2027 Pre-65 Retiree Benefit Guide
An informative guide on retiree benefits for individuals under 65 at DePauw University, featuring enrollment and resource information.
Enroll in Benefits 2027 Pre - 65 Retiree Benefits
Monthly medical cost You Pay = Premiums paid by Employee We Pay = Premiums paid by DePauw See Plan Coverage Dependents CDHP #1 CDHP #2 Retiree You Pay: $ 96.55 We Pay: $ 799.26 You Pay: $ 107.80 We Pay: $ 783.76 Retiree + Spouse You Pay: $ 221.47 We Pay: $ 1,636.66 You Pay: $ 245.16 We Pay: $ 1,627.15 Retiree + Child(ren) You Pay: $ 206.91 We Pay: $ 1,431.10 You Pay: $ 227.77 We Pay: $ 1,422.72 Retiree + Spouse, 1 Child You Pay: $342.35 We Pay: $ 2, 400.62 You Pay: $ 377.27 We Pay: $ 2, 386.62 Retiree + Spouse, > 1 Child You Pay: $ 472.77 We Pay: $ 2,270.20 You Pay: $ 507.71 We Pay: $ 2,256.19
Monthly dental & vision cost See Dental Coverage See Vision Coverage Dental Dependent(s) Employee Cost Retiree $20.27 Retiree + Spouse $39.13 Retiree + Child(ren) $52.88 Family $77.51 Vision Dependent(s) Employee Cost Retiree $6.38 Retiree + Spouse $11.19 Retiree + Child(ren) $12.15 Family $18.55
For 2027, DePauw is offering a choice between 2 different health plans available through Anthem. Medical Coverage ANTHEM View Plan Documents Anthem Member Portal
CDHP #1 Hendricks Regional Health In - Network Out - of - Network Embedded Deductible (Single/Family) $3,500 / $7,000 $4,500 / $9,000 $6,000 / $12,000 Out - of - Pocket Maximum (Single/Family) $4,500 / $9,000 $6,000 / $12,000 $10,000 / $20,000 Coinsurance 10% 20% 40% Preventive Care 100% covered 100% covered Ded. + Coins. Primary Care Ded. + Coins. Ded. + Coins. Ded. + Coins. Specialist Visit Ded. + Coins. Ded. + Coins. Ded. + Coins. Hospital Services Ded. + Coins. Ded. + Coins. Ded. + Coins. Urgent Care & Emergency Room Ded. + Coins. Ded. + Coins. Ded. + Coins. Diagnostics & Labs Ded. + Coins. Ded. + Coins. Ded. + Coins. View the Summary of Benefits & Coverage D ocuments to see out - of - network costs for different services.
CDHP #2 Hendricks Regional Health In - Network Out - of - Network Non - Embedded Deductible (Single/Family) $2,500 / $5,000 $3,500 / $7,000 $5,000 / $10,000 Out - of - Pocket Maximum (Single/Family) $4,000 / $8,000 $5,000 / $10,000 $8,500 / $17,000 Coinsurance 10% 20% 40% Preventive Care 100% covered 100% covered Ded. + Coins. Primary Care Ded. + Coins. Ded. + Coins. Ded. + Coins. Specialist Visit Ded. + Coins. Ded. + Coins. Ded. + Coins. Hospital Services Ded. + Coins. Ded. + Coins. Ded. + Coins. Urgent Care & Emergency Room Ded. + Coins. Ded. + Coins. Ded. + Coins. Diagnostics & Labs Ded. + Coins. Ded. + Coins. Ded. + Coins. View the Summary of Benefits & Coverage D ocuments to see out - of - network costs for different services.
Get instant access to the answers and support you need, when you need it. Anthem’s Sydney app connects you to your health plan details anytime, anywhere. Download the Anthem Sydney App ANTHEM • Check your benefits and coverage • Schedule virtual consultations • Access your plan ID cards • View submitted claims • Find care and pricing • Refill prescriptions APP FEATURES Download the App
DePauw Pays 100% of Costs The campus Wellness Center is available to all faculty and staff participating in a health plan, as well as their enrolled dependents. Buehler Health and Wellness Suites clinic is located on the second floor of The Lilly Center. There is no fee for most services provided in the wellness center as they are covered through health insurance premium contributions. Free Clinic For Families BUEHLER HEALTH & WELLNESS CLINIC Services Example(s) Clinic Visit Annual exams/screenings, sick visits Disease Management Diabetes, high cholesterol, asthma, etc. Risk Assessments Identify concerns, address preventive goals Pharmacy Formulary of commonly - utilized medications Lab Draws Available on - site with rapid result turnarounds Schedule Appointment
For 2027, CVS Caremark will be DePauw’s dedicated partner for pharmacy management. Caremark’s network includes pharmacies such as Walgreens, CVS, and Walmart. Mail - order prescriptions can be ordered directly through Caremark by using the member portal below. Prescription Benefits CVS CAREMARK Caremark Member Portal
CDHP Plans In - Network Out - of - Network Generic (Retail) 0% after Deductible 40% after Deductible Preferred (Retail) 40% after Deductible 40% after Deductible Non - Preferred (Retail) 50% after Deductible 40% after Deductible Generic (Mail - order) 0% after Deductible N/A Preferred (Mail - order) 40% after Deductible N/A Non - Preferred (Mail - order) 50% after Deductible N/A
How your pharmacy benefits work 1 2 3 4 5 Show your ID card at the counter Give the pharmacist your medical (and/or pharmacy) ID card when you pick up your prescription. Your prescription is priced The pharmacy runs your prescription through your insurance and tells you what you owe at the counter. Payment counts towards deductible The amount you pay for covered prescriptions applies toward your plan deductible total. Deductible met? Met the deductible? You may be responsible for a copay or coinsurance and then your plan pays the rest. OOP met? You pay nothing Once you hit your out - of - pocket maximum, the plan pays 100% of covered prescriptions for the rest of the plan year.
Rx cost control resources Free Rx Cost Analysis Search your Prescription(s) Rx Help Centers The Rx Help Centers provide members with assistance in finding resources for high - cost, brand - name medications by advocating directly on their behalf with drug manufacturers. CostPlus Drug Company Mark Cuban’s online pharmacy bypasses PBMs by offering generic medications directly to consumers with transparent pricing models: the cost of drug + 15% markup + pharmacy fee. Search your Prescription(s) GoodRx Compare prescription drug prices and find discounts at local pharmacies. You simply search for your medication, choose a pharmacy, and show the GoodRx coupon when you pay.
Find providers, view your ID card, and more online or using the Delta Dental member portal below. Dental Coverage DELTA DENTAL Delta Member Portal
Delta Dental of Indiana PPO Plan Premier Plan Out - of - Network Deductible $100 per member $100 per member $100 per member Annual Plan Maximum $1,500 per member $1,500 per member $1,500 per member Preventive Services You pay 0% You pay 0% You pay 0% Basic Services You pay 50% You pay 50% You pay 50% Major Services You pay 50% You pay 50% You pay 50%
Download the App Delta Dental’s free mobile app makes it easy for you to make the most of your dental benefits so you can maximize your oral health, wherever you are. Download the Delta Dental App DELTA DENTAL • Check benefits and claims • Find a dentist near you • View mobile ID card • Toothbrush timer APP FEATURES
For 2027, Anthem is offering a choice between an HDHP and a PPO plan available through Anthem. Vision Coverage ANTHEM Anthem Member Portal
Anthem Vision Plan In - Network Benefit Frequency Eye Exam $10 copay 1x every year Eyeglass Frames $130 allowance 1x every 2 years Lenses (Single/Bifocal/Trifocal/Lenticular) $10 copay 1x every year Contact Lenses (Conventional) $130 copay 1x every year
A Health Savings Account (HSA) helps you save pre - tax dollars through payroll that can be used for copays, deductibles and other everyday health - related purchases. Here’s what to know: • It is a bank account you open and own • The money in your account rolls over • The money is never taxed on qualified expenses Health Savings Account HSA Video HSA Eligible Expenses Dependent(s) DePauw Base Contribution Your Max Contribution 2027 IRS Max Limit Employee $500 $4,000 $4,500 Family $1,000 $8,000 $9,000 Tax - Free Savings Account
The wellness program is designed to incentivize you to prioritize your preventive care through earned employer HSA contributions. In addition to your annual base employer HSA contribution, you can earn up to an extra $1,000 in contributions. Our Healthy Tigers Program HSA INCENTIVES Activity Employee Spouse Employee + Child(ren) DePauw Base Contribution $500 $500 $1,000 Annual Physical $150 $150 $300 Biometric Screening $150 $150 $300 Any 4 Health Action Activities $200 $200 $400 Maximum Employer HSA Contribution $1,000 $1,000 $2,000 Learn More
Paying a bill with your HSA 1 2 3 4 5 You g et healthcare Visit a doctor or healthcare provider. After your visit, they send the claim to your health plan. Plan calculates what you owe Your health plan reviews the claim and calculates how much you’re responsible for paying. You receive the explanation Your health plan sends you an explanation of benefits (EOB) showing what was covered and what you owe. You receive the bill Your healthcare provider will then send you a bill for the amount you owe after insurance. Pay with your HSA Use your health savings account funds to pay the bill — or reimburse yourself if you paid out - of - pocket.
Shop HSA Store In addition to paying for prescriptions, copays, and deductibles - you can spend your HSA dollars on a wide range of eligible health - related essentials. Shop Eligible Items on the HSA Store HSA STORE • First - aid and diagnostic supplies • Over - the - counter medicines • Skin and suncare products • Eye and ear care products • Weight loss: eligible GLP - 1 medications • Brand names: OURA Ring, Warby Parker, and BetterHelp ELIGIBLE ITEMS
DePauw provides full - time employees with a suite of additional complementary and voluntary benefits. Additional Benefits SUN LIFE
DePauw Pays 100% of Premiums Life Insurance Video Your life and accidental death and dismemberment (AD&D) insurance provides financial protection for your loved ones if you suffer a covered accidental injury resulting in loss of life, limb, sight, hearing, or speech. It pays a benefit to the person you choose (your beneficiary) which can help cover everyday living expenses. Must have retired prior to July 1 st , 1987. Basic Life Insurance (Class 1) SUN LIFE View Coverage Benefit Amount Volume $9,000 Notice & Proof Notice must be given to Sun Life within 30 days of death. Proof must be given within 90 days.
DePauw Pays 100% of Premiums Life Insurance Video Your life and accidental death and dismemberment (AD&D) insurance provides financial protection for your loved ones if you suffer a covered accidental injury resulting in loss of life, limb, sight, hearing, or speech. It pays a benefit to the person you choose (your beneficiary) which can help cover everyday living expenses. Must have retired on or after July 1 st , 1987. Basic Life Insurance (Class 2) SUN LIFE View Coverage Benefit Amount Volume $3,500 Notice & Proof Notice must be given to Sun Life within 30 days of death. Proof must be given within 90 days.
Multi - Employer Retirement Plan (MEP) Retirement Health Care Savings (VEBA) for employees hired before 2013. Eligible retirees with a balance may be reimbursed for qualifying medical expenses by using funds from their Retirement Health Care Savings (VEBA). HUB provides participant education via in - person or virtual meetings, as often as needed. This improves participant access to high - quality retirement planning. 403(b) Retirement Account TIAA Schedule Financial Planning Session TIAA Resource TIAA Link TIAA Login Link Manage Contributions Link Update Beneficiaries Link
Tuition Benefits Employees An employee is eligible for Tuition Waiver with course credit or may audit a course for no course credit regardless of the degree(s) held. If you would like to submit an application for tuition waiver, use this form and submit to the Human Resources office. Employees are eligible for tuition benefits on their date of hire. Spouses & Dependents Tuition remission is available for eligible spouses and dependent children of active DePauw employees. Spouses should complete the tuition remission application using this form . Spouses and dependents are eligible for tuition benefits after two years of employment. Tuition Exchange School Dependent children of a full - time benefit eligible employee who has met the two - year continuous employment requirement are considered qualified for the Tuition Exchange program. Information on the Tuition Exchange, including the application form for the consideration for a scholarship, can be found at its website .
If you are suffering from a mental health condition, have hope: you are not alone. Depression, anxiety, substance use disorders, trauma, and other conditions affect people from all walks of life. Mental Health Support BEWELL INDIANA Support & Resources BeWell Indiana Portal
To get enrolled through Workday, find the Benefit Change or Open Enrollment task in your Workday inbox (click the inbox icon), then click Get Started. Enroll In Your Benefits DEPAUW Get Started