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IU Resident and Fellow Open Enrollment

Open Enrollment for IU Medical & Optometry Residents

Open Enrollment for the 2025 plan year is closed.

During Open Enrollment, you had the opportunity to:

  • Enroll in, change, or drop your medical and dental coverage, as well as dependents.
  • Enroll in, change, or drop your supplemental AD&D and critical illness insurance.
  • Enroll in the healthcare or dependent care flexible spending accounts for 2025. You must re-enroll in these accounts each year during Open Enrollment to participate.

Elections made during Open Enrollment will take effect on January 1, 2025.

If you took no action during Open Enrollment, you’ll have to wait until the next Open Enrollment period to make changes, unless you experience an IRS-defined qualifying life event (such as getting married or having a baby). Benefit plans not listed on this page are not associated with Open Enrollment and can be changed at any time during the year.

Top Links

Enroll Online (Closed)

2025 Medical Summary

2025 Medical SBC

2025 Dental Summary

2025 Vision Summary 

Have questions about your benefits? Need help with enrollment? Just ask.

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askHR@iu.edu

What's New and Changing in 2025

Medical & Vision Plan 

  • No plan changes.
  • Anthem will issue new medical ID cards.
  • Cost shares will stay the same and will reset on January 1, 2025.
    • In-network deductible: $450 individual, $1,350 family maximum
    • In-network out-of-pocket maximum: $1,800 individual, $5,400 family maximum

Visit the Medical & Vision plan page

Prescription Plan

  • New partnership with Archimedes. Specialty medications (high-cost drugs that treat complex/chronic conditions and often require special handling or administration) will be managed and filled through Archimedes instead of CVS Specialty. Details about this transition will be communicated to affected members in the coming months. All other prescriptions will continue to be managed through CVS Caremark.
  • In-network: Out-of-pocket maximums for prescriptions will decrease to $7,400 individual / $13,000 family.

Visit the Prescription plan page

Dental Plan

  • No plan changes.
  • Cost shares will stay the same and will reset on January 1, 2025.
    • In-network deductible: $50 individual, $150 family maximum
    • In-network benefit maximum: $500
Visit the Dental plan page

Flexible Spending Accounts

  • Claims can no longer be submitted by email; they can only be submitted online through WEX website or mobile app, by fax, or by mail.

Healthcare FSA

  • The annual contribution maximum will increase to $3,200 per individual.
  • The annual carryover limit will increase to $640.

Dependent Care FSA

  • No plan changes.

Visit the FSA plan page

Supplemental AD&D Insurance

  • No plan changes.

Visit the Supplemental AD&D plan page

Critical Illness Insurance

  • No plan changes.

Visit the Critical Illness plan page

Important reminders

Dual coverage is prohibited under IU benefit plans. This means that you cannot be covered:

  • as a resident/employee on more than one plan; or
  • as both a resident/employee and a dependent/spouse; or
  • as a dependent on more than one IU plan.

If you do not complete online enrollment

  • Your medical, dental, supplemental AD&D, and critical illness coverage will roll over to 2025.
  • You will not be enrolled in the Healthcare FSA or the Dependent Care FSA. These accounts require re-enrollment each year.

Anyone newly enrolled in the Healthcare FSA will be issued an IU Benefit Card (a debit-type Visa) to pay for eligible healthcare expenses from the account. Existing members will receive a new IU Benefit Card automatically before it expires (the card is good for three years). 

Download 2025 plan summaries

Medical Plan

Prescription Benefit (CVS Caremark)

Specialty Prescription Benefit (Archimedes)

Dental Plan

Flexible Spending Accounts (FSA)

Critical Illness Insurance

Supplemental AD&D Insurance