Health Care & Benefits

Health Care Options

What should I do if I am sick and need to see a doctor?

If you feel sick, you should stay home and contact a medical professional. For employees and dependents enrolled in an IU-sponsored medical plan, the following options are available to quickly access care:

  • Use Telemedicine/Visit a Doctor Online [$]

    All IU medical plan members have 24/7 access to board-certified doctors from a mobile device or computer with a webcam. With telemedicine you can receive care for things like the flu or a cold, pink eye, rashes, fever, and more. Doctors are available to assess your condition, provide treatment options, and even send a prescription to your pharmacy. There is no cost to use the telemedicine option through June.

    Anthem Plan Members: LiveHealth Online

    IU Health Plan Members: IU Health Virtual Visits

  • Visit a Retail Walk-in Clinic [$$]

    Retail walk-in clinics provide care without an appointment for routine illnesses or injury. These clinics may offer extended hours into the evening and weekend, and may provide some lab and x-ray services. Walk-in care is covered by the IU medical plans with applicable copays and deductibles, and is generally less expensive than visiting an urgent care center. Walk-in options include CVS Minute Clinics, Kroger Little Clinics, and many other local locations.

    Search for a provider: Anthem & IU Health

  • Visit an Urgent Care [$$$]

    Urgent care centers treat patients who have a more complex injury or illness that requires immediate care, but is not serious enough to warrant a visit to the ER. These clinics offer extended hours into the evening and weekends, and most provide lab and x-ray services.Urgent care is covered by the IU medical plans with applicable copays and deductibles. Visits typically cost more than visits to your doctor or walk-in clinics.

    Search for a provider: Anthem & IU Health

  • Go to the Emergency Room [$$$$]  

    Never hesitate to use ER care, or dial 9-1-1, when facing a health emergency. ER visits are covered by the IU medical plans with standard copays and deductibles when it is an emergency situation. Non-emergency services received in the ER when more appropriate settings are available may not be covered.

Last updated March 20, 2020

Does IU provide telemedicine options as part of the IU-sponsored healthcare plans and how much does it cost?

All members of IU-sponsored medical plans have 24/7 access to board-certified doctors from a smartphone, tablet or computer with a webcam. Telemedicine visits are already part of your medical plan coverage and all copays for accessing care now through June is covered at no cost, for any reason. Anthem plan members can access LiveHealth Online and IU Health plan members can access the IU Health Virtual Visit option. Anthem also offers online psychology and psychiatry services as well as specialized pediatric medical practitioners for members covered by an IU-sponsored medical plan with Anthem.

Because Telemedicine has become popular in the last month, please note the wait times may be longer. However, telemedicine offers convenience to access care from your home and flexibility to call at any time of day. Telemedicine does not replace the need to coordinate your care with your primary care provider and is not designed to address emergency situations. If you have an emergency, call 911.

Anthem Plan Members: LiveHealth Online

IU Health Plan Members: IU Health Virtual Visits

Last updated March 20, 2020

My dental office is closed, but I have a dental emergency. What should I do?

Many dental offices are limiting available appointments for emergency needs only or have closed due to state and local recommendations. While many routine dental visits are being postponed, dental emergencies may still need immediate care. A dental emergency generally includes the following symptoms: severe pain, acute infection, swelling, and/or persistent bleeding.

In the event of a dental emergency, contact your personal dentist to service and guide your care options. If you do have a dentist or the dental office is closed, Cigna can assist by helping to find care by calling 800-244-6224 or visiting https://my.cigna.com.

Last updated March 20, 2020

COVID-19 Testing & Coverage

Can I request a COVID-19 Test?

Medical personnel, in consultation with the state health department, will determine if an individual should be tested for COVID-19. This test requires a doctor’s order. You can call a medical professional or your primary care physician for assistance.

Additionally, IU Health is offering a free, COVID-19 virtual clinic screening option for all Hoosiers, regardless of age. The clinic will screen patients from home via an IU Health app, potentially eliminating the need to visit physician offices, urgent cares or emergency departments. They can recommend and facilitate appropriate pathways for care, and provide direct access and communication with local hospitals as medically appropriate. Visit the IU Health website for step-by-step instructions on how to download and connect to the IU Health Virtual Clinic App.

Last updated March 13, 2020

Will my IU-sponsored healthcare plan cover the cost of a COVID-19 Test?

Yes, if a medical professional orders a COVID-19 Test for you, it will be covered at no cost under all IU-sponsored healthcare plans. This means that all copays, deductibles, and out-of-pocket costs are waived for the focused test used to diagnose COVID-19. In addition, this will be extended to include waiver of copays, coinsurance, and deductibles for visits associated with in-network COVID-19 testing, whether the care is received in a physician’s office, an urgent care center or an emergency department. If you have other treatment needs, see the next question. Coverage for the COVID-19 Test includes employees, students, and their dependents enrolled on the following IU-sponsored healthcare plans:

  • Fellowship Recipients
  • Graduate Appointees
  • International Students
  • School of Medicine Students
  • School of Dentistry Students
  • IU Residents (Medical and Optometry Residents)
  • Employees on the Anthem PPO $500, Anthem HDHP, Anthem Under-65 Retiree, IU Health HDHP, and all COBRA participants

Last updated March 17, 2020

Will my IU-sponsored healthcare plan cover expenses associated with treatment of COVID-19? updated 4/3

Yes. If you require an office visit for testing or treatment for a diagnosed case of COVID-19, you will be covered. All employee cost shares will be waived and all costs covered at 100% if receiving treatment for COVID-19 from doctors, hospitals, and other health care professionals from April 1 through May 31, 2020. For additional coverage details, visit the IU HR benefits webpage.

Last updated April 3, 2020

What should I do if I need a COVID-19 test or treatment and I am not covered by an IU-sponsored medical plan?

If you have coverage through another employer or plan, please contact your insurance company to ask about coverage for both the COVID-19 Test and COVID-19 treatment

If you do not have medical coverage, IU Health is offering a free, COVID-19 virtual clinic screening option for all Hoosiers, regardless of age. The clinic will screen patients from home via an IU Health app, potentially eliminating the need to visit physician offices, urgent cares or emergency departments. They can recommend and facilitate appropriate pathways for care, and provide direct access and communication with local hospitals as medically appropriate. Visit the IU Health website for step-by-step instructions on how to download and connect to the IU Health Virtual Clinic App.

Last updated March 13, 2020

Prescriptions

What can I do to make sure I have the medications I need?

Those enrolled on an IU-sponsored healthcare plan can get a 90-day supply of their maintenance medications through home delivery pharmacy, as well as select retail pharmacies. See the next question about the 90-day supply for more details.

Last updated March 10, 2020

How can I get a 90-day supply of medication?

For those on maintenance medication, you can change from a 30-day supply to a 90-day supply available at CVS pharmacies. If you don’t have a prescription for a 90-day supply, talk to your doctor to see if a 90-day supply is an option for you. If you have specific questions about the medicine you take, call the pharmacy services number on your ID card.

Last updated March 17, 2020

Are pharmacies prepared for potential drug shortages?

Both Anthem and CVS have indicated they are closely monitoring the global drug manufacturing environment. They do not see any disruptions to the supply chain that will affect their ability to fill prescriptions for plan members, now and into the near future. Members who are on maintenance medications are encouraged to refill them in a timely manner.

In addition, the Food and Drug Administration is closely monitoring medications that are made in China or rely solely on active pharmaceutical ingredients from China. The agency has said it has reminded more than 180 manufacturers to notify the FDA of any potential supply chain disruptions. IU is working with Anthem and CVS to ensure we can notify our IU-sponsored plan members if potential disruptions arise and share contingency plans to address them.

Last updated March 10, 2020

Dependent Care

Can I adjust my TSB Dependent Care election due to the school and daycare facility closures?

Yes, this would be considered a qualifying life event that would allow you to make an election change. Go to One.IU, the Employee Center and click on the Benefits tab. Click on ‘Start Life Event’. Choose ‘ Change in cost of Dependent Care’ as the event type. You are able to increase your election if your replacement-care is more expensive or stop or decrease your election if you are no longer paying for dependent care. You can only lower your election down to the amount of deductions that have been taken YTD (no refunds will be issued). You will need to provide documentation from your daycare provider that states the closure, however, this could be in the form of a personalized or generic letter, email or closure notice from the provider’s website.

If your dependent returns to daycare before the end of the year, that will qualify as another life event where you can adjust your election to cover the anticipated costs for the remainder of the year.

Last updated March 18, 2020

Maintaining Physical & Mental Health

What assistance is available to help me cope with the emotional impact of the situation?

In situations such as these, recognize that feelings such as loneliness, boredom, fear of contracting disease, anxiety, stress, and panic are normal reactions. The resources listed below are available to help you and your family cope with the emotional impact of this situation:

  • Call SupportLinc, IU’s Employee Assistance Program (EAP) at 1-888-881-LINC (5462). This program offers 24/7 access to professionally licensed mental health clinicians who provide confidential, short-term assistance and referrals to help you cope with these types of events. This service is available at no cost to benefit-eligible employees, IU Residents, Graduate Appointees, Fellowship Recipients, and their spouse and dependent children living in the same household.
  • Follow these tips from Centers for Disease Control & Prevention to support your own well-being and overall health so that you are in a strong and stable position to help others do the same.
  • Employees enrolled on an IU-sponsored Anthem medical plan can schedule time to speak with a licensed psychologist or psychiatrist from the privacy of their home through LiveHealth Online, the plan’s telemedicine option.
  • list of counseling resources, including national, statewide and IU campus-specific resources, is available at the Healthy IU website.

Last updated March 26, 2020

What resources are available to help maintain my health during this situation?

Healthy IU has a collection of personal well-being resources that can help. Check back, as more resources will be added.

Healthy IU Well-Being Resources

Last updated March 25, 2020

Can I access WW meetings virtually if I normally attended an on-campus meeting?

Beginning March 19, for members with a Digital + Workshops membership, WW is now offering virtual workshops through Connect—WW’s private social network exclusively for WW members. Your link to join and a schedule of Workshop times will be available in your Virtual Studio. It will also be a hub for you and fellow Studio members to post, get strategies from a WW Coach, and stay updated. To find your Connect group:

  1. Open Connect in the WW app (look for the icon with three people at the bottom of your screen)
  2. Click “See all” next to groups.
  3. Scroll to the bottom of the page, and tap “Browse groups
  4. In the search bar, type in “IN Workshop
  5. Select the location you normally visit
  6. Don’t see your usual Workshop? Yours has been rolled into a larger Virtual Workshop, so check out other groups in your area.

The virtual workshops were designed to include Workshops members that attend in the workplace and in the community. The virtual workshops will have about 100-150 attendees in them.

Last updated March 19, 2020

Retirement Plans

I need to meet with Fidelity and I am not sure how to do that at this time.

You are always welcome to contact  and IU Human Resources is happy to assist when possible. However, some services must be completed directly with Fidelity by the plan participant. Fidelity remains open and is conducting business as usual with modifications.

Employees can continue to schedule meetings with Fidelity to have questions answered, review accounts, change investment options, and discuss retirement planning. 

  • Existing On-site Appointments: The Fidelity on-site representatives are in the process of personally contacting participants with upcoming scheduled appointments to inform them that they will now conduct the appointment by phone or virtually. The appointment will take place with the same representative the participant was scheduled to meet with onsite.    
  • On-line Scheduling: Fidelity is still accepting 1:1 appointments with the on-site representatives, so it should be business as usual to ensure participant questions are answered and meetings can continue. However, the appointment scheduling system has been updated to inform participants that all meetings will be by phone or virtual at this time. 
  • Call Anytime: The Fidelity phone-based representatives are also available to help participants. They can provide the same high-quality assistance, and address the same type of participant needs, as the onsite representatives. 
  • Workshops: Some existing workshops will be canceled and some may be hosted virtually. If you have signed up for a workshop, Fidelity will contact registered participants to provide information on how to attend or if the event has been canceled.
  • NetBenefits Website: Participants can also find a wealth of information by logging into their personal retirement account on Fidelity’s NetBenefits website or by going to One.IU and searching on Fidelity.

Contact Fidelity

Last updated March 23, 2020

I have a PERF question and I am not sure how to contact PERF at this time.

You are always welcome to contact  and IU Human Resources is happy to assist when possible. However, some services must be completed directly with PERF by the plan participant. Indiana Public Retirement System (INPRS) remains open and is conducting business as usual with modifications.

Generally, you will be able to access INPRS resources and services as you usually would with some slight modifications to our operations: 

  • INPRS’s offices and downtown Indianapolis lobby are closed to the public, but other options to receive service are available.
  • Your online account is accessible as usual and is the best way to quickly access your account information. Log in at www.myINPRSretirement.org. If you need help getting logged in, click here
  • The INPRS team is available via email at . Please be aware; some questions may require INPRS to call you to verify your identity for security purposes. Be sure to provide your phone number along with your email. 
  • INPRS phone lines remain open from 8 a.m. to 8 p.m. EST. Call the Member Service Center toll-free at (844) GO-INPRS or (844) 464-6777. Call wait times may be longer than usual.
  • Effective immediately, INPRS will begin providing all group workshops and most individual counseling appointments via webinar and telephone.  
    • These online workshops and phone appointments will offer the same information from the same INPRS's team of expert Retirement Services Consultants. You can register for these services on their website.   
    • If you we registered for an INPRS workshop or appointment, you will receive updated information on how to attend those events. All communication regarding workshops and one-on-one appointments will be sent through email unless you do not have a valid email address on file. You will be contacted by phone or postal mail if there is sufficient time before your workshop or one-on-one appointment.  

Last updated March 20, 2020