Everything You Need to Know About IU Health Insurance

When it comes to health insurance, it’s important to choose a plan that fits your individual needs. IU Health insurance offers a variety of plans to choose from, each with its own unique benefits and costs. In this article, we’ll explore the ins and outs of IU Health insurance, including plan options, coverage details, and frequently asked questions.

Plan Options

IU Health insurance offers both individual and family plans, as well as coverage for students and employees. Let’s take a closer look at each plan option:

Individual Plans

Individual plans are designed for those who are self-employed or do not have access to employer-sponsored insurance. IU Health insurance offers several individual plan options, including:

Plan	Deductible	Coinsurance
Basic	$1,000	20%
Plus	$500	15%
Premier	$250	10%

As you can see, each plan has a different deductible and coinsurance percentage. The higher the deductible, the lower your monthly premium will be.

Coinsurance is the percentage of the cost of medical services that you pay after you have met your deductible. For example, if you have a 20% coinsurance and a medical bill of $1,000, you would be responsible for paying $200 of that bill.

Family Plans

Family plans are designed for those who want to cover themselves and their dependents. IU Health insurance offers several family plan options, including:

Plan	Deductible	Coinsurance
Basic	$2,000	25%
Plus	$1,500	20%
Premier	$1,000	15%

Like individual plans, family plans have varying deductibles and coinsurance percentages. The higher the deductible, the lower your monthly premium will be.

Student Plans

Students who attend Indiana University may be eligible for student health insurance. IU Health insurance offers several student plan options, each with its own unique benefits and costs.

Employee Plans

Employees of Indiana University may be eligible for employer-sponsored health insurance. IU Health insurance offers several employee plan options, including:

Plan	Deductible	Coinsurance
Basic	$1,500	25%
Plus	$1,000	20%
Premier	$500	15%

Coverage Details

Now that we’ve discussed the different plan options, let’s take a closer look at what IU Health insurance covers.

Medical Coverage

Medical coverage includes doctor visits, hospital stays, emergency care, and prescription drugs. IU Health insurance also covers preventative care, such as annual check-ups and screenings.

Dental and Vision Coverage

Dental and vision coverage is available for an additional cost. These plans cover routine exams, as well as basic and major dental procedures, such as fillings and root canals.

Mental Health Coverage

IU Health insurance covers mental health services, including therapy and counseling. This coverage also includes substance abuse treatment.

Maternity and Newborn Coverage

Maternity and newborn coverage is included in all IU Health insurance plans. This coverage includes prenatal care, labor and delivery, and postpartum care.

Pre-Existing Conditions

IU Health insurance covers pre-existing conditions. A pre-existing condition is a health problem that existed before you enrolled in the insurance plan.

Out-Of-Network Coverage

IU Health insurance may cover out-of-network services, but at a higher cost to you. It’s important to check with your insurance provider before receiving out-of-network services to understand what your financial responsibility will be.

FAQ

How do I apply for IU Health insurance?

You can apply for IU Health insurance online or by calling the customer service number provided on the IU Health insurance website.

When does my IU Health insurance coverage begin?

Your coverage begins on the date specified in your insurance policy. If you enroll during the open enrollment period, your coverage will begin on January 1 of the following year.

How do I find a doctor that accepts IU Health insurance?

You can search for healthcare providers that accept IU Health insurance on the IU Health website. You can also call the customer service number on the back of your insurance card for assistance.

What is a deductible?

A deductible is the amount that you pay out of pocket before your insurance coverage begins. For example, if you have a $1,000 deductible and receive a medical bill for $2,000, you would be responsible for paying $1,000 before your insurance coverage kicks in.

What is coinsurance?

Coinsurance is the percentage of the cost of medical services that you pay after you have met your deductible. For example, if you have a 20% coinsurance and a medical bill of $1,000, you would be responsible for paying $200 of that bill.

What is the difference between in-network and out-of-network providers?

In-network providers are healthcare providers that have contracted with your insurance provider to provide services at a discounted rate. Out-of-network providers are healthcare providers that have not contracted with your insurance provider and may charge more for their services.

Overall, IU Health insurance offers a variety of plan options to fit your individual needs. When choosing a plan, it’s important to consider your medical needs, budget, and preferred healthcare providers. If you have any questions about IU Health insurance, be sure to reach out to their customer service team for assistance.