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Compare the costs of the plans
You can reduce your monthly medical plan premium by $7.50 for yourself or your spouse (or $15 for both) by signing a Tobacco-free Affidavit or completing the Indiana Quitline tobacco cessation program each year.
Monthly Employee Contribution | ||||||||
|---|---|---|---|---|---|---|---|---|
| Medical Plan | Less than $39,500 | $39,500 to $68,999 | $69,000 to $99,999 | $100,000 to $149,999 | $150,000 to $199,999 | $200,000 to $249,999 | $250,000 and Above | Total Monthly Premium |
Employee-Only Coverage | ||||||||
Anthem PPO HDHP | $48.54 | $64.94 | $84.52 | $106.47 | $129.93 | $157.39 | $182.66 | $483.36 |
Anthem PPO $500 Deductible | $170.33 | $205.86 | $266.60 | $318.34 | $372.01 | $427.71 | $485.45 | $1,180.96 |
Employee and Child(ren) Coverage | ||||||||
Anthem PPO HDHP | $87.35 | $116.90 | $152.14 | $191.73 | $232.61 | $283.29 | $328.78 | $943.88 |
Anthem PPO $500 Deductible | $306.58 | $370.57 | $479.89 | $573.02 | $669.62 | $769.87 | $873.83 | $2,243.80 |
Employee and Spouse Coverage | ||||||||
Anthem PPO HDHP | $128.62 | $172.09 | $223.98 | $282.13 | $342.47 | $417.06 | $484.04 | $1.313.97 |
Anthem PPO $500 Deductible | $451.37 | $545.56 | $706.52 | $843.63 | $985.82 | $1,133.43 | $1,286.51 | $3,129.50 |
Family Coverage | ||||||||
Anthem PPO HDHP | $155.31 | $207.83 | $270.46 | $340.68 | $413.55 | $503.63 | $584.49 | $1.487.80 |
Anthem PPO $500 Deductible | $545.04 | $658.76 | $853.15 | $1,018.68 | $1,190.42 | $1,368.66 | $1,553.50 | $3,542.84 |
*Important Notes:
- Employee contributions are deducted before taxes.
- The salary band is determined by the annual base salary at the time payroll runs each pay period.
- The total monthly premium is the sum of the employee contribution plus the university's contribution towards the employee's coverage.
- Eligible employees can elect medical coverage with or without electing dental coverage.
- Faculty appointed as 10-month academic employees who do not receive pay in the summer, will have medical plan premiums caught up when they return in August. This means premiums from June, July, and August will all be deducted from the August paycheck.
- Special note for dually employed IU and IU Health Physicians: For School of Medicine faculty who are dually employed by IU and IU Health or the VA, the annual base salary includes both the IU base salary and IU Health compensation, as determined by the School of Medicine.
Monthly Employee Contribution | ||||
|---|---|---|---|---|
Coverage Level | Below $39,500 | $39,500 to | $69,000 & | Total |
Employee Only | $8.88 | $11.14 | $13.24 | $41.86 |
Employee w/ Child(ren) | $16.00 | $20.09 | $23.81 | $75.39 |
Employee w/ Spouse | $20.87 | $26.22 | $31.06 | $98.34 |
Family | $30.42 | $38.22 | $45.30 | $143.43 |
*Important Notes:
- Employee contributions are deducted before taxes.
- The salary band is determined by the annual base salary at the time payroll runs each pay period.
- The total monthly premium is the sum of the employee contribution plus the university's contribution towards the employee's coverage.
- Eligible employees are able to elect dental coverage with or without electing medical coverage.
- Faculty appointed as 10-month Academic employees who do not receive pay in the summer, will have dental plan premiums caught up when they return in August. This means premiums from June, July, and August will all be deducted from the August paycheck.
- Special note for dually employed IU and IU Health Physicians: For School of Medicine faculty who are dually employed by IU and IU Health or the VA, the annual base salary includes both the IU base salary and IU Health compensation, as determined by the School of Medicine.
Your monthly premium for LTD insurance is based on your age, salary, and the coverage option selected. Premiums are paid through after-tax payroll deductions and automatically update as your age or salary changes.
Estimate your monthly premium:
- Find your age and desired coverage option in the table below.
- Option A: 180-day Benefit Waiting Period
- Option B: 90-day Benefit Waiting Period
- Option C: 180-day Benefit Waiting Period with the Annuity Contribution Benefit
- Option D: 90-day Benefit Waiting Period with the Annuity Contribution Benefit
- Multiply your annual salary by the corresponding rate from the table.
- Divide that amount by 12 to find your estimated monthly premium cost.
Age Range | Option A | Option B | Option C | Option D |
|---|---|---|---|---|
Under 40 | .00050 | .00059 | .00071 | .00085 |
40 - 44 | .00122 | .00158 | .00163 | .00212 |
45 - 49 | .00205 | .00264 | .00264 | .00341 |
50 - 54 | .00329 | .00424 | .00426 | .00548 |
55 - 69 | .00403 | .00524 | .00524 | .00680 |
70 and over | .00604 | .00778 | .00784 | .01012 |
Benefit Amount | Monthly Cost for | Monthly Cost for |
|---|---|---|
$30,000 | $0.42 | $0.72 |
$60,000 | $0.84 | $1.44 |
$90,000 | $1.26 | $2.16 |
$120,000 | $1.68 | $2.88 |
$180,000 | $2.52 | $4.32 |
$240,000 | $3.36 | $5.76 |
$300,000 | $4.20 | $7.20 |
$350,000 | $4.90 | $8.40 |
$400,000 | $5.60 | $9.60 |
$450,000 | $6.30 | $10.80 |
$500,000 | $7.00 | $12.00 |
*For Employee and Family Coverage, benefits for family members will be a percentage of the Benefit Amount selected.
Employee Monthly Contribution | ||||||
|---|---|---|---|---|---|---|
Benefit Amount | Age 18-29 | Age 30 - 39 | Age 40 - 49 | Age 50 - 59 | Age 60 - 69 | Age 70+ |
Employee Coverage* | ||||||
$10,000 | $2.10 | $3.00 | $5.70 | $11.40 | $20.70 | $52.10 |
$20,000 | $4.20 | $6.00 | $11.40 | $22.80 | $41.40 | $104.20 |
$30,000 | $6.30 | $9.00 | $17.10 | $34.20 | $62.10 | $156.30 |
$40,000 | $8.40 | $12.00 | $22.80 | $45.60 | $82.80 | $208.40 |
$50,000 | $10.50 | $15.00 | $28.50 | $57.00 | $103.50 | $260.50 |
Spouse Coverage** | ||||||
$5,000 | $1.05 | $1.50 | $2.85 | $5.70 | $10.35 | $26.05 |
$10,000 | $2.10 | $3.00 | $5.70 | $11.40 | $20.70 | $52.10 |
$15,000 | $3.15 | $4.50 | $8.55 | $17.10 | $31.05 | $78.15 |
$20,000 | $4.20 | $6.00 | $11.40 | $22.80 | $41.40 | $104.20 |
$25,000 | $5.25 | $7.50 | $14.25 | $28.50 | $51.75 | $130.25 |
*Eligible children through age 25 are automatically covered at 50% of the employee's benefit amount for no additional cost.
**Premium for spouse coverage is calculated based on the employee's age.