Pediatric Residency

• PGY 1: $61,867.64 annually / $5,155.64 monthly
• PGY 2: $64,179.69 annually / $5,348.31 monthly
• PGY 3: $66,251.94 annually / $5,521.00 monthly
• PGY 4: $69,244.93 annually / $5,770.41 monthly

Stipend rates include a 4% increase for all PG levels.

UofL offers three medical plans through Anthem Blue Cross Blue Shield (Anthem)

The plan options are: 

• PPO with Health Reimbursement Account (HRA)
• UofL Health Plan (ULH)
• Consumer Driven Health Plan with Health Savings Account (CDHP with HSA) (this is not available to employees on a J1 Visa)

Note: Employees on J1 Visas are only eligible for PPO or ULH plans. For more information, contact the International Affairs office.

How Each of the Plans Work: 

PPO Plan with HRA The Preferred Provider Organization (PPO) plan: 

• Allows you to go in or out of network with this plan, but you’ll pay less when you use Anthem in-network providers.
• Comes with the ability to pay flat dollar copays for doctor’s office visits (and $0 if you obtain primary care from a UofL provider).
• Requires you to pay the full cost of medical services, before you meet the annual deductible. After you meet the annual deductible, the plan pays a percentage of the cost of most services until you reach the out-of-pocket maximum.
• Has its own prescription drug annual out-of-pocket maximum for in-network pharmacy.
• Costs the most out of your paycheck, but less out of pocket when you need care. 

This plan comes with a Health Reimbursement Account. It’s important to use the HRA to maximize the benefits of the PPO plan. The amount of your HRA is enough to cover your in-network deductible or it may be used to pay copays and/or prescription expenses. This is provided to you by UofL on a debit card. When you need care, you simply swipe the debit card which will be funded by January 1, 2026. 

You are also eligible for a Health Care Flexible Spending Account.  

ULH Plan 

The ULH plan provides coverage to you through an exclusive network of health care providers. It offers three tiers of coverage: 

Tier 1 — UofL Health providers; lowest out-of-pocket costs 

• You don’t need to satisfy a deductible before coverage begins.
• ULH primary doctor and specialist visits are covered in full, and there is no out-of-pocket cost to you.
• You will pay a copay for services such as inpatient stays, imaging and outpatient surgery. Since a copay is a fixed dollar amount, you will know your cost before receiving any service. 

Tier 2 — Anthem in-network providers; higher out-of-pocket costs 

• You will need to satisfy a deductible of $500 (per person) or $1,000 (per family) before coverage begins.
• You will pay a copay for an in-network primary doctor or specialist visit.
• You will pay coinsurance for services, such as inpatient stays, imaging and outpatient surgery, and these prices are not determined in advance. 

Tier 3 — Out-of-network; coverage for emergency services only. To search for ULH participating providers, go to louisville.edu/hr/ benefits/medical/university-of-louisville-health-plan and follow the search instructions. 

This plan does not come with an account. However, you are eligible to contribute to a Health Care Flexible Spending Account. 

CDHP With HSA 

The Consumer Driven Health Plan (CDHP): 

• Allows you to go in or out of network with this plan, but you’ll pay less when you use Anthem in-network providers.
• Requires you to pay the full cost of most services, including most prescription drugs, before you meet the deductible. After you meet the annual deductible, the plan pays a percentage of the cost of most services until you reach the out-of-pocket maximum. Prescriptions for select preventive medications will bypass the deductible and the copay will apply before satisfying the deductible. Medications that are on the preventive list (louisville.edu/hr/benefits/ ESI2026StandardPlusPreventiveMedicationsDrugList303862.pdf) and bypass the deductible, will still have a cost and that cost will apply to the maximum out-of-pocket accumulator but will not apply to the deductible. For more information, please contact KY Rx Coalition at 855-218- KYRx or online at kyrx.org.
• Costs less out of your paycheck, but more out of pocket when you need care. 

This plan comes with a Health Savings Account (HSA). The CDHP is a qualifying high-deductible health plan. Because of this, you are eligible to have a Health Savings Account and use it to pay for medical, prescription drug, dental and vision expenses tax-free, now and in the future. You are also eligible for a Limited Purpose Health Care Spending Account. UofL contributes a set amount based on the coverage level you choose. You may also contribute to the account as well. Learn more about these accounts on page 16. 

The CDHP is not available to employees on a J1 Visa. J1 Visas require an annual deductible of $500 or less. For more information, contact the International Affairs Office.

Basic Life Insurance 

Eligible employees can enroll in Basic Life Insurance at twice their base annual salary (adjusted up to the nearest $1,000, maximum $200,000) at no cost. 

Additional Term Life Insurance 

Additional Term Life Insurance is a supplement to Basic Life Insurance for employees who would like to purchase for their self, spouse and/or child(ren). If you purchase Additional Term Life Insurance for yourself, you may also purchase Additional Term Life Insurance for your spouse and dependent child(ren). 

Self: May purchase coverage from $20,000 to $500,000. 

Spouse: Benefit options are available up to $150,000, with the minimum benefit amount as $10,000 and the maximum benefit amount as the lesser of 50% of the employee Supplemental Life Benefit or $150,000. No person may be insured as a Dependent of more than one employee. 

Child(ren): May purchase coverage at $10,000 for children through the end of the year in which they turn 26. 

Vacation
Four weeks of vacation is given at all levels of training.

Bookstore
A 10% discount is available on books and supplies with a valid University of Louisville Identification Card.

Licensure
Initial resident licensure fees are paid by the university and renewal resident licensure fees are paid by the department.

Parking Permits
Free parking in the attached, covered Norton Children's Hospital garage and all other Norton garages downtown.

Book Allowance
All first-year Residents in good standing in the program receive a generous book allowance and MedStudy.

Board Review
All second-year residents in good standing in the program are provided with MedStudy and third-years in good standing in the program earn a stipend for a board review course to be attended following graduation.

Meals
On-call meals are provided at both Norton Children's Hospital and UofL Hospital.

Ward Support
Nurse clinicians are available for each ward team to aid in completing work involving communication and patient care. This team of nurses also provides month-to-month continuity.

AAP Membership
Resident memberships are provided to the American Academy of Pediatrics including subscriptions to PREP and Pediatrics in Review.

Athletics
Residents are eligible to purchase student athletic tickets, which are offered at reduced rates through the Athletics Department.

MetLife is UofL’s dental provider. There are two options for dental insurance, the basic plan and the enhanced plan, which includes adult orthodontia.

Vision insurance is provided by Davis Vision. Davis Vision has a national network of credentialed preferred providers. With Davis Vision, you have access to great in-network benefits at provider locations nationwide, including over 700 Visionworks stores, which offer the largest in-store frame assortment in the industry.

No matter the reason you are considering the University of Louisville School of Medicine Department of Pediatrics, we are excited to showcase our programs, our facilities and our city – but most important, our Residents. We are here to answer your questions.

Office of Medical Education
Children's Hospital Foundation Building
601 S. Floyd St., Ste 200 (2nd floor)
(502) 629-8828