When you choose the Anthem PPO High Deductible Health Plan (HDHP), you have medical, prescriptions, vision, behavioral health, and organ transplant services. There are no waiting periods or limits for pre-existing conditions.
You’ll also be able to open a health savings account (HSA)—a tax-free way to save for your healthcare expenses. Once you are enrolled, IU contributes to it twice every year. Learn all about the HSA at IU.
Find out more about your medical plan on this page:
Contact Anthem by phone
Access your account through the Sydney Health App or Anthem.com
You can view ID cards and claims history, find a physician, or estimate costs for care from your smartphone or tablet 24/7.
The Anthem PPO HDHP combines traditional medical coverage with a tax-advantaged HSA. Here’s how it works:
You have access to Anthem’s extensive network: Blue Access PPO in Indiana, National PPO (BlueCard PPO) in other states, and Blue Cross Blue Shield Global Core overseas. While you can see any provider you choose, you’ll save money by staying in-network.
*Preventive services are routine healthcare services including physical exams, well-child visits, immunizations, lab tests (e.g., Pap, PSA, cholesterol), contraceptive services (e.g., IUDs and sterilization), and other screening diagnostic services like mammograms and colonoscopies.
Here’s a quick look at what you will pay for healthcare services in 2025. To learn more about these terms, check out our health plan guide.
| Cost share type | In-network | Out-of-network |
|---|---|---|
| Deductible | $2,000 (employee-only) $4,000 (all other coverage levels) | $4,000 (employee-only) $8,000 (all other coverage levels) |
| Coinsurance | 20% after deductible | 40% after deductible |
| Out-of-pocket maximum | $4,000 (employee-only) $8,000 (all other coverage levels) | $8,000 (employee-only) $16,000 (all other coverage levels) |
| Preventive medical services | $0 (plan pays 100%, not subject to deductible) | 40% after deductible |
Vision coverage is included with your IU-sponsored medical plan, but it has its own benefits and network providers.
Important note: Costs for vision services don’t count toward your medical plan’s out-of-pocket maximum.
All prescription cost shares count toward your annual HDHP out-of-pocket maximum.
| Prescription type | In-network | Out-of-network |
|---|---|---|
| Retail (up to 90-day supply) | 20% after deductible | Members can submit a claim form and receipt to CVS Caremark for potential reimbursement. |
| Mail order (up to 90-day supply) | 20% after deductible | Not covered |
| Specialty (up to 30-day supply) | 20% after deductible | Not covered |
The amount reimbursed will be equal to the CVS Caremark price for out-of-network prescriptions or the purchase price (less any member cost-share), whichever is lowest. Approved claims will count towards the plan’s annual in-network deductible and out-of-pocket maximum.
Preventive medications
Preventive medications listed on the no-cost share medication list are covered at 100% by the plan. These include items such as generic contraceptives, bowel preps, statins, and tobacco cessation products.
Medications on the HDHP preventive Rx list are covered with a 20% coinsurance and no deductible.
Expand the accordions below for helpful information and links.
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 Anthem.com or the Sydney Health app and using the Find Care tool.
Once your enrollment in the plan has been processed, usually within 7-10 business days after your enrollment, Anthem will mail physical ID cards to your home address on file.
Cards can also be accessed digitally by logging in to Anthem.com 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 Anthem.com or by calling Anthem Customer Service at 844-736-0920.
Your coverage travels with you. We’ve got you covered in Indiana, other states, and even overseas.
Find answers to our top questions and learn how to get in touch if you can’t find what you need on our website.
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