Plan Changes for 2019

All Medical Plans:

Effective January 1, 2019, the following changes will be applied to the CVS Caremark drug formulary:

  • One-Touch lancets and test strips for use in One-Touch blood glucose meters will no longer be a preferred brand through your Caremark pharmacy benefit. Accu-Chek test strips and lancets for use in Accu-Chek blood glucose meters will be the only preferred brand products available.
  • Anti-obesity medications will be covered through the Caremark pharmacy benefit. These medications may require clinical guidelines be met and prior authorization be on file before they can be filled.

Anthem PPO $500 Deductible:

  • The out-of-pocket maximum for in-network prescriptions will increase to $5,500 for employee-only coverage and $8,600 for all other coverage levels.

Anthem PPO HDHP:

  • The in-network deductible will increase to $1,500 for employee-only coverage and $3,000 for all other coverage levels. The in-network out-of-pocket maximum will increase to $3,000 for employee-only coverage and $6,000 for all other coverage levels.
  • The out-of-network deductible will increase to $3,000 for employee-only coverage and $6,000 for all other coverage levels. The out-of-network out-of-pocket maximum will increase to $6,000 for employee-only coverage and $12,000 for all other coverage levels.

IU Health High Deductible Health Plan (IU Health HDHP)

  • No changes.

Health Savings Account (HSA):

  • The annual IRS contribution maximums will increase to $3,500 for employee-only coverage and $7,000 for all other coverage levels.
  • There are no changes to the university’s contribution to the HSA in 2019:
    • IU Health HDHP–the university’s contribution will be $1,600 for employee-only and $3,200 for all other coverage levels.
    • Anthem PPO HDHP–the university’s contribution will be $1,300 for employee-only and $2,600 for all other coverage levels.

Tax Saver Benefit (TSB) Healthcare Reimbursement Account:

  • The IRS maximum contribution limit will increase to $2,650.

Tax-Saver Benefit (TSB) Dependent Care Reimbursement Account

  • No plan changes.

IU Dental Plan

  • No plan changes.

Personal Accident Insurance (PAI)

  • No plan changes.

Special Enrollment Opportunity

Long Term Disability (LTD) Insurance

Eligible employees have the special one-time opportunity to enroll in or increase their level of coverage in Long Term Disability Insurance. Outside of this Open Enrollment period, evidence of insurability will be required if you:

  • Wish to enroll in the future; or
  • Are electing coverage with a shorter benefit waiting period; or
  • Are electing coverage which adds the Annuity Contribution Benefit; or
  • Previously terminated your LTD insurance and would like to re-elect coverage.

Review the LTD section of the Open Enrollment guide for additional information.