Anthem PPO $500 Deductible Health Plan

The Anthem Preferred Provider Organization (PPO) $500 Deductible Health Plan includes comprehensive coverage for medical, prescription, vision, behavioral health, and organ transplant services with no pre-existing condition limits or waiting periods.

Plan Basics


This is a traditional PPO medical plan. Under this plan, all covered services (except emergency room, in-network urgent care, prescriptions, and transplants) are subject to the annual deductible. The deductible is a dollar amount of out-of-pocket costs you must pay each year before the plan will begin paying its share of your healthcare expenses. You pay flat-dollar copays for prescriptions and emergency/urgent care, with most other in-network services covered with a 20% coinsurance after you meet your deductible

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. You can visit any provider or facility, but you receive a higher level of benefits when you use these in-network providers.

2023 Monthly Premium

Your monthly premium is determined by your level of coverage and your base salary. Contributions are deducted before tax. You can reduce your monthly premium by $25 for yourself or your spouse (or $50 for both) by certifying that you do not use tobacco products each year.

Monthly Employee Contribution
Employee’s Annual Base Salary*
Below $37K
$37K -
$65K -
$100K -
$150K -
$200K -
and Above
Employee-only $162.14 $195.96 $253.78 $303.03 $354.12 $407.14 $462.11
Employee & child(ren) $291.84 $352.74 $456.81 $545.46 $637.41 $732.84 $831.81
Employee & spouse $429.66 $519.32 $672.54 $803.05 $938.41 $1,078.92 $1,224.64
Family $518.83 $627.07 $812.12 $969.69 $1,133.17 $1,302.83 $1,478.78

* The employee’s salary band is determined by the annual base salary at the time payroll runs each month. For School of Medicine full-time faculty who receive a portion of their pay from an IU Health or VA paycheck, annual base salary includes both IU base salary and certain IU Health fixed and/or variable compensation, as determined by the School of Medicine.

2023 Cost Shares


  • In-Network: $500 individual (per member)/$1,500 family maximum
  • Out-of-Network: $900 individual (per member)/$2,700 family maximum


  • In-Network: 20% after deductible
  • Out-of-Network: 40% after deductible

Out-of-Pocket Maximum (Medical)

  • In-Network: $2,400 per member/$7,200 per family
  • Out-of-Network: $6,850 per member/$13,700 per family

Out-of-Pocket Maximum (Prescriptions)

  • In-Network: $6,700 per member/$11,000 per family

In- and out-of-network deductibles and out-of-pocket maximums are separate and do not accumulate toward each other. Additionally, the out-of-pocket maximum for in-network prescriptions is separate from the medical out-of-pocket maximum.

Prescription Benefit

Retail (up to 30-day supply)
Tier 1 - $8 / Tier 2 - $25 / Tier 3 - $45
Non-Covered Drugs (with Network Discount) – Member pays 100%

Retail at CVS Pharmacy (up to 90-day supply)
Tier 1 - $20 / Tier 2 - $62 / Tier 3 - $112
Non-Covered Drugs (with Network Discount) – Member pays 100%

Mail Order (up to 90-day supply) and Specialty (up to 30-day supply)
Tier 1 - $20 / Tier 2 - $62 / Tier 3 - $112
Non-Covered Drugs (with Network Discount) – Member pays 100%

In-network prescriptions have a separate out-of-pocket maximum from the medical plan: $6,700 per member/$11,000 per family. Once this out-of-pocket maximum is met the plan pays 100% of in-network covered prescriptions for the remainder of the plan year.

Additional Services

The following programs are available to Anthem PPO members:

  • Sydney Health App – Access your account information including claims history and ID cards, find a physician, or estimate costs for care from your smartphone or tablet 24/7.
  • LiveHealth Online Telehealth – Visit with a board-certified physician virtually for common conditions such as rashes, allergies, pink eye, or the flu. Visits are available 24/7 and cost just $59.
  • AllClear ID Protection – Identity repair, credit monitoring, and identity monitoring from AllClear ID is provided to all Anthem members at no cost. Visit to enroll. Renewal required annually.
  • Learn to Live Emotional Well-Being – Digital support and resources to help you and your family live your happiest, healthiest lives including 1:1 coaching, support teams, webinars, and more.
  • Discounts – Find discounts on products and services that help promote better health including vision and hearing services, fitness trackers, gym memberships, and more.
  • Complimentary Clinical Review – If you are someone with a complex medical condition, you may want to learn as much as possible about your diagnosis, available treatment options, or a second opinion about the typical treatment plans that may be right for you. Through an exclusive offering for Anthem members, you can now receive a virtual Complimentary Clinical Review from top-ranked experts in specialties such as heart, cancer, gynecology and urology at the Cleveland Clinic. This clinical review is available to you at no extra cost.

Top Frequently Asked Questions

Below are answers to the most frequently asked questions regarding the Anthem PPO $500 Deductible Plan.  

Where can I find my Anthem ID Card?

Once your enrollment in the plan has been processed, Anthem will mail your physical ID cards to your home address on file.

Cards can also be accessed digitally by logging in to 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 or by calling Anthem Customer Service at 844-736-0920.

Does this plan include enrollment in a Health Savings Account (HSA)? 

No. You must be enrolled in the Anthem High Deductible Health Plan (HDHP) to be eligible for enrollment in the HSA through IU.

However, you may be interested in enrolling in the Healthcare Flexible Spending Account (FSA), another tax-advantaged account that can be used to pay for IRS-qualified health expenses for you, your spouse, and your children up to age 26.

What are preventive services?

Preventive services are routine healthcare services including physical exams, well-child visits, immunizations, lab tests (e.g., Pap, PSA, cholesterol), contraceptive services (e.g., IUD’s and sterilization), and other screening diagnostic services like mammograms and colonoscopies. You can view the list of preventive medical services or call Anthem Customer Service at 844-736-0920 for more information. Preventive services are covered at no cost when in-network providers are used.

How do I find a health care provider?

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 or the Sydney Health app and using the Find Care tool.

What pharmacies can I use?

The CVS Caremark pharmacy network includes most retail chain pharmacies, such as CVS, Walmart, and Target, and most supermarket and club pharmacy chains. Walgreens is not an in-network pharmacy. To locate network pharmacies or check prescription coverage and costs log in to or the Caremark app.

Does the plan include vision and vision wear coverage?

Yes. Vision and vision wear coverage is provided through Anthem Blue View Vision. This coverage is included with your medical plan enrollment, but vision services have their own schedule of benefits and network separate from medical benefits. Visit the Vision benefit page for more information.

More Anthem PPO $500 FAQs

Customer Service Contacts

Medical - Anthem
Member Services: 844-736-0920
Precertification: 866-643-7087
Blue Access PPO providers in Indiana:
BlueCard PPO providers nationwide:
BCBS Global Core providers internationally: or 800-810-2583

Prescription - CVS Caremark
Member Services: 866-234-6952
Mail Order Services: 866-234-6952

Vision - Anthem Blue View Vision
Member Services: 866-723-0515

IU Human Resources
Phone: 812-856-1234