2027 Pre-65 Retiree Benefit Guide
An overview of retirement benefits available in 2027 for individuals under 65 at Ball State University, featuring important resources and payment portal access.
2027 Pre-65 Retiree Benefits Plan Resource Hub
What’s new in 2027? Increases to monthly medical premiums For the 2027 plan year, monthly medical premiums are increasing: • Employee only: + $42/month • Employee + child(ren): + $94/month • Employee + family: + $113/month See Medical Plan Costs PPO plan design changes PPO Plan: Rx out-of-pocket maximum will no longer be separate from the medical OOPM; will be integrated with medical OOPM in 2027. There are deductible & out-of-pocket maximum increases. See Medical Plan Coverage Prescriptions: increased copays and specialty providers Increases to minimum copays per fill. There is a carveout for Tier 4 specialty drugs to Archimedes. There is a flat $250 copay per fill, and all current patients will receive letter from Archimedes with instructions on how to order prescriptions directly. See Rx Plan Coverage Centers of Excellence: Carrum Health Carrum Health provides enhanced care for major and minor surgical procedures and substance use disorder treatment. • PPO plan: No cost share • HSA plan: reduced deductible of $1,700 single / $3,400 family Learn More about Carrum Health
Who is eligible for benefits? Spouse & Legal Dependents Your children and spouse are eligible for the medical, dental, and vision plan to age 26. Your children of any age are also eligible if you support them, and they are incapable of self- support due to disability. Ball State Pre-65 Retirees All Ball State University retirees under the age of 65 are eligible to enroll in our benefit plan program. You may insure yourself and eligible family members under the program.
Billing for health, dental and life insurance will continue to be processed and mailed on a monthly basis. You are welcome to pay more than one monthly installment if you prefer. Questions? Call Employee Benefits at 765-285-1834. Paying For Your Benefits BALL STATE Ball State Payment Portal
Benefit costs per month | Medical | Dental | | = Tobacco-Free Discount | Monthly Cost | | Monthly Cost | | Retiree Only | $188.17 | | Retiree Only | $263.17 | Employee | $13.31 | | Retiree + Children | $371.77 | | Retiree + Children | $446.77 | Employee + Child(ren) | $25.26 | | Family | $492.49 | | Family | $34.47 | | Family | $567.49 | See Medical Coverage See Dental Coverage
For 2027, Ball State will continue to offer a PPO medical plan to retirees who have not yet transitioned to Medicare. Medical Coverage ANTHEM View Plan Documents Anthem Member Portal
PPO Plan In-Network Out-of-Network Embedded Deductible (Single/Family) $2,000 / $4,000 $2,600 / $7,800 Out-of-Pocket Maximum (Single/Family) $5,050 / $10,750 $12,150 / $29,250 Coinsurance 20% 50% Preventive Care 100% covered 50% after deductible Primary Care Visit 20% after deductible 50% after deductible Specialist Visit 20% after deductible 50% after deductible Urgent Care 20% after deductible 50% after deductible Emergency Room 20% after deductible 50% after deductible Hospital Services 20% after deductible 50% after deductible
Anthem’s Telehealth App You don’t need an appointment to see a doctor. They’re always available to assess your condition and send a prescription to the pharmacy you choose, if needed. It’s a great option when you have pink eye, a cold, the flu, a fever, allergies, a sinus infection or another common health issue. 24/7 Virtual Doctor Visits LIVE HEALTH ONLINE Services Cost Urgent Care $59 or less (depending on health plan) Allergy $59 or less (depending on health plan) Therapy/Psychology $95 / $105 or less (depending on health plan) Psychiatry $190 (initial evaluation) / $85 (follow-ups) Get Started Live Health Online Video
Bundled Pricing & Care Navigation Carrum Health Video Carrum Health is a value-based healthcare platform that connects you with the highest-quality healthcare at a lower cost. You’ll have easy access to the nation’s top doctors, specialists, and facilities. PPO plan participants have a $0 cost share for Carrum facilities, while HDHP participants pay $1,700/$3,400 (single/family), which does count toward their normal medical/Rx HDHP deductible. Centers of Excellence CARRUM HEALTH Register for Carrum Specialties Description Hip and knee replacements, revisions, and Ortho & Spine spinal fusion or decompression surgeries. Surgeries Cardiovascular procedures, bariatric surgeries Substance Abuse Detox, rehabilitation, in-patient/out-patient
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
Register through the portal below to find network pharmacies, refill medications and check order status, check drug cost, and see your prescription history. We strive for all plan members to check costs for prescriptions and see if alternatives are available. Prescription Benefits CVS CAREMARK Caremark Member Portal
PPO Plan In-Network Out-of-Pocket Maximum Integrated with medical plan Generic (Retail) 20% coinsurance ($15 min / $40 max) Preferred (Retail) 40% coinsurance ($65 min) Non-Preferred (Retail) 50% coinsurance ($100 min) Generic (Mail-order) 20% coinsurance ($15 min / $40 max) Preferred (Mail-order) 40% coinsurance ($65 min) Non-Preferred (Mail-order) 50% coinsurance ($100 min) *Specialty Medications (Through Archimedes) $250 *Specialty medications are not available through Caremark, but through Archimedes. Use their member portal to create an account or call 888-504-5563 to get started with an order.
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 process depends on plan type PPO: pay copay for covered prescriptions (deductible does not apply). As your prescription costs add up… PPO: copays continue, but generally will count toward your out-of-pocket maximum for most plans. 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 Search your Prescription(s) Free Rx Cost Analysis 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 Plan In-Network Deductible (Single/Family) $60 / $150 Annual Plan Maximum $1,500 / person Preventive Services You pay 0% Basic Services You pay 15% Major Services You pay 30% Orthodontia Services To Age 19: You Pay 30% Age 19 and Over: You Pay 50% Orthodontia Lifetime Maximum To Age 19: $500 per Year Age 19 and Over: $500 per Lifetime
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
Ball State Pays Majority of Premiums Life Insurance Video Life insurance provides financial protection for your loved ones in the event of your death. It pays a benefit to your designated beneficiary (or beneficiaries), which can help cover everyday living expenses. Life insurance offers peace of mind by helping ensure your loved ones have financial support when they need it most. Basic Life Insurance VOYA View Coverage Plan Feature Details Benefit 50% of the volume of employer-sponsored group term life in force prior to your retirement. Maximum Benefit maximum is $37,500. There is no age reduction on this plan. Premiums $8.50 per month to participate.
