University Human Resources
Choosing a Medical Plan
Similarities between the medical plans
- There are no pre-existing condition limits or waiting periods. After enrolling, coverage is effective from the first day of eligibility.
- Services are comprehensive and include those that are traditionally covered by medical insurance: medical; prescription; behavioral health; transplants; durable medical equipment; home health care; skilled nursing; therapy services, chiropractic services; and vision wear.
- Preventive services are covered at 100% when in-network providers are used. Preventive services include contraceptive services and most birth control pills, physical exams, well-child visits, immunizations, lab tests (e.g., Pap, PSA, cholesterol), and other screening diagnostic services (e.g., mammograms and colonoscopies).
- Each plan offers a vision care benefit—no separate enrollment needed.
- Each plan has annual out-of-pocket maximums for individual and family levels. Once the maximum is met, each plan pays 100% for in-network covered services for the remainder of the year.
- There is no lifetime maximum benefit on medical services.
Preventive care services for all plans
Preventive care services are covered at no cost (1) when network providers are used and (2) when services are consistent with the U.S. Preventive Services Task Force guidelines and nationally recognized schedules. Preventive care is generally provided when there are no current symptoms or prior history of a diagnosed medical condition associated with the service. Preventive care services may include:
- Routine and periodic wellness exams.
- Routine immunizations for adults and children.
- Screening tests such as mammograms, bone density testing, PSA and cholesterol labs.
- Women’s health services including oral contraceptives, IUDs, hormone implants, injections, and sterilization.
- Pediatric fluoride, iron, folic acid, low dose aspirin, and tobacco cessation products (up to certain limits). Over the counter medications require a prescription.
Download a detailed description of preventive services (PDF).
Differences between the Medical Plans
- Out-of-pocket expenses (deductible levels and co-insurance).
How the deductible is structured in an HDHP plan versus a traditional plan (e.g., $500 deductible plan).
- How the prescription benefit is structured in an HDHP plan versus a traditional plan.
- Residency requirements (e.g., IU Health HDHP is only available in certain counties).
- A unique tax-advantaged health savings account (HSA) is available to participants enrolled in the Anthem PPO HDHP or the IU Health HDHP medical plans.
Download plan-specific summaries
- IU Health HDHP Benefit Summary (PDF)
- Anthem PPO HDHP Benefit Summary (PDF)
- Anthem PPO $500 Deductible Benefit Summary (PDF)
Find prescription information on the Express Scripts web site