Health Plans & 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:

• Full name
• Date of birth
• Social Security Number

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).

Your dependent child’s health coverage may continue beyond age 26 if they are fully disabled. For the purposes of determining eligibility for IU-sponsored health coverage, a child qualifies for disabled child eligibility if they are:

• fully disabled, that is, incapable of engaging in self-sustaining employment because of a mental, intellectual, or physical impairment; and
• primarily dependent on the employee for support and maintenance and does not have personal resources sufficient to be fully self-supporting (for example, trust funds or settlements); and
• unmarried; and
• covered under the employee’s IU-sponsored health plan at the time he/she reaches age 26.

You must provide written notification that your child meets the criteria for disabled child eligibility at least 30 days before their coverage would normally end because of their age (turning 26).

You’ll also need to provide additional written documentation and medical certification within 120 days after your child would typically lose eligibility. The university may ask for proof that your child still meets the requirements for disabled dependent coverage. If you don’t provide this information, your child’s coverage could end.

Contact askhr@iu.edu for questions or to request the form to certify your child as a disabled dependent.

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).

Add a child

Individuals cannot be enrolled under more than one IU-sponsored healthcare plan. Ineligible coverage includes an individual covered as:

• the employee on more than one IU plan, or
• as both an employee on one IU plan and a dependent on another IU plan, or
• as a dependent of more than one IU employee.

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:

• Each employee can enroll as “employee only” or “employee with children” in separate plans under their own salary bands; or
• Both can enroll in one plan as “employee with spouse” or “family” in the higher compensated spouse’s salary band.

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.

Notify us of dependent ineligibility