The Anthem Preferred Provider Organization High Deductible Health Plan (Anthem PPO HDHP) includes comprehensive coverage for medical, prescription, vision, behavioral health, and organ transplant services with no pre-existing condition limits or waiting periods. When you elect the Anthem PPO HDHP, you are also eligible to elect a Health Savings Account (HSA), a special tax-advantaged bank account to help cover your out-of-pocket healthcare costs.
Overview
This plan combines traditional medical coverage with a Health Savings Account (HSA). Under this plan, all covered services (except preventive services/prescriptions) are subject to the annual deductible. The deductible is a dollar amount of out-of-pocket costs you must pay each year before the plan will begin paying its share of your healthcare expenses. The nice thing about this plan is that you can pay for that deductible (and other qualified healthcare expenses like coinsurance) using the tax-free funds in your HSA. Once the deductible has been met, most in-network services are covered with a 20% coinsurance.
This plan uses the Anthem Blue Access PPO network in Indiana, the Anthem National PPO (BlueCard PPO) network in other states, and the Anthem Blue Cross Blue Shield Global Core network overseas. You can visit any provider or facility, but you receive a higher level of benefits when you use in-network providers.
Monthly Premiums
Your monthly premium is determined by your level of coverage and your base salary. Contributions are deducted before tax. You can reduce your monthly premium by $15 for yourself or your spouse (or $30 for both) by certifying that you do not use tobacco products each year.
2024 Premiums
| Monthly Employee Contribution Employee’s Annual Base Salary* | |||||||
| Below $38,100 | $38,100 to $66,949 | $66,950 to $99,999 | $100K to $149,999 | $150K to $199,999 | $200K to $249,999 | $250K and Above | |
| Employee-only | $47.82 | $63.98 | $83.27 | $104.90 | $127.32 | $155.06 | $179.96 |
| Employee & child(ren) | $86.06 | $115.17 | $149.89 | $188.80 | $229.17 | $279.10 | $323.92 |
| Employee & spouse | $126.72 | $169.55 | $220.67 | $220.67 | $337.41 | $410.90 | $476.89 |
| Family | $153.01 | $204.76 | $266.46 | $335.65 | $407.44 | $496.19 | $575.85 |
* The employee’s salary band is determined by the annual base salary at the time payroll runs each month.
Faculty appointed as 10-month academic employees who do not receive pay in the summer will have medical plan premiums caught up when they return in August. This means premiums from June, July, and August will be deducted from the August paycheck.
For School of Medicine full-time faculty who are dually employed by IU Health or the VA, the annual base salary includes both IU base salary and IU Health compensation, as determined by the School of Medicine.
2024 Cost Shares
Deductible
Coinsurance
Out-of-Pocket Maximum
In- and out-of-network deductibles and out-of-pocket maximums are separate and do not accumulate toward each other.
Vision Benefit
Visit the Vision page for details about your vision coverage.
Vision coverage is included with your enrollment in an IU-sponsored medical plan, but vision services have their own schedule of benefits and network providers separate from your medical plan. Additionally, amounts paid for vision services do not apply to your medical plan’s out-of-pocket maximum. Benefits include:
Prescription Benefit
Visit the CVS Caremark page for details about your prescription coverage.
Retail (up to 90-day supply)
Mail Order (up to 90-day supply)
Specialty (up to 30-day supply)
Preventive medications listed on the No Cost Share Medication List are covered at 100% by the plan. These include items such as generic contraceptives, bowel preps, statins, and tobacco cessation products.
Medications on the HDHP Preventive Rx List are covered with a 20% coinsurance and no deductible.
All prescription cost shares apply towards the annual HDHP out-of-pocket maximum.
Additional Services
The following programs are available to Anthem PPO HDHP members:
Below are answers to the most frequently asked questions regarding the Anthem PPO HDHP.
Once your enrollment in the plan has been processed, usually within 7-10 business days after your enrollment, Anthem will mail physical ID cards to your home address on file.
Cards can also be accessed digitally by logging in to Anthem.com or the Sydney Health app.
If you lose your physical ID card, you can print or request a new one be mailed to you by logging in to Anthem.com or by calling Anthem Customer Service at 844-736-0920.
The Health Savings Account (HSA) is a tax-advantaged bank account that can be used to pay for IRS-qualified health expenses for you, your spouse, and your tax dependents. Enrollment in the Anthem PPO HDHP allows enrollment in the HSA. For more information, visit the Health Savings Account page.
Preventive services are routine healthcare services including physical exams, well-child visits, immunizations, lab tests (e.g., Pap, PSA, cholesterol), contraceptive services (e.g., IUD’s and sterilization), and other screening diagnostic services like mammograms and colonoscopies. You can view the list of preventive medical services or call Anthem Customer Service at 844-736-0920 for more information. Preventive services are covered at no cost when in-network providers are used.
This plan uses the Anthem Blue Access PPO network in Indiana, the Anthem National PPO (BlueCard PPO) network in other states, and the Anthem Blue Cross Blue Shield Global Core network overseas. Once enrolled in the plan, you can find in-network providers by logging in to Anthem.com or the Sydney Health app and using the Find Care tool.
The CVS Caremark pharmacy network includes most retail chain pharmacies, such as CVS, Walmart, Target, and most supermarket and club pharmacy chains. Walgreens is not an in-network pharmacy. To locate network pharmacies or check prescription coverage and costs log in to Caremark.com or the Caremark app.
Yes. Vision and vision wear coverage is provided through Anthem Blue View Vision. This coverage is included with your medical plan enrollment, but vision services have their own schedule of benefits and network separate from medical benefits. Visit the Vision benefit page for more information.
Yes, IU medical plans use the Anthem Blue Access PPO network in Indiana, the Anthem National PPO (BlueCard PPO) network in other states, and the Anthem Blue Cross Blue Shield Global Core network overseas. Visit the Travel Coverage page to learn about the travel services available to you as an IU employee, and to understand how your healthcare coverage works if you experience medical needs or emergencies while away from home.
Medical - Anthem
Member Services: 844-736-0920
Precertification: 866-643-7087
Blue Access PPO providers in Indiana: www.anthem.com
BlueCard PPO providers nationwide: provider.bcbs.com
BCBS Global Core providers internationally: bcbsglobalcore.com or 800-810-2583
Prescription - CVS Caremark
Member Services: 866-234-6952
Mail Order Services: 866-234-6952
www.caremark.com
Vision - Anthem Blue View Vision
Member Services: 866-723-0515
www.anthem.com
Health Savings Account – WEX
Member Services: 800-284-8412
Email:
iu.nyhart.com (available after account is opened (web address will change 5/1))
IU Human Resources
Email:
Phone: 812-856-1234
Page updated: January 2024
IU Human Resources
Contact Us
Indiana University is an equal employment and affirmative action employer and a provider of ADA services. All qualified applicants will receive consideration for employment based on individual qualifications. Indiana University prohibits discrimination based on age, ethnicity, color, race, religion, sex, sexual orientation, gender identity or expression, genetic information, marital status, national origin, disability status or protected veteran status. Indiana University does not discriminate on the basis of sex in its educational programs and activities, including employment and admission, as required by Title IX. Questions or complaints regarding Title IX may be referred to the U.S. Department of Education Office for Civil Rights or the university Title IX Coordinator. See Indiana University's Notice of Non-Discrimination here which includes contact information.
The Annual Security Reports, containing policy statements and crime statistics for Indiana University campuses, are available through Public Safety and the IU Police Department web sites at protect.iu.edu/police-safety/annual-reports/index.html. A paper copy will be provided upon request from Public Safety at .
Copyright © The Trustees of Indiana University , Copyright Complaints