IU Benefit Changes and Deadline Extensions Due to COVID-19

Below is a summary of the changes and enhancements to IU benefit plans related to the COVID-19 pandemic. As the pandemic evolves, additional changes may be made, so please check back often. For questions, contact IU Human Resources at or 812-856-1234.

Visit the IU Human Resources COVID-19 site for guidance and frequently asked questions on all other HR-related topics. Visit covid.iu.edu for campus information and to view IU’s COVID Dashboard.

COVID-19 Testing, Treatment, Telehealth, & Vaccines

In-network COVID-19 vaccines and testing are covered at 100% for employees and family members enrolled in an IU-sponsored medical plan. Effective May 1, 2022, treatment and telehealth visits for COVID-19 are covered as any other medical condition, subject to the applicable copay/coinsurance and deductible amounts.

Which IU medical plans does this coverage apply to?

The coverage listed in this section extends to active members and COBRA participants in the following IU-sponsored medical plans:

  • Employee plans (Anthem PPO $500 Deductible, Anthem PPO HDHP, IU Health HDHP)
  • Anthem Under 65 PPO HDHP (Retirees)
  • Anthem GA PPO Plan
  • Anthem IU Resident Plan (Medical and Optometry Residents)

Students and Fellowship Recipients should contact or 812-856-1234 for questions about coverage.

COVID-19 Testing

Effective March 17, 2020, in-network testing for COVID-19 is covered at 100% under IU-sponsored medical plans. This means that all copays, deductibles, and out-of-pocket costs for the focused test to diagnose COVID-19 and the visit associated with the test are waived. For specific questions about your coverage, contact the number of the back of your medical ID card.

Additional Information:

  • Information on free in-person testing through IU for students and employees is available on IU’s COVID-19 information site: Testing for COVID-19.
  • If you do not have medical coverage, all Hoosiers, regardless of age, can access free COVID-19 testing. Visit the Indiana State Department of Health COVID-19 Testing website to find a testing location near you.
  • At-home COVID-19 tests can be requested for free through the federal government by visiting covidtests.gov.
  • IU-sponsored medical plan members are eligible for eight (8) free at-home OTC COVID-19 tests per month. Read the section below for details.

COVID-19 Treatment

Effective May 1, 2022, in-network treatment for a diagnosed case of COVID-19 will be covered as any other illness under IU-sponsored medical plans. This means that members seeking treatment for COVID-19 are subject to the standard copay/coinsurance and deductible amounts for medically necessary services. For specific questions about your coverage, contact the number of the back of your medical ID card.

COVID-19 Telehealth Visits

Effective May 1, 2022, telehealth visits for COVID-related medical issues are covered as any other illness under IU-sponsored medical plans. All telehealth visits are subject to the standard copay/coinsurance and deductible amounts listed on the Telehealth web page.

COVID-19 Vaccines

Effective October 4, 2021, in-network COVID-19 vaccines are considered a preventive medical service, and are covered at 100% under IU-sponsored medical plans. This means that all copays, deductibles, and out-of-pocket costs are waived. For specific questions about your coverage, contact the number of the back of your medical ID card.

At-Home OTC COVID-19 Test Coverage

Employees who need access to at-home OTC COVID-19 tests can obtain them at no cost in the following ways:

Free At-Home COVID-19 Tests through the Government
Residential households in the U.S. can order two sets of four (4) free at-home COVID-19 tests by visiting CovidTests.gov.

Coverage for IU Medical Plan Members
Starting January 15, 2022, at-home OTC COVID-19 tests will be covered for employees and family members enrolled in an IU-sponsored medical plan. Members have the following options for coverage through the CVS Caremark pharmacy benefit:

  • Pay $0 up-front at a network pharmacy. Visit a CVS Caremark network pharmacy such as CVS, Walmart, Target, Kroger, or Sam’s, and simply go to the pharmacy counter, present your ID card, and ask to have your OTC at-home COVID-19 test submitted to your plan for coverage.
  • Pay $0 up-front when you order through CVS.com or the CVS Pharmacy app for in-store pick up. Follow this simple process to order your test kits online. Once your order is ready, CVS will send you an email or text to let you know they are ready for pickup.
  • Purchase a test and submit an electronic form for reimbursement. Eligible at-home OTC COVID-19 tests purchased on or after January 15, 2022, from any retail or online store are eligible for reimbursement up to $12. Follow these steps to submit your request. 
  • Purchase a test and submit a paper form for reimbursement. Eligible at-home OTC COVID-19 tests purchased on or after January 15, 2022, from any retail or online store are eligible for reimbursement up to $12. Simply complete paper claim form and submit it directly to CVS Caremark with the required documentation. Please note that you will receive your reimbursement more quickly if you submit your claim electronically.

Which IU medical plans does this coverage apply to?

The coverage listed in this section extends to active members and COBRA participants in the following IU-sponsored medical plans:

  • Employee plans (Anthem PPO $500 Deductible, Anthem PPO HDHP, IU Health HDHP)
  • Anthem Under 65 PPO HDHP (Retirees)
  • Anthem GA PPO Plan
  • Anthem IU Resident Plan (Medical and Optometry Residents)

Students and Fellowship Recipients should contact or 812-856-1234 for questions about coverage.

Which tests are covered?

This coverage is for FDA-approved at-home, over the counter COVID-19 tests purchased without the involvement of a healthcare provider. This means you do not need to visit a doctor or obtain a prescription for the purchased test to be covered. Eligible tests include single-use, cartridge-based tests (for example, Flowflex, BinaxNow or Ongo) that don’t require a machine or mobile app to get results.

How many tests are covered?

Each covered member is eligible for up to eight (8) tests per month. This means that a family of 4 covered by an IU-sponsored health plan would be eligible for up to 32 tests per month. If you buy a multi-pack of tests, each test in the package counts a single test. So, a four-pack counts against the limit as four tests. Tests must be used to see if you or a covered family member has a COVID-19 infection. You won’t be reimbursed for tests used for work, school or other requirements.

How much will I be reimbursed?

For tests that are purchased outside of the direct coverage options, you will be reimbursed $12 for each at-home test or the amount you paid out-of-pocket – whichever is lower.

Why am I only being reimbursed $12?

The government has placed a $12 reimbursement limit on plans that let members get tests with no up-front, out-of-pocket costs. Under your prescription plan, you can get tests with no out-of-pocket costs at any pharmacy in CVS Caremark’s retail pharmacy network.

Do I have to buy the tests at an in-network pharmacy?

No, you can buy your test at any pharmacy, other retailer or online. If the pharmacy can bill directly under your pharmacy benefit, there will be no out-of-pocket cost. If the pharmacy can’t bill directly under your benefit, or if you buy at another retailer or online, you will have to pay for the test and request reimbursement.

How do I order tests online for in-store pickup?

  • Go to CVS.com or use your CVS Pharmacy app and select “At-home COVID-19 tests.” Follow the instructions to request your test.
  •  Enter your zip code and find the closest CVS Pharmacy with available tests
  • Select “OTC tests” and follow the instructions to enter the appropriate information from your insurance card.

Once your order is ready, you’ll get an email or text. Then go to the CVS Pharmacy location you ordered from and see any cashier at the front of the store and provide your name and confirmation code to pick it up. If you have any questions, visit CVS.com or ask your pharmacist.

A few things to keep in mind:

  • Orders cannot be picked up in the drive-through
  • If you do not pick up your order within 72 hours, it will be cancelled

If you are in a CVS Pharmacy store, you can still use the online order tool. Ask a store associate for the QR code that you can scan on your mobile device. That will take you to the online order application.  From here, you can place your order, which the store will receive immediately. Store employees will fill the order and you can be on your way.

Why isn’t there a $0 cost online ordering option that ships to my home?

CVS Caremark is currently working on a direct shipping option with no up-front costs. In the meantime, you can order through CVS.com or the CVS Pharmacy app and pick your order up in-store with no up-front cost. Or, you can purchase eligible tests from any other online store and submit a request for reimbursement.

Who do I contact with questions?

For questions about your coverage, contact CVS Caremark at 866-234-6952.

Coverage for IU Blue Retiree Medical Plan Members
Starting April 4, 2022, at-home OTC COVID-19 tests will be covered at no cost for individuals enrolled in Medicare Part B. Details on quantity limits and how to access tests are available on the Medicare website.

COVID-19 Personal Protective Equipment (PPE)

Retroactively effective to January 1, 2020, personal protective equipment (PPE) for the primary purpose of preventing the spread of COVID-19 (e.g. face masks, hand sanitizer, and sanitizing wipes) is eligible for reimbursement through your Health Savings Account (HSA) and Healthcare Flexible Spending Account (FSA).

View the Nyhart Eligible Healthcare Expenses Table for a comprehensive list of eligible expenses. No action is needed to take advantage of this change.