Human Resources

Eligibility and Enrollment

Participation in this plan is mandatory for IU School of Medicine (IUSM), IU School of Dentistry (IUSD), IU School of Health and Human Sciences (SHHS), and IU School of Optometry (IUSO) students who are currently taking classes. If you are an eligible student, you are automatically enrolled in the plan each semester and billed for the premium through your bursar account. Participation is mandatory unless proof of comparable coverage and a waiver form are submitted and approved by the deadline (see Premiums and Deadlines below). An email detailing the waiver process and any applicable deadlines is sent to eligible students each plan year.

Dependent Coverage

As an eligible student, you have the option to insure your dependents for an additional cost, including your spouse and unmarried children under the age of 26. Coverage is only available to your dependents if and when you are insured under the plan. Dependents must be enrolled by the deadlines listed in the tables below.

Enrollment can be completed online or by paper form. Regardless of your enrollment method, Anthem must receive your application and premium payment no later than the enrollment deadline listed below. Dependent premiums can be paid at the time of enrollment or by monthly installments; however, they cannot be charged to your bursar account.

Enroll Your Dependents

If the enrollment deadline has passed, you cannot enroll your dependents until the next coverage period, unless there has been a significant life change known as an IRS-qualifying life event (i.e., marriage, birth, loss of prior coverage). If enrollment is submitted within 30 days of the qualifying event, coverage will be backdated and begin on the date of the qualifying event. Enrollments submitted more than 30 days after the qualifying event will not be accepted, and you will have to wait until the next coverage period to enroll. Contact the Student Insurance Specialist at 812-856-4650 or for more information.

Premiums and Deadlines

Medical Coverage While Traveling

Your medical coverage follows you wherever you go, including across the United States and overseas. As an Anthem member, you have access to care across the country through the BlueCard PPO program, and outside the U.S. through the Blue Cross Global Core program. Download this flyer to learn how to access medical care while traveling.

Emergency Travel Services and AD&D Benefit

Your health plan coverage includes Academic Emergency Services (AES). With AES you have access to 24/7 assistance if you experience an emergency while traveling over 100 miles from home or outside your country. Services available include emergency medical evacuation and repatriation, pre-travel and safety assistance, and an accidental death & dismemberment (AD&D) benefit. Learn more by reviewing Plan Provisions (coming soon) or the AES Flyer & Expense Claim Form. AES is available 24/7 by calling 1-855-873-3555 (within the U.S.) or 1-610-263-4660 (outside the U.S.).

Waiving Coverage

If you have existing health insurance coverage, you may be eligible to waive enrollment in the Professional Student Plan. To be eligible, your existing health insurance must be in place at the beginning of the semester/term and meet all of the following requirements: 

• Provides coverage anywhere in the U.S. 
• Provides emergency coverage internationally 
• Provides coverage for pre-existing conditions
• Provides essential health benefit coverage:
  • Ambulatory patient services;
  • Emergency services;
  • Hospitalization;
  • Maternity and newborn care;
  • Mental health and substance use disorder services;
  • Prescription drugs;
  • Rehabilitative and habilitative services and devices;
  • Laboratory services;
  • Preventive and wellness services and chronic disease management; and
  • Pediatric services, including oral and vision care. 
• Has an annual deductible of $6,900 (individual) / $13,800 (family) or less
• Has an Out-of-Pocket Maximum of $9,100 (individual) / $18,200 (family) or less
• Has at least a $1,000,000 maximum benefit per lifetime per condition
• Additionally, you must acknowledge that your health insurance coverage will remain in force for the entire academic year. If you involuntarily lose coverage prior to the end of the academic year, you agree to contact our office at  within 30 days of the date your coverage ends to enroll in the Professional Student Plan.  

The following types of plans do not qualify as eligible coverage:

• Out-of-state HMO plans 
• Fixed Indemnity plans
• Short Term Insurance plans 
• Emergency only coverage in Indiana plans
• Medical share plans

The Healthy Indiana Plan (HIP) and Medicaid coverage will qualify as eligible coverage. However, these plans do not meet the full requirements regarding coverage outside of the state of Indiana, and abroad. Therefore, you may need to supplement when traveling.

How to Submit a Waiver

Frequently Asked Questions

More FAQs

Plan Documents

• Medical Plan Overview Brochure
• Medical Plan Summary
• Medical Plan Summary of Benefits and Coverage
• Medical Plan Booklet
• Dental Plan Summary
• Vision Plan Summary

Additional Questions?

Anthem Student Insurance Plans
Phone: 844-412-0752
Web: www.anthem.com

University Health Plans—For Waiver Information ONLY
Phone: 833-251-1717
Web: www.universityhealthplans.com/intro/Indiana.html
Email:

IU Human Resources
Student Insurance Specialist
Phone: 812-856-4650
Email: