Human Resources Home / Staff Benefits / Important Notices and Changes



Important Notices and Changes

Benefit Changes for 2015:

Beginning in 2015, the office visit co pay will be increased to $25 for Family/General Practice Physicians and $40 for Specialists.  Your Out-of-Pocket Maximum for the medical plan will be $3500 per person per year with a $7000 family maximum.  There will also be an increase in the Emergency Room Visit co pay to $200.

The Prescription Drug benefit will have an annual Out-of-Pocket Maximum of $2500 ($5000 for family) beginning in 2015.  Previously, there has not been a limit to the amount that you would pay in a calendar year.

Lifetime and Annual Limits:

Affordable Care Act prohibits health plans from putting a "lifetime" dollar limit on most benefits you receive. The act also restricts the "annual" dollar limits a health plan can place on most of your benefits. Effective January 1, 2011, all annual and lifetime limits on the dollar value of benefits under ISU's health plan will no longer apply. Individuals whose coverage ended by reason of reaching a lifetime limit under the plan are eligible to enroll in the plan

Adult Children:

Individuals whose coverage ended, or who were denied coverage, or were not eligible for coverage, because the availability of dependent coverage of children ended before attainment of age 26 are eligible to enroll in ISU's health plan. Individuals may request enrollment for such children during Open enrollment each year or, with a qualifying event, through "Special Enrollment". Children are eligible to stay on the plan until the end of the year they attain age 26.

Pre-existing Conditions:

New beginning 2014, under the Affordable Care Act, health plans cannot limit or deny benefits or deny coverage simply because the person has a pre-existing condition. There are no pre-existing conditions limitation on ISU's health plan for anyone.

Privacy Notice:

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This notice describes how health Information about you may be used and disclosed. Please review it carefully.

Medicaid and the Children's Health Insurance Program (CHIP):

If you are eligible for health coverage from your employer but are unable to afford the premiums, some states have premium assistance programs that can help pay for coverage. These states use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums.

PDF More Information »

Special Enrollment:

If you have declined enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your/or your dependents in ISU's plan if you or your dependents lose eligibility for other coverage (or if the employer stops contributing toward your or your dependents' other coverage). However, you must request enrollment within 30 days after your or your dependents' other coverage ends (or after the employer stops contributing toward the other coverage).

In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption or placement for adoption.

Finally, you and/or your dependents may have special enrollment rights if coverage is lost under Medicaid or a State health insurance (SCHIP) program, or when you and/or your dependents gain eligibility for state premium assistance. You have 60 days from the occurrence of one of these events to notify Staff Benefits and enroll in the plan.

PDF Special Enrollment Application »

To request special enrollment or obtain more information, contact Staff Benefits, 300 Rankin Hall or call ext. 4150.

Newborn's and Mother's Health Protection Act (NMHPA):

Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96hours).

Women's Health and Cancer Rights Act:

Under Federal law, Group Health Plans and health insurance issuers providing benefits for mastectomy must also provide, in connection with the mastectomy for which the participant or beneficiary is receiving benefits, coverage for:

These services must be provided in a manner determined in consultation between the attending Physician and the patient. For more information regarding your rights after a mastectomy go to: http://www.dol.gov/ebsa/publications/whcra.html

Affordable Care Act and Health Insurance Marketplace/Exchange

Starting October 1st, 2013, the Marketplace is available online at HeathCare.gov.  This is part of the Affordable Care Act that will help you get quality health coverage at a price you can afford.  Open enrollment in the Health Insurance Marketplace continues until March 31, 2014. Click here for more information.



  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • Flexible Spending Account (FSA)

    FSA is a calendar year plan. You must enroll during Open Enrollment in November each year to participate in the FSA program in the following year.
  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


    

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • Long Term Disability (LTD)

    If you are no longer able to work due to a serious health problem, you may be eligible for LTD.

  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • Voluntary Sick Leave Transfer

    Give accumulated sick leave to another employee with a personal health condition who has exhausted their leave time.

  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM


  • 

    Contact

    Rankin Hall Room 300
    Indiana State University
    Terre Haute, IN 47809

    Phone: (812) 237-4151
    Fax: (812) 237-8084
    Email: ISU-SB@mail.indstate.edu


    Office Hours:
    Monday - Friday
    8:00 AM - 4:30 PM