Ball State University 2027 Employee Benefit Guide
This guide provides information about the employee benefits program at Ball State University for the year 2027.
Enroll in Benefits 2027 Employee Benefit Guide
Who is eligible for benefits? Qualifying Events You may make a change to your enrolled benefits if you have a qualified status change, such as: marriage, divorce, birth of a child, adoption, death, changes in spouse’s benefits, and more. *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. Full - Time Employees All full - time Ball State University employees are eligible to enroll in our benefit plan program. You may insure yourself and eligible family members under the program. *Working Spouse Clause: If your spouse is working full time, their employer offers group health care coverage, and the employer funds at least 60 per cen t of the coverage, you cannot cover your spouse as a dependent on your medical plan unless they are also enrolled in their empl oye r’s group health plan.
Who pays for benefits? Coverage Carrier Ball State Pays Employee Pays Medical Anthem Dental Delta Dental Vision VSP Vision Basic Life + AD&D Voya Voluntary Life + AD&D Voya Short - Term Disability Voya Long - Term Disability Voya Accident Insurance Voya Critical Illness Insurance Voya Hospital Indemnity Voya
Medical cost per paycheck HSA Plan PPO Plan = Tobacco - Free Discount 10 Month (18 Pays) 12 Month (26 Pays) 10 Month (18 Pays) 12 Month (26 Pays) Employee Only $84.76 $58.68 $125.45 $86.85 Employee Only $134.76 $93.29 $175.45 $121.46 Employee + Children $170.51 $118.04 $247.85 $171.59 Employee + Children $220.51 $152.66 $297.85 $206.20 Family $222.68 $154.16 $328.33 $227.30 Family $272.68 $188.78 $378.33 $261.92
Dental & vision cost per paycheck See Dental Coverage See Vision Coverage Dental 10 Month (18 Pays) 12 Month (26 Pays) Employee $8.87 $6.14 Employee + Child(ren) $16.84 $11.66 Family $22.98 $15.91 Vision Basic Plan Premier Plan 10 Month (18 Pays) 12 Month (26 Pays) 10 Month (18 Pays) 12 Month (26 Pays) Employee $9.43 $7.87 $18.30 $15.25 Employee + Spouse $18.89 $15.74 $36.63 $30.53 Employee + Child(ren) $20.20 $16.83 $39.17 $32.64 Family $32.30 $26.91 $62.60 $52.17
For 2027, Ball State is offering a choice between an HDHP and a PPO plan available through Anthem. Medical Coverage ANTHEM View Plan Documents Anthem Member Portal
Which medical plan is right for me? Preferred Provider Organization (PPO) A PPO plan typically has higher monthly premiums but lower costs when you receive care. Many services include copays, which can make healthcare expenses more predictable throughout the year. See PPO Coverage A PPO may be right for you: • If you v isit doctors or specialists regularly • If you p refer predictable copays for visits and prescriptions • If you e xpect ongoing medical expenses or procedures High - Deductible Health Plan (HDHP) An HDHP offers lower monthly premiums but higher upfront costs when you receive care. These plans are often paired with a Health Savings Account (HSA), which can help you save and pay for qualified medical expenses tax - free. See HDHP Coverage An HDHP may be right for you: • If you w ant lower payroll deductions each paycheck • If you rarely visit the doctor or use medical services • If you w ant to contribute to and save money in an HSA
HSA Plan PPO Plan In - Network Out - of - Network In - Network Out - of - Network Embedded Deductible (Single/Family) $3,000 / $6,000 $3,000 / $6,000 $2,000 / $4,000 $2,600 / $7,800 Out - of - Pocket Maximum (Single/Family) $5,250 / $9,000 $6,450 / $12,900 $5,050 / $10,750 $12,150 / $29,250 Coinsurance 20% 50% 20% 50% Preventive Care 100% covered 100% covered 100% covered 100% covered Primary Care Visit 20% after deductible 50% after deductible 20% after deductible 50% after deductible Specialist Visit 20% after deductible 50% after deductible 20% after deductible 50% after deductible Urgent Care 20% after deductible 50% after deductible 20% after deductible 50% after deductible Emergency Room 20% after deductible 50% after deductible 20% after deductible 50% after deductible Hospital Services 20% after deductible 50% after deductible 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
Transparent Surgical Prices Wellbridge Surgical Video Indiana is the fourth most costly state to have surgery in. Wellbridge Surgical was created to change that by providing quality surgical services at transparent, up - front prices. Select the procedure category to view the list of offered surgeries, the price, as well as the typical market cost. Surgical Services WELLBRIDGE SURGICAL View Surgery Prices Procedure Examples Wellbridge Price Colonoscopy $2,310 Lap Appendectomy $10,125 Knee Arthroscopy $6,545 Mastectomy $13,075
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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 — and the exceptional care you receive will come at little or no cost to you. Centers of Excellence CARRUM HEALTH Register for Carrum Specialties Description Ortho & Spine Hip and knee replacements, revisions, and spinal fusion or decompression surgeries. Oncology Comprehensive cancer care, diagnostic support, and treatment coordination 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
HDHP Plan PPO Plan In - Network In - Network Deductible & Out - of - Pocket Maximum Integrated with medical plan Integrated with medical plan Generic (Retail) 20% coinsurance ($15 min / $40 max) 20% coinsurance ($15 min / $40 max) Preferred (Retail) 40% coinsurance ($65 min) 40% coinsurance ($65 min) Non - Preferred (Retail) 50% coinsurance ($100 min) 50% coinsurance ($100 min) Generic (Mail - order) 20% coinsurance ($15 min / $40 max) 20% coinsurance ($15 min / $40 max) Preferred (Mail - order) 40% coinsurance ($65 min) 40% coinsurance ($65 min) Non - Preferred (Mail - order) 50% coinsurance ($100 min) 50% coinsurance ($100 min) *Specialty Medications (Through Archimedes ) $250 $250 *Specialty medications are not available through Caremark, but through Archimedes. Use their member portal to create an account and start a specialty prescription 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 HDHP: pay the plan's discounted cost for prescription until you meet deductible. PPO: pay copay for covered prescriptions (deductible does not apply). As your prescription costs add up... HDHP: met the deductible? You may be responsible for a copay or coinsurance and then your plan pays the rest. 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 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 Plan In - Network Out - of - Network Deductible (Single/Family) $60 / $150 Not covered Annual Plan Maximum $1,500 / person Not covered Preventive Services You pay 0% Not covered Basic Services You pay 15% Not covered Major Services You pay 30% Not covered Orthodontia Services To Age 19: You Pay 30% Age 19 and Over: You Pay 50% Not covered Orthodontia Lifetime Maximum To Age 19: $500 per Year Age 19 and Over: $500 per Lifetime Not covered
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
View copays and deductibles, check on claims, find an eye doctor and get special offers for vision care. Vision Coverage VSP VISION VSP Member Portal
VSP Vision Plans Standard Plan Premium Plan Benefit Frequency Eye Exam $15 copay $0 copay 1x every year Eyeglass Frames $150 allowance, then 20% of remaining balance $200 allowance, then 20% of remaining balance 1x every 2 years Lenses (Single/Bifocal/Trifocal/Lenticular) $25 copay $0 copay 1x every year Contact Lenses (Elective) $150 allowance $200 allowance 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 FIDELITY HSA Video Open an HSA Dependent(s) *BSU Seed Contributions Your Max Contribution 2026 IRS Max Limit Employee $528 $3,972 $4,500 + 1 or More Dependents $1,320 $7,680 $9,000 Tax - Free Savings Account Eligible Expenses *You must contribute 25% of the seed amount yourself to receive BSU’s contribution.
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 Eligible Expense List
A Flexible Savings Account (FSA) lets you set aside pre - tax dollars through payroll that can be used for copays, deductibles, and other everyday health - related purchases. Here’s what to know: • It’s an employer - sponsored account • There are set roll - over amounts year - year • The money is never taxed on qualified expenses Flexible Savings Account FSA Video FSA Type(s) Explanation General Purpose Medical, prescription, dental, & vision expenses Limited Purpose Dental and vision expenses only Dependent Care Limited to eligible expenses for dependent care Tax - Free Savings Account View Eligible Expenses
Shop FSA Store The FSA Store lets you shop a wide range of health - related, IRS - approved expenses that you can pay for with your Flexible Spending Account. Shop Eligible Items on the FSA Store FSA 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 Eligible Expense List
Ball State provides full - time employees with a suite of additional complementary and voluntary benefits. Additional Benefits VOYA View Plan Documents
Ball State 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. Your elected coverage will begin to decrease incrementally beginning at age 65. Basic Life + AD&D Insurance VOYA View Coverage Benefit Amount Employee 2x your annual earnings (up to $125,000) Age Reduction Benefit will reduce 40% at age 66.
You have the option to purchase additional life insurance to supplement the company - provided life and accidental death and dismemberment coverage. It pays a benefit to the person you choose (your beneficiary) which can help cover everyday living expenses. Coverage decreases incrementally beginning at age 65. Voluntary Life Insurance VOYA View Coverage Benefit Amount Guaranteed Issue Employee $10,000 increments (Up to 5x annual earnings) Employee $200,000 Spouse $5,000 increments (Can’t exceed 50% of EE amount) Spouse $50,000 Child(ren) $5,000 increments (Up to $10,000) Child(ren) $10,000 Employee Pays 100% of Premiums
Ball State Pays 75% of Premiums Short - Term Disability Video Short - term disability insurance replaces a portion of your income if you’re unable to work for a limited time due to illness, injury, or pregnancy. It is designed to bridge the gap during temporary health situations, helping you cover everyday expenses like rent, groceries, and utilities while you focus on recovery and getting back to work. Short - Term Disability VOYA View Coverage Plan Feature Details Benefit Amount 80% of weekly salary Maximum Amount $1,500/week Benefits Begin 8 th day after illness or accident Benefit Duration 26 weeks
Ball State Pays 100% of Premiums Long - Term Disability Video Long - term disability insurance provides ongoing income protection if a serious medical condition prevents you from working for an extended period. Coverage typically starts after short - term disability ends and continues until Social Security Normal Retirement Age (SSNRA). Long - Term Disability VOYA View Coverage Plan Feature Details Benefit Amount 60% of monthly salary Maximum Amount $15,000/month Benefits Begin 91 st day after illness or accident Benefit Duration Until SSNRA
Accident insurance is an extra layer of protection that gives you a cash payment to cover out - of - pocket expenses when you suffer an unexpected, qualifying accident. This coverage is a simple, affordable way to supplement additional expenses your health and disability insurance may not cover, including x - rays, ambulance rides, deductibles, and more. Accident Insurance VOYA View Coverage Employee Pays 100% of Premiums Dependents Bi - Weekly Premium Low Plan High Plan Employee $2.05 $3.61 Employee + Spouse $4.97 $8.73 Employee + Child(ren) $4.97 $8.86 Family $7.89 $13.98 Accident Insurance Video
Critical illness insurance provides a one - time cash payment if you’re diagnosed with a covered serious condition, such as cancer, heart attack, or stroke. This money can help with medical costs, travel for treatment, or even household bills. Its supplemental coverage designed to give you financial breathing room during a major health event. Critical Illness Insurance VOYA View Coverage Employee Pays 100% of Premiums Dependent(s) Benefit Amount Employee $15,000 or $30,000 Spouse 50% of employee’s benefit Child(ren) 50% of employee’s benefit Critical Illness Video
Hospital indemnity insurance is a supplemental benefit that helps employees manage the out - of - pocket costs that can come with a hospital stay. If a covered illness or injury results in hospitalization, the plan pays a cash benefit directly to the employee, which can be used for medical expenses, deductibles, transportation, and childcare costs. Hospital Indemnity Insurance VOYA View Coverage Employee Pays 100% of Premiums Hospital Indemnity Video Dependents Bi - Weekly Premium Low Plan High Plan Employee $5.04 $9.07 Employee + Spouse $10.38 $18.77 Employee + Child(ren) $8.95 $16.31 Family $14.29 $26.01
Ball State Pays 100% of Premiums All full - time employees are automatically provided access to the employee assistance program. The program is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns. The program includes up to 5 confidential consultations a year for you and your dependents. Employee Assistance Program (EAP) TELUS HEALTH Get Help USER: Your work email PW: Your system password Support for Life 1 Support for Family 2 Support for Health 3 Support for Work 4 Support for Money 5
Free & Paid Mental Health Resources Your mental health and well - being matter. A variety of free and low - cost resources are available to help you manage stress, address mental health concerns, connect with professional support, quit tobacco, or simply find someone to talk to when you need it. Explore the resources to the right to find the support that best fits your needs. Mental Health & Wellness Resources Employee Assistance Program 1 Anthem & Live Health Online 2 988 Suicide Hotline 3 Man Therapy 4 Quit Now Indiana (Tobacco - Cessation) 5
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 WORKDAY Get Started