Anthem PPO High Deductible Health Plan (HDHP)

Medical coverage for retirees under age 65

The Anthem PPO High Deductible Plan acts as a transition plan when a retiree separates from the university before reaching age 65, the age of Medicare eligibility.

Once your separation date is finalized, IU Human Resources will mail health plan information and enrollment forms to your home address. Retirees have 60 days from the date of retirement to enroll in an IU medical plan.

View the Medical Plan Summary or Plan Booklet for more information.

Your benefits explained

Participants and their dependents receive full benefits when they use an in-network provider and partial benefits from non-network providers. Network providers include Anthem Blue Access PPO providers in Indiana, Ohio, and Kentucky, and BCBS Blue Card providers in other states.

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

This plan includes vision and vision wear coverage at the same level as for active employees.

COBRA coverage

Under Federal law, employees enrolled in a medical or dental plan at the time of separation can temporarily continue their coverage at group rates.

Learn more about COBRA

Medical plan premiums

Anthem U65 PPO HDHP
Coverage LevelsMonthly Premiums
One participant$493.36
Participant and child(ren)$943.88
Participant and spouse$1,313.97
Participant and family $1,487.80

No-cost extras

Anthem medical plan members have 24/7 access to board-certified doctors from any device with a webcam with LiveHealth Online. Telehealth visits are already part of your medical plan coverage and start as low as $55 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:

  • Flu
  • Cold and fever
  • Sinus infection
  • Pink eye
  • Rashes
  • Headache
  • Tooth pain

Get started at www.livehealthonline.com, or by installing the app

Download from Google Play Store   Download from App Store

Built on the proven principles of cognitive behavioral therapy (CBT), Learn to Live 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 anthem.com, go to My Health Dashboard, choose Programs, and select Emotional Well-Being Resources.

Discounts

Your medical plan gets you discounts on products and services that promote better health, including special offers on eye wear, LASIK, hearing aids, FitBit, Jenny Craig, 23andMe, Nationwide Pet Insurance, allergy supplies, and more.

To find your discounts, log in to anthem.com, choose Care, then select Discounts.

Learn more about your available discounts.

Eligibility and changes

Former employees with IU retiree status who are under age 65 are eligible to enroll if covered by an IU health plan at the time of retirement or when COBRA eligibility ends.

Dependent Eligibility

A retiree’s dependents (spouse and eligible children) are covered by the retiree’s IU-sponsored health plan if they are eligible and covered at the time of separation from the university.

Once enrolled in an IU retiree medical plan, no new dependents cannot be added. Dependents are only eligible as long as the retiree is enrolled. If the retiree passes away, 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. However, 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.

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 askHR@iu.edu or (812) 856-1234.

Retirees may terminate coverage at any time by notifying IU Human Resources at askHR@iu.edu or (812) 856-1234. Once a retiree terminates IU-sponsored retiree healthcare coverage, they cannot re-enroll at a later time.

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
  • Discontinuance of all dependent coverage under the plan
  • When the dependent becomes eligible for employee coverage.

Customer Service

IU Human Resources
Retirees can contact IU Human Resources at askHR@iu.edu 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.

BlueCard (and select Blue Access PPO) network providers outside of Indiana:
Phone: 800-810-2583
Web: anthem.com OR www.bcbs.com

Prescription - CVS Caremark
Member Services and Mail Order Services: 866-234-6952
Web: www.caremark.com