deductible, in-network medical services are paid at 80%. Unless a prescription is preventative, you are responsible for 100% of the prescription cost until you meet the plan’s deductible. You will still receive the discounted price through CVS Caremark, but you will not get any coinsurance coverage until your deductible is met. PPO Health Plan This plan covers preventive services at 100%. Blood work at contracted labs (LabCorp, American Health Network and Quest Diagnostics) are not subject to the deductible and are also covered at 100%. The PPO Health Plan also gives you access to Anthem’s broad network of providers and once you have met your deductible, in-network medical services are paid at 80%. There is no prescription deductible, so coinsurance for prescriptions will immediately apply. Prescription Benefits Ball State participates in the Indiana Aggregate Prescription Purchasing Plan (IAPPP) for prescription coverage and the IAPPP continues to use CVS Caremark as its third-party administrator. Register online at www.Caremark.com/startnow to find network pharmacies, refill medications and check order status, check drug cost, and see your prescription history. Be reminded that you may also check drug costs through links found on the Employee Benefits website. Specialty medications are becoming a huge cost driver to our plans. With Ball State’s health plan being self-funded, we strive for all plan members to use these links to check costs for prescriptions and see if alternatives are available. By being good stewards of our insurance expenditures, we can all work to keep our health claims and insurance premiums low. Maintenance medications require a 90-day refill after the third 30-day refill at a retail pharmacy. As a reminder, 90-day refills for maintenance medications can be filled at any network retail pharmacy or you may still receive them through mail order. If you have any additional questions about your prescription plan or costs, you may call CVS Customer Care at 1-866- 243-4881 or contact our office. Walgreens continues to be out of our pharmacy network. Dental Plan Highlights Delta Dental continues to provide our dental insurance. Here is a reminder of our current benefits: · Preventive fluoride treatments, x-rays and sealants are covered at 100%*. · Basic Service benefits for Delta Dental PPO network providers continue to be paid at 85% while Delta Dental Premier network providers remain at 80%. *Some services are subject to deductible and/or age restrictions. Health Savings Account An HSA is a tax-advantaged account where you can set aside funds to pay for healthcare expenses now and into the future. An HSA is a great way to save for current and future health expenses. You can open and contribute to an HSA if you are enrolled in the HSA Qualified Health Plan. You are NOT eligible to contribute to an HSA if: · You are covered by Medicare or another non- qualified health plan; · You are claimed as a dependent on another person’s tax return; · You are receiving Social Security Income benefits; · You or your spouse are enrolled in a General Purpose FSA; or · You are covered by Tri-care military insurance or have received VA benefits in the last 3 months. In addition to your own contributions, the University will also contribute to your HSA. Contributions are pre-tax and your maximum contribution is indexed annually by the IRS. You must contribute 25% of the University seed amount via payroll deduction in order to receive the University’s seed contribution. The maximum allowable HSA contribution amounts for 2026 are as follows: · Individual Coverage = $4,400 · University Seed = $528 annually · Employee Plus Children/Family Coverage = $8,750 · University Seed = $1,320 annually · Age 55 or Older Catch-up Contribution = $1,000