Medical Coverage for Retirees Over Age 65

IU Blue Retiree Plan

The IU Blue Retiree Plan is a group medical plan designed specifically for IU Retirees and spouses age 65 and older who are enrolled in Original Medicare (Parts A and B). Original Medicare pays for some, but not all, of the cost for covered healthcare services and supplies. The IU Blue Retiree Plan can help pay some of the remaining costs such as copays, coinsurance, and deductibles, and offers coverage for services that are not covered by Medicare, including medical care received overseas. There is also a wellness benefit that includes limited coverage for dental and hearing. 

Enrollment in the plan includes telehealth visits, vision coverage, a Silver Sneakers membership, identity protection services, discounts on health and well-being products, and more. 

This plan does not provide prescription benefits. You must enroll in Medicare Part D to have prescription coverage.

Summary of Benefits

Coverage – Medical Services

Basic Medical Benefits are based on paying what Medicare doesn't pay:

  • Medicare A deductible
  • Medicare B deductible and coinsurance

Major medical benefits are subject to deductible and copays. This includes covered services that Medicare does not pay in full, for example:

  • skilled nursing facility charges beyond 100 days,
  • charges over the Medicare allowed amount (up to UCR allowances) for covered services rendered by unassigned providers,
  • hospital inpatient after day 150, and
  • skilled nursing services provided outside a hospital.

There is a wellness benefit to the plan that includes limited coverage for dental, vision, and hearing.

Coverage – Prescription Drugs

This plan does not provide prescription benefits. Participants must enroll in Medicare Part D to have prescription coverage.

Coverage – Vision

Coverage includes vision and vision wear coverage through Anthem Blue View Vision.


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.

Silver Sneakers

ilverSneakers is a no-cost fitness benefit with access to 15,000+ fitness locations nationwide. The program also includes online resources, guidance from fitness staff, signature classes, social connections, and more.

Visit to get started.

Silver Sneakers Program Flyer

Silver Sneakers Go Mobile App

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
  • Addition or loss of coverage under another group health plan

Contact IUHR at  or (812) 856-1234.

Terminating Coverage

Retirees may terminate coverage 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 833-363-1429