The Anthem Preferred Provider Organization (PPO) $500 Deductible Health plan gives you comprehensive coverage that includes medical, prescriptions, vision, behavioral health, and organ transplant services. There are no waiting periods or limits for pre-existing conditions.
Learn 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 $500 Deductible Plan is a traditional medical plan. 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.
View the 2026 Medical Plan Summary or 2025 Plan Booklet for more information.
Here’s a quick look at what you will pay for healthcare services in 2026. To learn more about these terms, check out our health plan guide.
| Cost share type | In-network | Out-of-network |
|---|---|---|
| Deductible | $500 per member | $900 per member |
| Coinsurance | 20% after deductible | 40% after deductible |
| Out-of-pocket maximum (medical) | $2,400 per member | $6,850 per member |
| Out-of-pocket maximum (prescriptions) | $8,200 per member | Not applicable |
| Preventive medical services* | $0 (plan pays 100%, not subject to deductible) | 40% after deductible |
*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.
Vision coverage is included with your IU-sponsored medical plan, but 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.
Visit the vision page for details about your vision coverage.
This plan has flat dollar copays and an out-of-pocket maximum for in-network prescriptions separate from the medical plan. For 2026, it is $8,200 per member/$14,000 family maximum. If you request a brand drug with a generic version, you must pay the generic copay plus the cost difference between the brand and generic.
2026 retail and mail order copays
| Service | Retail (up to 30-day supply) | Retail (31–90-day supply) | Mail order (up to 90-day supply) |
|---|---|---|---|
| Tier 1 (Generic) | $8 | $20 | $20 |
| Tier 2 (Preferred Brand) | $25 | $62 | $62 |
| Tier 3 (Non-Preferred Brand) | $45 | $112 | $112 |
Out-of-network:
Estimate drug costs for the PPO $500 plan
Note: The prices shown in this tool are estimates and may vary based on your pharmacy and prescription quantity. Always confirm the final cost with your pharmacy. Current members can log in to their CVS Caremark account for personalized pricing
Preventive medications on the No Cost Share Medication List are covered by the plan 100%.
2026 specialty drug copays
Up to 30-day supply through Archimedes. When using copay assistance, only the actual amount you pay counts towards your prescription out-of-pocket maximum.
In-network:
Out-of-network: Not covered.
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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