The latest work-life information at IU
No. 55
October 2011


University Human Resources
hr.iu.edu
Informed Employee

2012 Medical Rates (Monthly)

For the Fiscal Year 2011/2012, Indiana University's budget allocates $186.6 million for the University's contribution to employee healthcare program costs. This budget amount includes a six percent increase (an additional $10.6 million) over the last fiscal year's budget. The result is that costs in excess of the $186.6 million budget are included as employee payroll contributions. Employees with higher base salaries have higher contributions.

Employee contributions are deducted before taxes.
Subtract $25 per month for an employee or spouse ($50 for both) who do not use tobacco.

Monthly Employee Contribution
Employee’s Annual Base Salary

Total Monthly
Premium
Below $30,000
$30,000 -
$49,999
$50,000 -
$99,999
$100,000 -
$149,999
$150,000 -
$199,999
$200,000 -
$249,999
$250,000
and Above
Employee only coverage
HDHP PPO & HSA
$25.51
$35.71
$48.46
$61.21
$73.96
$86.72
$99.47
$255.05
IU Health Quality Partners*
$48.01
$67.21
$91.21
$115.21
$139.22
$163.22
$187.22
$480.06
PPO $900 Deductible
$49.00
$68.60
$93.10
$117.60
$142.10
$166.60
$191.10
$489.99
PPO Blue Access $400
$53.62
$75.07
$101.88
$128.70
$155.51
$182.32
$209.13
$536.23
Employee and Child(ren) coverage
HDHP PPO & HSA
$50.87
$71.22
$96.66
$122.10
$147.53
$172.97
$198.41
$508.74
IU Health Quality Partners*
$95.76
$134.06
$181.94
$229.82
$277.70
$325.57
$373.45
$957.57
PPO $900 Deductible
$97.74
$136.83
$185.70
$234.57
$283.44
$332.31
$381.18
$977.38
PPO Blue Access $400
$106.22
$148.71
$201.81
$254.92
$308.03
$361.14
$414.25
$1,062.18
Employee and Spouse coverage
HDHP PPO & HSA
$62.19
$87.07
$118.17
$149.26
$180.36
$211.46
$242.55
$621.93
IU Health Quality Partners*
$117.06
$163.89
$222.42
$280.95
$339.48
$398.01
$456.55
$1,170.63
PPO $900 Deductible
$119.48
$167.28
$227.02
$286.76
$346.50
$406.25
$465.99
$1,194.84
PPO Blue Access $400
$130.10
$182.13
$247.18
$312.23
$377.28
$442.33
$507.37
$1,300.96
Family coverage
HDHP PPO & HSA
$70.63
$98.88
$134.20
$169.51
$204.83
$240.14
$275.46
$706.30
IU Health Quality Partners*
$132.94
$186.12
$252.59
$319.06
$385.53
$452.01
$518.48
$1,329.43
PPO $900 Deductible
$135.69
$189.97
$257.81
$325.66
$393.51
$461.35
$529.20
$1,356.92
PPO Blue Access $400
$147.72
$206.80
$280.66
$354.52
$428.38
$502.24
$576.10
$1,477.17

* Eligibility is limited to employees residing in certain counties.

 

Example of how to calculate the employee's monthly contribution to a medical plan

This example is for an employee with coverage for self and spouse/domestic partner.

  • The employee will enroll in the HDHP PPO & HSA medical plan.
  • The employee has an annual IU salary of $51,548.
  • The employee will sign the Tobacco-Free Affidavit stating the employee and spouse do not smoke.
$118.17 (employee contribution)
 - 50.00 (tobacco-free affidavit)
 $68.17 (monthly employee contribution)

How to calculate the University's monthly contribution

The University's contribution is the difference between the total monthly premium minus the employee contribution.

$621.93 (total premium)
 - 68.17 (employee contribution)
$553.76 (monthly University contribution)

 

To estimate medical and dental plan contributions from each paycheck, go to hr.iu.edu/benefits/calculator/.

2012 Dental Rates (Monthly)

Employee contributions are deducted before taxes.

Monthly Employee Contribution
Employee’s Annual Base Salary

Total
Monthly Premium
Below $30,000
$30,000 -
$49,999
$50,000
and Above
PPO Dental Plan
Employee
$5.25
$6.73
$8.08
$26.92
Employee/Child(ren)
$9.45
$12.12
$14.54
$48.47
Employee/Spouse
$12.33
$15.81
$18.97
$63.23
Family
$17.98
$23.06
$27.67
$92.22

 


IU Tax Saver Benefit (TSB) Plan

The IU TSB plan is designed to save tax dollars when a participant pays for IRS-eligible expenses. When salary contributions are made into one or both TSB expense reimbursement accounts (healthcare and dependent care), the contributions are not subject to federal, state, local, or FICA taxes. This results in substantial savings to the employee.

For details, see the Open Enrollment packet and visit hr.iu.edu/benefits.

 

 

UHRS

Page updated: 17 October 2011
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