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Questions & Answers
Medical and Dental Plan Options
1. What do I need to know about signing up for my medical benefits under ERIP?
- ERIP participants who are enrolled as the employee in an IU-sponsored medical or dental plan on the date of separation may elect to continue in plan coverage for themselves and any covered spouse and dependents.
- If a participant or dependents are under age 65, the plan in place on June 30, 2011 is the one for which the participant is eligible to continue through COBRA coverage after leaving the University.
- While on COBRA, each year the participant will be sent Open Enrollment materials with the available medical plan options. A participant may at that time elect to change coverage to another IU medical plan, change coverage level, or waive medical coverage.
- When COBRA coverage has been exhausted, and if the participant and/or spouse and children are still under age 65, the participant can elect to move to the Under 65 - PPO $900 Deductible medical plan.
- If the participant did not have IU Retiree Status on June 30, 2011, s/he is no longer eligible for medical coverage under IU medical plans once the participant has reached age 65.
- If the participant had IU Retiree Status on June 30, 2011, s/he may elect to participate in the Blue Retiree Medicare supplement plan once the participant has reached age 65. If a covered spouse is under age 65 at the time s/he elects the Blue Retiree Medicare supplement, he or she can be covered under the Under 65 – PPO $900 Deductible medical plan until reaching age 65 and then elect the Blue Retiree Medicare supplement plan.
2. What will happen if I am in IU’s High Deductible Health Plan (HDHP)/Health Savings Account (HSA) on June 30, 2011?
- If a participant is in the High Deductible Health Plan with the Health Savings Account (HDHP/HSA) on June 30, 2011, s/he can continue in the plan by participating in COBRA up through the end of COBRA. Although the participant can no longer contribute to the HSA with pre-tax contributions, s/he can continue to deposit money into the account on an after-tax basis and use the funds for any IRS-eligible medical expense.
- If a participant elects to discontinue coverage under the HDHP medical plan, s/he will no longer be able to contribute money to the HSA but can continue to use the funds in the account for IRS eligible medical expenses until the funds are exhausted.
3. How much will the options for IU medical plan coverage cost?
Rates are listed below for the 2011 plan year. 2011 medical plans are separate and different coverage levels may be selected for each plan. IU reserves the right to change rates at any time.
COBRA monthly premium rates for 2011 PPO Blue Access Monthly Premiums One participant $ 510.36 One participant and child(ren) $1,010.94 Participant and spouse $1,238.20 Participant and family $1,405.91
PPO $900 Deductible Monthly Premiums One participant $ 460.38 One participant and child(ren) $ 918.32 Participant and spouse $1,122.64 Participant and family $1,274.93
HDHP PPO Monthly Premiums One participant $275.55 One participant and child(ren) $549.64 Participant and spouse $671.92 Participant and family $763.08
IU Health Quality Partners Exclusive Provider Monthly Premiums One participant $ 460.38 One participant and child(ren) $ 918.32 Participant and spouse $1,122.64 Participant and family $1,274.93
4. How much will the options for IU dental plan coverage cost?
Rates are listed below for the 2011 plan year. The 2011 dental plan is separate and different coverage levels may be selected for each plan. IU reserves the right to change rates at any time.
Dental Monthly Premiums for 2011 One participant $25.60 One participant and child(ren) $46.10 Participant and spouse $60.13 Participant and family $87.70
5. What happens after COBRA ends?
- After COBRA coverage has expired, the participant and covered spouse may then elect to participate in the PPO $900 Deductible Medical Plan until Medicare age (age 65). The participant will be responsible for paying premiums for this plan at the COBRA rate shown above.
- Participants and covered spouses who have reached age 65 or older with IU Retiree Status may enroll in the Blue Retiree Medicare supplement plan, and continue in the plan by paying the plan’s premiums.
Anthem Blue Retiree Plan Monthly Retiree Premiums for 2011 One participant
(Retiree or surviving spouse)
$163.97 Retiree and spouse $327.92
6. Can I use my HRA funds to pay for the premiums, deductibles, and co-pays?
HRA funds can be used to cover premiums, deductibles, co-pays, and any medical expense within the meaning of Section 213(d) of the Internal Revenue Code.
7. If I have a family status change during the 5 years I receive HRA contributions under the ERIP, will the amount contributed change?
The amount credited to the HRA is established based on the participant's status on June 30, 2011 and changes in family status will not change the amount.
8. What happens if I have a family status change under COBRA?
- A participant may add and remove family members to medical coverage with a qualifying family status change or during Open Enrollment while covered under COBRA.
- If a participant elects the Under Age 65 – PPO $900 Deductible medical plan s/he may cover a spouse or children already on the plan, but will not be able to add dependents to the coverage.
9. I have more questions about my medical care plan options. Who do I speak to?
For additional questions please contact University Human Resource Services at the following email addresses:
- COBRA questions: Linda Ross at or 812-855-7833
- IU Retiree Status questions: Karen Hill at or 812-856-4459
- HRA questions: Danielle Abplanalp at or 812-855-3825
- General health care plan questions:
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