IU Resident and Fellow Open Enrollment

New: Critical Illness Insurance

A serious illness can leave you with unexpected expenses. Critical illness insurance, offered by The Standard, will pay you or your covered family member a lump sum following the diagnosis of one of 20 major illnesses, such as cancer, heart attack, and stroke. You can use the funds in any way you choose, including for your medical plan deductibles or coinsurance, or daily expenses such as rent or groceries—whatever you need most while you recover.

Other benefits include:

• It pays you $100 per year for proactively maintaining your health. You and your covered family members can each receive a $100 incentive once per year when you receive one of 22 covered health screening tests, such as a mammogram, lipid panel, mental health assessment, or colonoscopy.
• Enrolling is easy. Enroll yourself and your spouse in coverage without submitting a medical history statement. Children are covered automatically at no additional cost.

Coverage levels:

• Employee: $10,000 - $50,000 in increments of $10,000
• Spouse: $5,000 - $25,000 in increments of $5,000 (cannot exceed 50% of employee benefit)
• Children through age 25: Automatically covered at 50% of employee’s coverage.

Learn more about Critical Illness Insurance

Medical & Vision Plan 

• In network: Deductibles will increase to $450 individual / $1,350 family. Out-of-pocket maximums will increase to $1,800 individual / $5,400 family.
• Out-of-network: Deductibles will increase to $1,800 individual / $5,400 family. Out-of-pocket maximums will increase to $7,200 individual / $14,400 family.
• New Anthem ID cards will be issued.
• Deductibles and out-of-pocket maximums will reset.

View Medical & Vision Plan page

Prescription Plan

• New CVS Caremark partnership with GoodRx. With the Caremark Cost Saver program, IU medical plan members will have automatic access to GoodRx prescription pricing, which allows you to pay lower costs, when available, on generic medications. No action or separate registration is required to participate—simply present your Anthem ID card at your preferred network pharmacy. The amount paid will be automatically applied to your deductible and out-of-pocket maximum.
• A fourth tier will be added to the prescription drug pricing structure. Copays for tiers one, two, and three will remain the same.
  
  • Network Retail (30-day supply): $10/$25/$75
  • Mail Order (90-day supply): $25/$60/$180
  • New: Specialty (30-day supply only through mail order): $150
  • No Changes to out-of-network benefits
• In-network: Out-of-pocket maximums for prescriptions will increase to $7,650 individual / $13,500 family.

View Prescription Plan page

Dental Plan

• No plan changes.
• Deductibles and out-of-pocket maximums will reset.

View Dental Plan page

Flexible Spending Accounts (FSA)

Healthcare FSA

• The annual contribution maximum will increase to $3,050 per individual.
• The annual carryover limit will increase to $610.

Dependent Care FSA

• No plan changes.

View FSA Plan page

Supplemental AD&D 

• No plan changes.

View Supplemental AD&D Plan page

Medical Plan

• 2024 Medical Plan Summary
• 2024 Medical Plan Summary of Benefits and Coverage
• 2024 Vision Plan Summary

• Prescription Benefit (CVS Caremark)
  • CVS Caremark Formulary
  • Specialty Medications
  • No Cost Share Medication List

Dental Plan

• 2024 Dental Plan Summary

Flexible Spending Accounts (FSA)

• 2024 FSA Summary

Critical Illness Insurance

• Critical Illness Plan
• Critical Illness Plan Summary (coming soon)
• Health Assessment Incentive

Supplemental AD&D Insurance

• Supplemental AD&D Insurance Plan
• Supplemental AD&D Insurance Plan Booklet