Wherever you may go, you’ll have access to the care you need. Your benefits package includes medical, vision, dental, prescription drug, as well as coverage when you travel. Medical and dental plans also allow coverage for eligible dependents, as detailed below.
We offer medical and dental benefits to employees and family members who meet the eligibility criteria outlined in the sections below.
Full-time appointed academic and staff employees (working at least 75% FTE) are eligible to enroll in IU-sponsored medical and dental plans. You can enroll when you’re first hired, within 30 days of a qualifying life event, or during open enrollment.
Note: J-1 Visa holders are only eligible for the Anthem PPO $500 Deductible Plan due to U.S. Department of State regulations.
If you’re eligible for medical and dental coverage, you can also enroll a spouse or children on your plans, provided they meet the following criteria:
Your spouse (same- or opposite-sex) if legally married in one of the 50 U.S. states, the District of Columbia, a U.S. territory, or a foreign country.
Your children who meet all the following criteria:
If you’re in the process of adopting a child, you can start coverage for the child as soon as they are placed with you (when you’re granted custody) for adoption.
Documentation providing proof that an individual is a qualified dependent (e.g., marriage or birth certificate, guardianship orders) is required at the time of initial enrollment and periodically thereafter. Failure to provide proof of dependent eligibility within 30 days of the university’s written request for such proof may result in termination of health plan coverage.
You may make changes to your plan within 30 days of an IRS-qualified life event (after 30 days, you’ll need to wait until open enrollment). To submit your life event change, log in to the Employee Center through One.IU, select the Benefit Details tile, then the Life Events tile.
For each eligible dependent you add, you will need to provide:
If you are adding a family member who has never been covered under your benefits, you will also need to submit the proper documentation to verify their relationship to you (e.g., marriage or birth certificate).
If your child qualifies as a disabled dependent, they may be eligible to continue IU health insurance coverage beyond age 26.
Eligibility requirements
To qualify for continued coverage, your child must:
How to request continued coverage
Children are typically removed from their parents' health plan on the last day of the month they turn age 26. To request continued coverage, you must submit a Disabled Dependent Certification Form to Anthem at least 30 days before your child's coverage is scheduled to end due to turning age 26.
You can obtain the required certification form from Anthem in one of two ways:
The certification form must be submitted directly to Anthem. If your child is approved for continued coverage, Anthem will notify IU Human Resources.
If your child is enrolled in dental coverage
Newborn children are covered automatically from the moment of birth for a period of 31 days if (1) you are covered under an IU-sponsored healthcare plan on the child's date of birth and (2) the newborn meets the definition of eligible dependent.
However, for claims to be processed for that 31-day period and for continued coverage beyond the first 31 days, you must enroll the child in your IU-sponsored coverage within 30 days after the child’s birth by (1) submitting a Life Event change through the Employee Center and (2) providing proof that the newborn is a qualified dependent (i.e., birth certificate, or hospital birth certification until birth certificate is available).
Individuals cannot be enrolled under more than one IU-sponsored healthcare plan. Ineligible coverage includes an individual covered as:
University policy does not allow IU spouses to enroll under the lower-compensated spouse. If you and your spouse are both eligible for IU-sponsored coverage, you have two options:
If something changes that affects your dependent’s eligibility, such as marriage, divorce or your child aging out of coverage, you must inform the university in writing within 30 days of the event. Their coverage will end as of the date of the event, regardless of when you report it.
Reporting changes to eligibility in a timely manner is critical. It ensures that your premiums are adjusted accordingly, helps protect your dependent’s rights to continue their coverage through COBRA, and prevents unexpected costs or tax consequences from covering someone who is no longer eligible.
Learn key terms about health plan types, provider types, copayments, and more.
Learn about your continuation coverage options under federal law (Consolidated Omnibus Budget Reconciliation Act, or COBRA) if you separate from the university.
Learn what documentation you’ll need to have handy during tax season.
See healthcare related IRS forms and publications
Learn about your rights and protections under federal law.
Learn about the 1095-C forms that are distributed to IU employees each year.
View machine readable files that are made available in response to the federal Transparency in Coverage Rule.
Your coverage as an employee is effective on the first day of active employment as an eligible employee as long as you enroll within 30 days of becoming eligible (typically your date of hire). However, your coverage will not be activated until your benefit enrollments are received and processed by the university and the plan vendor. This may result in you having to pay for healthcare costs out-of-pocket for a short period of time, however, you can submit claims for reimbursement once your coverage is activated. Once your enrollment is processed, coverage will be applied retroactively to your eligibility date.
If you are placed on leave at the time of initial employment, your coverage will become effective on the first day of active employment.
Your coverage will terminate when your employment terminates or you cease to be a member of the eligible class for coverage. Dependent coverage ends on the date the dependent no longer meets the criteria for dependent eligibility.
For information on opportunities to continue your IU-sponsored healthcare coverage following a change in employment or the loss of coverage by a spouse or dependent due to changes in family status, please refer to the COBRA web page.
For information related to continuing health insurance as an IU retiree, refer to the retiree benefits web page.
You have the opportunity to change your benefits and add or remove dependents during the Open Enrollment period, which takes place in the fall every year.
Learn more about Open Enrollment
At other times of the year, there are some changes you can make if you have a qualifying life event, such as marriage/divorce, birth of a child, or you become eligible for Medicaid/Medicare. You can also enroll in or change your HSA at any time during the year.
Have a question about one of your benefit plans but don't know who to ask?
INDIANA UNIVERSITYHUMAN RESOURCES
