Student Academic Appointees/Appointed PostDoc Fellows


ID Cards
Sydney Health gives you 24/7 digital access to your Anthem ID card and to telehealth visits with a provider. To get started, download Sydney Health from the Google Play or Apple Appstore, and register with your university ID or SSN.

The Anthem IU SAA PPO plan is administered by Anthem and is available to all eligible appointees, regardless of area of residence. The plan includes comprehensive coverage for medical, prescription, vision, behavioral health, and organ transplant services with no pre-existing condition limits or waiting periods. When network providers are used, participants receive full benefits. Partial benefits are received from non-network providers, except in the case of an emergency.


This is a traditional PPO medical plan with no in-network deductible. You pay flat-dollar copays for some services such as office visits, emergency/urgent care, and prescriptions, with other in-network services covered with a 20% coinsurance.

This plan uses the Anthem Blue Access PPO network in Indiana, the Anthem National PPO (BlueCard PPO) network in other states, and the Anthem Blue Cross Blue Shield Global Core network overseas. You can visit any provider or facility, but you receive a higher level of benefits when you use in-network providers. Find a network provider.

Plan Highlights

Highlights of the plan include:

  • No annual deductible
  • In-network preventive services covered at 100%
  • Office/specialist visit copays: $25/$35
  • Urgent care/emergency room copays: $50/$150
  • Most other services covered with 20% coinsurance
  • Vision and vision wear coverage through Anthem Blue View Vision
  • Prescription coverage through CVS Caremark

Review the plan summaries for details:

Monthly Premiums

Premiums for qualifying Appointees are fully paid by the University.

Fall 2023
Spring 2024
Fall 2024
  • Premiums for qualifying Appointees are fully paid by the University.
  • The premium rate includes both medical and dental coverage.
  • Fall premium is for August 1 – December 31 (5 months).
  • Spring premium is for January 1 – July 31 (7 months).
Medical Monthly
Dental Monthly
Total Monthly

*For School of Medicine Postdoctoral Fellows, dependent premiums for all eligible dependents are fully paid by the university.

If you choose to enroll your spouse or children, you are responsible for the full cost of their monthly premiums.

Review the Eligibility and Enrollment Guidelines to verify your dependent’s eligibility for coverage. Dependents can only be covered for the same period of coverage as the appointee.

Eligible dependents must be enrolled by submitting the following items to IU Human Resources by the enrollment deadline:

  • Complete and sign the Dependent Enrollment Form and attach the following items:
    • A copy of supporting documentation (marriage certificate, birth certificate, etc.)

Dependent Enrollment Deadlines:

  • Fall: September 30
  • Spring/Summer: January 31
  • IRS Qualifying Life Event: within 30 days of event

An IRS Qualifying Life Event includes: birth of a child, marriage, loss of other coverage, etc.

2024 Cost Shares

The plan year is January 1 – December 31 each year. Deductibles and out-of-pocket amounts reset annually on January 1.


  • In-Network: $0 person / $0 family
  • Out-of-Network: $500 person / $1,500 family


  • In-Network: 20% after deductible
  • Out-of-Network: 40% after deductible

Out-of-Pocket Maximum

  • In-Network: $2,500 person / $5,000 family
  • Out-of-Network: $5,000 person / $10,000 family

Prescription Benefit

Visit the CVS Caremark page for details about your prescription coverage.

Retail (up to 30-day supply)

  • $10 generic
  • $ 40 preferred brands
  • $ 75 non-preferred brands

Retail & Mail Order (up to 90-day supply)

  • $20 generic
  • $80 preferred brands
  • $150 non-preferred brand

Specialty (up to 30-day supply only through mail order)

  • $150 copay

Check drug costs for this plan

Vision Benefit

Vision coverage is included with your enrollment in an IU-sponsored medical plan, but vision services have their own schedule of benefits and network providers separate from your medical plan. Additionally, amounts paid for vision services do not apply to your medical plan’s out-of-pocket maximum. Benefits include:

  • A routine eye exam for each covered member every 12 months with a $20 copay.
  • Frames, lenses, and contacts are covered with specific allowances and copays for in-network providers.
Review the 2024 Vision Summary for details.

Additional Services

he following programs are available to Anthem IU SAA PPO members:

  • Sydney Health App – Access your account information including claims history and ID cards, find a physician, or estimate costs for care from your smartphone or tablet 24/7.
  • LiveHealth Online Telehealth – Visit with a board-certified physician virtually for common conditions such as rashes, allergies, pink eye, or the flu. Visits are available 24/7 and cost just $59.

Frequently Asked Questions

Below are answers to the most frequently asked questions regarding the Anthem IU SAA PPO Plan.

Where can I find my Anthem ID Card?

Once your enrollment in the plan has been processed, Anthem will mail a physical ID card to your home address on file. Cards are issued in the subscriber’s name only, and should be used by all covered family members.

Cards can also be accessed digitally by logging in to or the Sydney Health app.

If you lose your physical ID card, you can print or request a new one be mailed to you by logging in to or by calling Anthem Customer Service at 844-736-0920.

What are preventive services?

Preventive services are routine healthcare services including physical exams, well-child visits, immunizations, lab tests (e.g., Pap, PSA, cholesterol), contraceptive services (e.g., IUD’s and sterilization), and other screening diagnostic services like mammograms and colonoscopies. You can view the list of preventive medical services or call Anthem Customer Service at 844-736-0920 for more information. Preventive services are covered at no cost when in-network providers are used.

How do I find a health care provider?

This plan uses the Anthem Blue Access PPO network in Indiana, the Anthem National PPO (BlueCard PPO) network in other states, and the Anthem Blue Cross Blue Shield Global Core network overseas. Once enrolled in the plan, you can find in-network providers by logging in to or the Sydney Health app and using the Find a Doctor tool.

What pharmacies can I use?

The CVS Caremark pharmacy network includes most retail chain pharmacies, such as CVS, Walmart, Target, and most supermarket and club pharmacy chains. Walgreens is not an in-network pharmacy. To locate network pharmacies or check prescription coverage and costs log in to or the Caremark app.

Does the plan include vision and vision wear coverage?

Yes. Vision and vision wear coverage is provided through Anthem Blue View Vision. This coverage is included with your medical plan enrollment, but vision services have their own schedule of benefits and network separate from medical benefits. Review the 2024 Vision Plan Summary for more information.

More FAQs

Customer Service Contacts

Medical - Anthem
Member Services: 844-736-0920
Precertification: 866-643-7087
Blue Access PPO providers in Indiana:
BlueCard PPO providers nationwide:
BCBS Global Core providers internationally: or 800-810-2583

Prescription - CVS Caremark
Member Services: 866-234-6952
Mail Order Services: 866-234-6952

Vision - Anthem Blue View Vision
Member Services: 866-723-0515

IU Human Resources
Phone: 812-856-1234