Medical Coverage for Retirees Under Age 65

COBRA Continuation Coverage
Under Federal law, employees enrolled in a medical or dental plan at the time of separation can temporarily continue their coverage (called COBRA continuation coverage) at group rates. COBRA coverage may be attractive to Retirees because it allows the participant to temporarily maintain PPO plan coverage, dental coverage, and transplant benefits; and maintain Open Enrollment options (e.g., adding dependents which is not allowed once enrolled in the Retiree plans). Learn more about COBRA.

Anthem PPO High Deductible Health Plan (HDHP)

When a Retiree separates from the university before reaching age 65 (the age of Medicare eligibility), this plan acts as a transition plan. Family members under age 65 can also enroll in this plan.

Summary of Benefits

Coverage – Medical Services

When network providers are used, participants receive full benefits. Partial benefits are received from non-network providers, except in the case of an emergency. Network providers include Anthem Blue Access PPO providers in Indiana, Ohio, and Kentucky and BCBS Blue Card providers in other states. Prescription coverage is the same as for active employees in this plan.

Coverage – Prescription Drugs

Coverage includes prescription coverage at the same level as for active employees in this plan.

Coverage – Vision

Coverage includes vision and vison wear coverage at the same level as for active employees in this plan.


Anthem medical plan members have 24/7 access to board-certified doctors from a smartphone, tablet, or computer with a webcam with LiveHealth Online. Telehealth visits are already part of your medical plan coverage and only cost $59 per visit.

The doctor can assess your condition, provide treatment options and even send a prescription to the pharmacy of your choice, if needed. With telehealth you can receive medical care for things like:

  • The flu
  • A cold
  • Sinus infection
  • Pink eye
  • Rashes
  • Fever
  • And more

Get started at, or download the mobile app for Apple or Android.

Learn to Live Emotional Well-Being

Your medical coverage through Anthem includes access to emotional well-being resources administered by Learn to Live. Built on the proven principles of cognitive behavioral therapy (CBT), the program is designed to help you identify thoughts and behavior patterns that affect your emotional well-being, and work through them. The program includes 24/7 access to personalized coaching, weekly mindfulness tips, live and on-demand webinars, and more.

To get started log on to, go to My Health Dashboard, choose Programs, and select Emotional Well-Being Resources.

Learn to Live Program Flyer

AllClear Identity Protection

Anthem has partnered with AllClear ID, a leading identity protection service, to help keep your personal information secure. This service is offered with our health plans at no extra cost. Here’s what you get:

  • AllClear Identity Repair. This benefit is available to all members automatically. If you ever become a victim of identity theft or are concerned there’s a problem with your credit, AllClear will help you fix the issues and restore your information. Just call AllClear at 1-855-227-9830. 
  • AllClear Credit and Identity Theft Monitoring. This services requires voluntary enrollment, but is available at no cost. In addition to credit and identity theft monitoring, you’ll get identity repair, up to $1 million in identity theft insurance, an annual credit score and report (on request), the ability to set fraud alerts on your credit file, and more.

Ready to learn more or sign up? Visit or call AllClear ID at 1-855-227-9830, Monday – Saturday, 8 a.m. to 8 p.m. CT.

Sydney Health Mobile App

With Sydney, you can find everything you need to know about your Anthem benefits -- personalized and all in one place. Sydney makes it easier to get things done, so you can spend more time focused on your health. With just one click you can find care, check costs, review your benefits, see claims, view and use your digital ID card, and more.

Download the Sydney Health app for your Apple or Android device to get started.


As an Anthem medical plan member, you can get discounts on products and services that help promote better health and well-being. Some of these offers include discounts on eye wear, LASIK, hearing aids, FitBit, Jenny Craig, 23andMe, Nationwide Pet Insurance, allergy supplies, and more. Click here to learn more about these discounts.

To find the discounts available to you, log in to, choose Care, then select Discounts.  

If you do not yet have an online Anthem account, click the blue “Register now” link to create your account. Be sure to have your ID card handy.

Enrollment & Changes


Once your department finalizes your separation date, IU Human Resources will mail health plan information and enrollment forms to your home address. The university allows Retirees 60 days from the date of retirement to enroll in an IU medical plan.


Former employees with IU Retiree status are eligible to enroll if covered by an IU health plan at the time of retirement from the (or when COBRA eligibility ends).

Eligible dependents include the individuals listed below, if they are eligible and covered by the Retiree's IU-sponsored health plan at the time of separation from the university (or when COBRA eligibility ends).

Once enrolled in an IU Retiree medical plan, dependents cannot be added. Dependents are only eligible as long as the Retiree is enrolled. Surviving dependents are eligible if the former employee has Retiree status at the time of death or the Retiree’s death occurs while the dependents are covered under the Retiree's IU-sponsored plan.

Changes in Status

It is your responsibility to notify IU Human Resources of any changes that will affect communications or eligibility including:

  • Changes in status such as, divorce, legal separation, change in disability status, or death of a covered individual.
  • Address changes
  • Entitlement to Medicare
  • Addition or loss of coverage under another group health plan

Contact IUHR at  or (812) 856-1234.

Terminating Coverage

Retirees may terminate coverage altogether at any time by notifying IU Human Resources at or (812) 856-1234.

Retiree coverage ends on the first day of the month that the required contribution is not made. Dependent coverage ends when:

  • the Retiree's coverage ends for a reason other than death;
  • they cease to meet the definition of an eligible dependent;
  • upon discontinuance of all dependent coverage under the plan; or
  • when the dependent becomes eligible for employee coverage.

It is also important to note the following conditions of participation in IU-sponsored Retiree health coverage:

  • After dropping IU-sponsored Retiree health care coverage, participants cannot re-enroll at a later time.
  • Dependents of a participating Retiree may continue coverage should the Retiree pass away.
  • If the Retiree and dependents do not elect an IU-sponsored medical plan at the time of retirement, they cannot participate at a later time.

Customer Service

IU Human Resources
Retirees can contact IU Human Resources at or (812) 856-1234 for information about retirement, retiree benefits, and/or COBRA.

Medical - Anthem
Customer Service Center 844-736-0920
Precertification 800-345-4348
Get coverage when traveling out-of-state or overseas. (select Blue Access PPO) BlueCard network providers outside of Indiana: 800-810-2583 or

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