IU Health Insurance Benefits and Coverage

IU health insurance benefits offer comprehensive coverage for employees and their families.

The IU health insurance plan covers doctor visits and hospital stays, with a $20 copayment for primary care visits and a $50 copayment for specialist visits.

IU employees can choose from a range of health insurance plans, including the IU Health Savings Plan, which combines a high-deductible health plan with a health savings account.

With IU health insurance, employees can also access a network of providers, including IU Health physicians and hospitals.

IU Health Insurance Plans offer a range of options to suit different needs and budgets.

One option is the High Deductible Health Plan (HDHP), which has lower premiums but higher deductibles. The Anthem PPO HDHP has a $2,000 in-network deductible for employee-only coverage and a $4,000 deductible for other coverage levels.

This plan also features a 20% coinsurance after the deductible is met, and preventive services and certain preventive prescriptions are covered at 100%. You can also enroll in a Health Savings Account (HSA) with this plan, which includes a sizable contribution from the university.

IU's health plans cover preventive care at 100%, aligning with federal guidelines. This includes routine and periodic wellness exams, routine immunizations, screening tests, women's health services, and more.

Here are some key features of IU's health plans:

Comparing IU's Medical Plan Options is crucial to making an informed decision about which plan is best for you. The Anthem PPO HDHP and Anthem PPO $500 Deductible Plan have distinct features that set them apart from traditional plans.

Higher deductibles mean lower premiums, which can be a significant advantage for those on a budget. The Anthem PPO HDHP offers deductibles of $2,000 for employee-only coverage and $4,000 for other coverage levels.

The deductible and prescription benefits are structured differently between the two plans. The Anthem PPO HDHP has a 20% coinsurance after the deductible is met, whereas the specifics of the Anthem PPO $500 Deductible Plan's coinsurance and copays are not mentioned in the article sections.

The Health Savings Account (HSA) is a unique tax-advantaged account available to those enrolled in the Anthem PPO HDHP. Employees enrolled in this plan are not eligible for the HSA, making it essential to consider this when choosing a plan.

To better understand the specifics of each plan, it's recommended to visit the dedicated pages for the Anthem PPO HDHP and the Anthem PPO $500 Deductible Plan. This will provide more detailed information on deductibles, out-of-pocket maximums, and preventive care coverage.

IU's health insurance plans offer excellent preventive care coverage, aligning with federal guidelines. This means that you'll get 100% coverage for essential services that help prevent illnesses and detect health issues early.

Routine and periodic wellness exams are covered, so you can stay on top of your health without worrying about the cost. These exams can help identify potential health problems before they become major issues.

Screening tests like colonoscopies, mammograms, and bone density testing are also covered, giving you peace of mind and helping you stay healthy. These tests can detect health issues like cancer and osteoporosis, allowing for early treatment and prevention.

Women's health services, including oral contraceptives, IUDs, and sterilization, are also covered. This can help you make informed decisions about your reproductive health without worrying about the cost.

Here are some specific preventive care services that are covered:

If you have paid the student health fee, your insurance won't be billed, even if you're getting free care through CAPS.

You pay the student health fee to lower out-of-pocket expenses for students needing care, and to enhance the benefits offered for mental health and wellness services.

If you don't pay the student health fee, you may be charged, and depending on your insurance coverage, you could incur an out-of-pocket charge.

Here are some benefits of paying the student health fee:

If you've paid the student health fee, your insurance won't be billed for a CAPS session, even if it's free.

If you haven't paid the student health fee, you'll be charged for your CAPS session, and depending on your insurance coverage, you may also incur an out-of-pocket charge.

You have the option to let us know if you don't want your insurance billed due to privacy concerns.

You might be wondering why you still have to pay the health fee, especially if you already have insurance. The Student Health Fee is designed to lower your out-of-pocket expenses for care.

By paying the student health fee, you're also enhancing the benefits offered for both mental health and wellness services. This means you'll have access to more resources to support your overall well-being.

The fee is particularly helpful for students without insurance or with little to no financial support for much needed healthcare. This can be a huge burden, and the health fee helps alleviate that stress.

Here are some key benefits of the Student Health Fee: