Professional Student Health Insurance Plan 2023-2024

Access Your Anthem ID Card 24/7
Sydney Health gives you 24/7 digital access to your Anthem ID card. To get started, download Sydney Health from the Google Play Store or Apple App Store, and register with your university ID or SSN.

On this page: Highlights | Additional Services & Benefits | Eligibility & Enrollment | Dependents | Premiums & Deadlines | Travel and AD&D Insurance | Waiving Coverage | Plan Documents | Questions

This plan is administered by Anthem Student Insurance Plans and University Health Plans (UHP). Participation in this plan is mandatory for the following groups of domestic graduate students, unless proof of comparable coverage and a waiver are submitted and approved by the waiver deadline:

  • IU School of Medicine (IUSM),
  • IU School of Dentistry (IUSD),
  • IU School of Health and Human Sciences (SHHS),
  • IU School of Optometry (IUSO),  
  • IU Department of Speech/Language Pathology Master’s and Doctor of Audiology (SLHS)  

The Plan includes medical, prescription, vision and dental coverage for one premium. Review the plan documents and resources for details about your coverage including out-of-pocket costs, claims procedures, coverage while traveling nationwide and overseas, and exclusions.

Plan Highlights

  • The plan year begins August 1 and ends July 31 the following year (or June 30 for IUSM seniors). Deductibles and out-of-pocket amounts restart annually on August 1
  • Annual deductible of $350 single / $1,050 family for in-network coverage or $700 single / $2,100 family for out-of-network coverage
  • In-network preventive care covered at 100%
  • IU Health Center copay of $15
  • Office visit copay of $25 after deductible
  • Urgent Care copay of $50 after deductible; Emergency Room copay of $100 after deductible
  • Most other services covered with 20% coinsurance after deductible
  • Includes therapy, behavioral health, mental health and substance use disorder services; See student brochure or plan booklet for more information
  • Vision care coverage through Anthem Blue View Vision, including an annual eye exam with a $20 copay and discounts for vision wear
  • Dental care coverage through Anthem Blue Cross and Blue Shield Dental Complete, including diagnostic and preventive services covered at 100% when using in-network providers

Resources

Health Clinics

Actions

Coverage While Traveling

Additional Services and Benefits

Student Eligibility & Enrollment

Participation in this plan is mandatory for graduate students at the IU School of Medicine (IUSM), IU School of Dentistry (IUSD), IU School of Health and Human Sciences (SHHS), IU School of Optometry (IUSO), and IU Department of Speech/Language Pathology Master’s and Doctor of Audiology (SLHS) students who are currently taking classes. If you are an eligible student, you are automatically enrolled in the plan each semester and billed for the premium through your bursar account. Participation is mandatory unless proof of comparable coverage and a waiver form are submitted and approved by the deadline (see Premiums and Deadlines below). An email detailing the waiver process and any applicable deadlines is sent to eligible students each plan year.

Dependent Eligibility & Enrollment

As an eligible student, you have the option to insure your spouse and unmarried children under the age of 26 for an additional cost. Coverage is only available to your dependents if and when you are insured under the plan. Enrollment can be completed online or by submitting a paper form to University Health Plans (UHP). Regardless of your enrollment method, UHP must receive your application and premium payment no later than the enrollment deadline listed in the next section. Dependent premiums can be paid in full at the time of enrollment or by monthly installments; however, they cannot be charged to your bursar account.

How to Enroll Your Dependents

  • Visit the UHP Website.
  • Select “Professional Students”.
  • Select “Dependent Enrollment Form” from the left-hand menu, then your school or department from the list.
  • Enter the requested information and provide a copy of any required documentation.

If the enrollment deadline has passed, you cannot enroll your dependents until the next coverage period, unless there has been a significant life change known as an IRS-qualifying life event (i.e., marriage, birth, loss of prior coverage). In that case, you have 30 days from the date of the event to make changes to your plan. Coverage is then backdated to the loss of other insurance so that there is no break in coverage. Contact the Student Insurance Specialist at 812-856-4650 or for more information.

Premiums and Deadlines

IU School of Medicine (IUSM) Premiums

  Annual Fall Spring / Summer 2nd Semester
Seniors
Student* $4,225.00 $1,766.19 $2,458.81 $2,100.95
Spouse** $4,225.00 $1,766.19 $2,458.81 $2,100.95
Child** $4,225.00 $1,766.19 $2,458.81 $2,100.95
Children** $8,450.00 $3,532.38 $4,917.62 $4,201.90
Family** $12,675.00 $5,298.57 $7,376.43 $6,302.85
Coverage Period Aug. 1, 2023 to
July 31, 2024		 Aug. 1, 2023 to
Dec. 31, 2023		 Jan. 1, 2024 to
July 31, 2024		 Jan. 1, 2024 to
June 30, 2024
Waiver & Dependent Enrollment Deadline Sept. 15, 2023 Sept. 15, 2023 Jan. 31, 2024 Jan. 31, 2024

*Premiums for student coverage are billed to your bursar account. IUSM students are automatically enrolled—no enrollment form is required.

**Dependent premiums do not include the cost of coverage for the student. (The dollar amounts listed are the cost to add the dependent coverage only.) Dependent premiums can be paid in full at the time of enrollment or by monthly installments; however, dependent premiums cannot be charged to your bursar account.

IU School of Dentistry (IUSD) Premiums

  Annual Early Arrival Fall Spring / Summer
Student* $4,225.00 $352.08 $1,766.19 $2,458.81
Spouse** $4,225.00 $352.08 $1,766.19 $2,458.81
Child** $4,225.00 $352.08 $1,766.19 $2,458.81
Children** $8,450.00 $704.16 $3,532.38 $4,917.62
Family** $12,675.00 $1,056.24 $5,298.57 $7,376.43
Coverage Period Aug. 1, 2023 to
July 31, 2024		 July 1, 2023 to
July 31, 2023		 Aug. 1, 2023 to
Dec. 31, 2023		 Jan. 1, 2024 to
July 31, 2024
Waiver & Dependent Enrollment Deadline Sept. 15, 2023 Sept. 15, 2023 Sept. 15, 2023 Jan. 31, 2024

*Premiums for student coverage are billed to your bursar account. IUSD students are automatically enrolled—no enrollment form is required.

** Dependent premiums do not include the cost of coverage for the student. (The dollar amounts listed are the cost to add the dependent coverage only.) Dependent premiums can be paid in full at the time of enrollment or by monthly installments; however, dependent premiums cannot be charged to your bursar account.

IU School of Health and Human Sciences (SHHS) Premiums

  Annual Fall Spring / Summer Early Start
Student* $4,225.00 $1,766.19 $2,458.81 $1,062.02
Spouse** $4,225.00 $1,766.19 $2,458.81 $2,124.04
Child** $4,225.00 $1,766.19 $2,458.81 $2,124.04
Children** $8,450.00 $3,532.38 $4,917.62 $3,186.06
Family** $12,675.00 $5,298.57 $7,376.43 $4,248.08
Coverage Period Aug. 1, 2023 to
July 31, 2024		 Aug. 1, 2023 to
Dec. 31, 2023		 Jan. 1, 2024 to
July 31, 2024		 May 1, 2024 to
July 31, 2024
Waiver & Dependent Enrollment Deadline Sept. 15, 2023 Sept. 15, 2023 Jan. 31, 2024 May 31, 2024

*Premiums for student coverage are billed to your bursar account. IU SHHS students are automatically enrolled—no enrollment form is required.

** Dependent premiums do not include the cost of coverage for the student. (The dollar amounts listed are the cost to add the dependent coverage only.) Dependent premiums can be paid in full at the time of enrollment or by monthly installments; however, dependent premiums cannot be charged to your bursar account

IU School of Optometry (IUSO) Premiums

  Annual Fall Spring / Summer
Student* $4,225.00 $1,766.19 $2,458.81
Spouse** $4,225.00 $1,766.19 $2,458.81
Child** $4,225.00 $1,766.19 $2,458.81
Children** $8,450.00 $3,532.38 $4,917.62
Family** $12,675.00 $5,298.57 $7,376.43
Coverage Period Aug. 1, 2023 to
July 31, 2024		 Aug. 1, 2023 to
Dec. 31, 2023		 Jan. 1, 2024 to
July 31, 2024
Waiver & Dependent Enrollment Deadline Sept. 15, 2023 Sept. 15, 2023 Jan. 31, 2024

*Premiums for student coverage are billed to your bursar account. IUSO students are automatically enrolled—no enrollment form is required.

** Dependent premiums do not include the cost of coverage for the student. (The dollar amounts listed are the cost to add the dependent coverage only.) Dependent premiums can be paid in full at the time of enrollment or by monthly installments; however, dependent premiums cannot be charged to your bursar account.

Speech/Language Pathology Master’s & Doctor of Audiology (SLHS) Premiums

  Annual Fall Spring / Summer
Student* $4,225.00 $1,766.19 $2,458.81
Spouse** $4,225.00 $1,766.19 $2,458.81
Child** $4,225.00 $1,766.19 $2,458.81
Children** $8,450.00 $3,532.38 $4,917.62
Family** $12,675.00 $5,298.57 $7,376.43
Coverage Period Aug. 1, 2023 to
July 31, 2024		 Aug. 1, 2023 to
Dec. 31, 2023		 Jan. 1, 2024 to
July 31, 2024
Waiver & Dependent Enrollment Deadline Sept. 15, 2023 Sept. 15, 2023 Jan. 31, 2024

*Premiums for student coverage are billed to your bursar account. IUSH students are automatically enrolled—no enrollment form is required.
  
 ** Dependent premiums do not include the cost of coverage for the student. (The dollar amounts listed are the cost to add the dependent coverage only.) Dependent premiums can be paid in full at the time of enrollment or by monthly installments; however, dependent premiums cannot be charged to your bursar account.

Medical Coverage While Traveling

Your medical coverage follows you wherever you go, including nationwide and overseas. As an Anthem member, you have access to care across the country through the BlueCard PPO program, and outside the U.S. through the Blue Cross Global Core program. Visit the Student Travel Coverage page to learn more, including how to find doctors and how to access emergency or non-emergency healthcare while traveling.

Emergency Travel Services and AD&D Benefit

Your health plan includes access to emergency travel assistance through Academic Emergency Services (AES). With AES you have access to 24/7 support if you experience an emergency while traveling over 100 miles from home or outside your country. Services include emergency medical evacuation and repatriation, pre-travel and safety assistance, and an accidental death & dismemberment (AD&D) benefit. Learn more by reviewing Plan Provisions or the AES Flyer & Wallet Card. AES is available 24/7 by calling 1-855-873-3555 (within the U.S.) or +1-610-263-4660 (outside the U.S.).

Waiving Coverage

If you have existing health insurance coverage, you may be eligible to waive enrollment in the Professional Student Plan. To be eligible, your existing health insurance must be in place at the beginning of the semester/term and meet all of the following requirements: 

Requirements for Existing Coverage

  • Provides coverage anywhere in the U.S. 
  • Provides emergency coverage internationally 
  • Provides coverage for pre-existing conditions
  • Provides essential health benefit coverage:
    • Ambulatory patient services;
    • Emergency services;
    • Hospitalization;
    • Maternity and newborn care;
    • Mental health and substance use disorder services;
    • Prescription drugs;
    • Rehabilitative and habilitative services and devices;
    • Laboratory services;
    • Preventive and wellness services and chronic disease management; and
    • Pediatric services, including oral and vision care. 
  • Has an annual deductible of $9,100 (individual) / $18,200 (family) or less
  • Has an Out-of-Pocket Maximum of $9,100 (individual) / $18,200 (family) or less
  • Has at least a $1,000,000 maximum benefit per lifetime per condition
  • Additionally, you must acknowledge that your health insurance coverage will remain in force for the entire academic year. If you involuntarily lose coverage prior to the end of the academic year, you agree to contact our office at  within 30 days of the date your coverage ends to enroll in the Professional Student Plan.  

The following types of plans do not qualify as eligible coverage:

  • Out-of-state HMO plans 
  • Fixed Indemnity plans
  • Short Term Insurance plans 
  • Emergency only coverage in Indiana plans
  • Medical share plans

The Healthy Indiana Plan (HIP) and Medicaid coverage will qualify as eligible coverage. However, these plans do not meet the full requirements regarding coverage outside of the state of Indiana, and abroad. Therefore, you may need to supplement when traveling.

How to Submit a Waiver

Fall Semester

Waivers for the fall semester can be submitted online. Have your current health insurance ID card and your IU student ID on hand, then follow these instructions prior to the waiver deadline.

  1. Go to the UHP Professional Student Insurance Plan website.
  2. On the left-hand side of the page select Waiver Form then choose your school or department.
  3. Enter your date of birth (MM/DD/YYYY) and your 10-digit IU student ID number.
  4. Complete the form and enter your insurance information.

If your waiver is approved it will be effective for one academic year only. A new waiver must be completed each fall at the start of the new academic year. If you’re unable to access the waiver, it may be closed or you may not be currently eligible to complete the waiver.

Spring Semester

Waivers for the spring semester can be initiated by contacting IU Human Resources Student Insurance at , prior to the deadline date. You will be required to complete a waiver form and submit copies of your insurance card and a summary of your medical benefits for review and approval.

The spring semester waiver deadline is January 31. After that, no waivers will be accepted for the spring enrollment period.

Plan Documents

Additional Questions?

Student Health Insurance Frequently Asked Questions

Anthem Student Insurance Plans
Phone: 844-412-0752
Web: www.anthem.com

University Health Plans—For Waiver Information ONLY
Phone: 833-251-1717
Web: www.universityhealthplans.com/intro/Indiana.html
Email:

IU Human Resources
Student Insurance Specialist
Phone: 812-856-4650
Email: