending Account
  • Re-enroll in supplemental or dependent supplemental life insurance
  • Enroll in legal insurance
  • Enroll in voluntary benefits (Non-union employees). 

Don't miss the Nov. 14 deadline.

Unless you have a qualified family status change, there will not be another opportunity to enroll or change your benefits, so be certain to make your benefit elections via MyHR before the deadline.

If you need guidance on:

  • Choosing the best medical plan for you and your family, consult the Annual Enrollment Guide and/or visit the Advisor Tools below.
  • Specifics of the medical plans, contact Anthem at 877-750-6062.
  • The Annual Enrollment Process, contact HR/Benefits at 502-627-2121 or benefits@pplweb.com.
cover image from the 2026 Annual Enrollment guide

2026 Benefits Annual Enrollment

2026 Annual Enrollment Guides

The Annual Open Enrollment Guide provides detailed plan information and employee premiums.

Non-union Employees (PDF) (10.53mb) KU IBEW and LG&E IBEW Local 2100 (PDF) (8.33mb) KU USW (PDF) (10.4mb)

Frequently Asked Questions

Where do I enroll for my benefits?

Enroll under MyHR > Benefits Enrollment.

What’s new in the medical plan for 2026?

New Prescription Drug Vendor: Starting Jan. 1, 2026, Anthem will be our new prescription coverage provider, replacing Express Scripts. Prior to Jan. 1, you'll receive one combined ID card for medical AND prescription drug coverage mailed to your home. You’ll also be able to access your digital medical/prescription drug card on Anthem’s website and Anthem’s Sydney Health app. Additionally, you’ll gain access to a dedicated, pre-assigned Family Advocate (health care professional) to assist you with anything related to Anthem, including medical and/or Rx questions.

Important: A limited number of plan members may experience a change to their medication or supply coverage. If you are impacted, you will receive a written notification via mail from Anthem. The letter will contain covered options that you can discuss with your provider. Stay tuned to The Grid for more information and watch your home mailbox for information from Anthem.

Increased Biometric Screening Incentive: Good news! The incentive for completing an optional annual biometric screening (blood pressure, cholesterol, BMI) is increasing from $75 to $125. It's confidential and provides you with early insights into potential concerns so that you can take charge of your health. Similar to years past, you will need to complete your Health Check Survey by Aug. 31, 2026, to receive the lowest medical premium for the following year.

Voluntary Benefits: In addition to continuing to offer group legal benefits, PPL is offering four new voluntary insurance benefits through MetLife. These benefits include Identity Theft Protection, Hospital Indemnity, Critical Illness and Accident insurance. More information will be available in the benefits and wellness guides.

Caregiving Support: Cariloop is a free service to help you with caregiving challenges, whether it's elder care, childcare, or health conditions (e.g., autism, cognitive decline, dementia). You can use it even if you don’t have PPL’s medical insurance.

Wellhub Wellness Platform: Employees on the company’s medical plan can access Wellhub for affordable gym memberships, fitness classes, mental health apps, and nutrition tools.

Weight Management Program: Coming in 2026, we'll have a new virtual weight management program for employees on the company’s medical plan. It will focus on clinical care and behavioral support, including access to affordable compounded and branded GLP-1s for weight management. Membership in this program will be covered by PPL; however, GLP-1 medications, if deemed medically appropriate through the program, are paid by the employee. Stay tuned for more information in early 2026.

Please note eligibility for some of these programs varies for our represented (union) employees based on their Collective Bargaining Agreement.

My Enrollment Confirmation Statement is incorrect. What should I do?

Please email benefits@pplweb.com to request a review of your enrollment.

If my spouse's Open Enrollment is after the company's, and it is less expensive for our dependents to be on his/her plan, can I make changes to my coverage?

Changes in dependents' coverage can be made during certain qualifying events called "Changes in Status"; open enrollment, marriage, birth, and divorce all qualify. Contact HR/Benefits at benefits@pplweb.com for your specific situation.

Must I (or my dependents) have medical coverage to elect dental and/or vision coverage?

No. You can elect each benefit separately.

If I elect the EPO/HMO plan and have an emergency out of state, will I have to pay out-of-pocket?

Emergency care (emergency room, ambulance, and urgent care) are covered under the EPO/HMO plan even if you are out of network.  If you are admitted to a hospital after your emergency, it is at the discretion of Anthem whether additional care is covered as out-of-network.

Will the company contribute to employees' Health Savings Accounts?

Yes. LG&E and KU contributes $600 per year for Employee only coverage and $1,200 for Employee + Spouse, Employee + Child(ren), and Family coverage to active full-time regular employees. These amounts are deposited annually into your HSA account.

Can I use my FSA/HSA to pay my dependents' health expenses if they are not covered under my plan?

Yes. Your FSA/HSA can be used to pay your eligible dependents' expenses if they are not on your plan.

Why are the IBEW rates higher than others in Kentucky?

Due to cost sharing formulas in the current LG&E-IBEW and KU-IBEW collective bargaining agreements, IBEW bargaining unit premiums are different than non-IBEW employee premiums.

Advisor Tools

Your rights and protections against surprise medical bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

Learn more (0.17mb)

Voluntary Benefits

Voluntary medical benefits refer to optional health-related insurance plans or services that employees can choose to enroll in, at their own expense. These benefits are not required by law and are offered in addition to core medical coverage.

The information on this website, including all attachments but excluding the plan document, is intended to provide brief descriptions of the benefit plans and is not a comprehensive disclosure of all plan terms. Detailed information can be found in the Summary Plan Descriptions and in the plan documents. If statements on this website, including all attachments but excluding the plan document, are inconsistent with the formal provisions of those documents, the formal provisions of those documents will apply and control.

The company intends to continue the benefit plans described in this website indefinitely. But circumstances may change, and the company reserves the right to change, suspend or terminate them at any time.