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Changes for 2015

All Medical Plans

IUHQP $500 Deductible Plan Replacement

IU Health High Deductible Health Plan (IU Health HDHP)

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This is a new plan for 2015. It is a second HDHP plan and meets IRS guidelines to allow IU and the employee to make tax-free contributions to a Health Savings Account (HSA).

PPO (Anthem) High Deductible Health Plan (PPO HDHP)

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Health Savings Account (HSA)

Go to the HSA page >

Eligibility and enrollment

Change in HSA management

Go to HSA Account Transfer Information page >

Due to JP Morgan Chase’s business decision to sell their HSA business, new HSA banking arrangements have been made for 2015. This change in no way affects employees’ ability to spend their Chase HSA balances in 2015 and beyond.

What the change to Nyhart means to you

PPO $900 Deductible and PPO $500 Deductible Plans

Go to PPO $900 Deductible plan page >
Go to PPO $500 Deductible plan page >

There will be an out-of-pocket maximum on the member’s cost for in-network prescriptions. Once prescription expenses reach the out-of-pocket maximum—$4,200 for employee-only coverage or $6,000 when family members are covered—the plan will pay 100% of in-network covered prescriptions for the remainder of the plan year.

Tax-Saver Benefit (TSB)

Healthcare Reimbursement Account

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Managing Two Accounts: HSA and TSB

End-of-year Timing is Critical

If applicable, all 2014 medical expenses eligible to be reimbursed from the 2014 TSB account must be submitted to Nyhart before December 31st, 2014, in order to be reimbursed.

If you are in both the 2014 TSB and the 2015 HSA, the TSB can only be used for dental, vision and post-2015 deductible expenses during the 2015 January and February grace period.

One Card for Both Accounts

If you enroll in both the HSA and the TSB Healthcare account for 2015, you will receive one debit/Visa card to use for both accounts. This is a ‘smart’ card and it knows whether to draw funds from the HSA or TSB.

To use the funds in the TSB Healthcare Account for post-deductible medical and prescription expenses, you will need to pay for the expense out-of-pocket then submit a claim for reimbursement to Nyhart.