Ball State University Employee Benefits
This document provides information regarding employee benefits at Ball State University, with enrollment dates from October 22 to November 6, 2025.
Enroll in Benefits October 22 – November 6, 2025 BALL STATE UNIVERSITY Employee Benefits
Employees All Full-Time Employees are eligible for the benefits program. You may insure yourself and eligible family members under the program. Spouse & Legal Dependents Your children are eligible for medical, dental, and vision 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. Working Spouse Provision Qualifying Events You may make a change to your benefits if you have a qualified status change such as marriage divorce, birth/adoption, death, changes in spouse’s benefits, and more within 31 calendar days of the event. If you miss the 31-day deadline, you will have to wait until the next benefits open enrollment period to make changes. Eligibility
Employee Costs DENTAL Coverage through VSP Bi-Weekly Premiums SEE THIS PLAN VISION Coverage through Delta Dental Bi-Weekly Premiums SEE THIS PLAN MEDICAL Coverage through Anthem | Bi-Weekly Premiums SEE THIS PLAN HSA Qualified Plan PPO Plan (TF) = Tobacco-Free 10 month (18 pays) 12 month (26 pays) 10 month (18 pays) 12 month (26 pays) Employee Only (TF) $56.75 $39.29 $97.45 $67.46 Employee Only $106.75 $73.91 $147.45 $102.08 Employee + Child(ren) (TF) $107.84 $74.66 $185.18 $128.20 Employee + Child(ren) $157.84 $109.27 $235.18 $162.82 Family (TF) $147.35 $102.01 $252.99 $175.15 Family $197.35 $136.62 $302.99 $209.76 10 month (18 pays) 12 month (26 pays) Employee Only $8.87 $6.14 Employee + Child(ren) $16.84 $11.66 Family $22.98 $15.91 Basic Premier 10 month 12 month 10 month 12 month Employee Only $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 Tobacco-Free Premium Discount
Medical BENEFITS Medical coverage will remain with Anthem in 2026. Visit the Anthem portal or the Sydney Health mobile app to view your ID card, progress toward your deductible, and shop for providers in your area! View Your Anthem Portal
HSA Qualified Plan PPO Plan IN NETWORK OUT-OF-NETWORK IN NETWORK OUT-OF-NETWORK Deductible (Single/Family) $2,500 / $5,000 $2,500 / $5,000 $1,300 / $3,900 $2,600 / $7,800 Out-of-Pocket Max (Single/Family) $4,750 / $8,250 $6,450 / $12,900 $4,050 / $9,750 $12,150 / $29,250 Coinsurance 80% 50% 80% 50% Preventive Care No charge No charge No charge No charge Physician Office 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 Emergency Room 20% after deductible 50% after deductible 20% after deductible 50% after deductible Urgent Care Centers 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Anthem’s Sydney Health App Manage Your Claims With Sydney Health, you can submit and track your claims, anytime, anywhere. Compare Care & Costs Our digital tools can help you find doctors in your plan’s network and compare care costs up front. Schedule Virtual Appointments Schedule same-day virtual appointments with licensed physicians. Download the App Watch Sydney Health App Video
24/7 Virtual Doctor Visits 24/7 access to U.S. licensed doctors by phone or video Doctors can diagnose, treat, & prescribe medication Quality care from wherever you are Register or Schedule Online Download the App You may schedule an appointment with a board– certified doctor online anytime of the day or night using LiveHealth Online on your smartphone, tablet or computer. You don’t even have to leave your home.
Prescription DRUGS 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. We strive for all plan members 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. Caremark Member Portal
HSA Qualified Plan PPO Plan Rx Deductible Integrated w/ Medical Plan N/A Single / Family Rx Out-of-Pocket Max Integrated w/ Medical Plan $1,725 / $3,450 Retail Prescriptions: Generic 20% after deductible 20% coinsurance ($7 min / $25 max) Retail Prescriptions: Preferred 40% after deductible 40% coinsurance ($35 min) Retail Prescriptions: Non-Preferred 50% after deductible 50% coinsurance ($60 min) Retail Prescriptions: Specialty $110 copay after deductible $110 copay Mail Order Prescriptions: Generic 20% after deductible 20% coinsurance ($15 min / $65 max) Mail Order Prescriptions: Preferred 40% after deductible 40% coinsurance ($70 min / $110 max) Mail Order Prescriptions: Non-Preferred 50% after deductible 50% coinsurance ($120 min / $160 max)
How do Rx Benefits work? Medical ID Provide the pharmacy with your medical ID card. Insurance Coverage The pharmacy will run your prescriptions through insurance and the total amount due is owed to the pharmacy. Deductible Reached Once you reach the deductible amount, you will then pay the reduced Rx coinsurance amount based on the tier of your drug. Deductible Contribution The total amount owed will then count towards your deductible. Out-of-Pocket Max Once you reach your total out-of-pocket max, your employer will pay 100%.
Pharmacy Cost TOOLS GoodRx GoodRx has both a website and a mobile app that can be used to compare prices. Go to the website and type in your drug name. GoodRx will display the cost available at multiple pharmacies. Print the coupon and present to your pharmacist. Learn More Rx Help Centers RX Help Centers provides assistance in finding resources for high-cost brand name medications by advocating directly with drug manufacturers. Learn More CostPlus Drug Company The goal of the Mark Cuban Cost Plus Drug Company is to dramatically reduce the cost of drugs and introduce transparency to the pricing of drugs, so patients know they are getting a fair price. Learn More Watch Pharmacy Coupon Video
Health Savings ACCOUNT A Health Savings Account (HSA) is available to those enrolled in the HSA Qualified Plan. HSA funds can be used for a wide variety of qualified medical expenses – all tax- free! Any unused earnings roll over from year to year. Am I eligible for an HSA? Company contribution up to $1,320
Watch This HSA Video to Learn More View Qualified Expenses The 2026 annual max contribution is $4,400 for an individual and $8,750 for families. 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. University Annual HSA Seed Contributions Employee Only $528 Employee+1 or more Dependents $1,320
Doctor Visit Visit your healthcare provider and the office will submit the claim to your health plan. Amount Owed The health plan will share the amount you owe with your doctor. EOB The health plan send you the Explanation of Benefits (EOB). Bill Received Your doctor will then send you a bill. HSA Qualified Plan and HSA Consumer Experience Pay with HSA You can use your HSA funds to pay the bill from your doctor.
HEALTHCARE FSA LIMITED PURPOSE FSA Flexible Spending Accounts Flexible Spending Accounts (FSA) are set up to pay for many of out-of-pocket medical expenses with tax-free dollars. The FSA account holder sets aside a pre-tax dollar amount for the year used to pay for medical expenses. Unused FSA funds can expire at the end of the year. 1 Healthcare FSA An FSA is an alternative to an HSA. FSAs are typically paired with a PPO plan while an HSA is paired with an HDHP. FSA funds can be used on various medical, dental, and vision related expenses. The IRS contribution maximum for 2026 will be $3,400. 2 Limited Purpose FSA A limited purpose FSA is only for dental and vision expenses. If you elect to participate in the High Deductible Health Plan and contribute to a Health Savings Account (HSA), you qualify for this FSA, not the full healthcare FSA. The IRS contribution maximum is $3,400. Watch This FSA Video to Learn More 1 2 View Eligible Expenses DEPENDENT CARE FSA 3 3 Dependent Care Account (DCA) FSA A DCA is a tax-free spending account for dependent care expenses such as daycare, preschool, or day camps for any dependent under the age of 13 or who is physically or mentally incapable of self-care. The IRS contribution maximum for 2026 will be $7,500 for single individuals and couples filing jointly, and $3,750 for individuals who are married filing separately.
DENTAL Delta Dental offer three levels of benefits coverage; PPO Dentist, Premier Dentist, and Non-Participating Dentist. Find providers, view your ID card, and more online or using the mobile app. Dental Coverage with Delta Dental DELTA DENTAL OF INDIANA 225 S East St Indianapolis, IN 46202 317-842-4022 KRISTEN JONES Group Delta Dental PPO Online Portal Download the App
Deductible $60 per covered member, $150 per family Annual Plan Maximum $1,500 / person Preventive Services Exams, Cleanings, Fluoride, X-Rays You Pay 0% Basic Services Fillings, Extractions, Endodontics, Crown Repairs You Pay 15% Major Services Crowns, Dentures, In/Outlays, Periodontics You Pay 30% Orthodontia Services To Age 19: You Pay 30% Age 19 and Over: You Pay 50% Orthodontia Maximum To Age 19: $500 per Year Age 19 and Over: $500 per Lifetime
VOLUNTARY VISION VSP offers two levels of coverage, Basic and Premier, with no changes to premium rates for 2026. The Basic plan is the lower cost option and has copays for exams and lenses; whereas the higher cost option, the Premier coverage plan, has $0 copays and larger allowances for other covered expenses. Coverage through VSP Network Online Portal
Exam $15 $0 Glasses Lenses (Single / Bifocal/ Trifocal / Lenticular) $25 $0 Glasses Frames $150 frame allowance, 20% discount on remaining cost $200 frame allowance, 20% discount on remaining cost Contact Lenses (Elective) $150 allowance $200 allowance Standard Plan Premium Plan
Employer Paid BENEFITS Eligible Ball State members will receive employer-paid benefits such as Short-Term Disability and Basic Life Insurance with Accidental Death & Dismemberment. In 2026, these benefits will move from The Hartford to Voya.
Basic Life Insurance The employer-paid basic life insurance policy is available to all full-time personnel. In the event of your death, your beneficiaries will receive 2x your annual earnings to a maximum of $125,000. Coverage decreases by 40% at age 66. Basic Accidental Death & Dismemberment Insurance The employer-paid basic AD&D insurance policy is available to all full-time personnel. In the event of death, loss of (or loss of use of) a body part or function, speech, eyesight, or hearing, your beneficiaries may receive an additional payment equal to the volume of your basic life insurance policy. Short-Term Disability Service personnel receive a short-term disability benefit protects your income during a short period of time due to illness, maternity leave, or an accident not related to your job. This benefit is subsidized at 75% by the University. Benefits begin on the 8th day after the date of the incident and will replace up to 80% of your lost income per week for a maximum of 26 weeks. Long-Term Disability Employer-paid long-term disability protects your income for a period of time due to illness, maternity leave, or an accident not related to your job. The elimination period will be equal to the maximum duration of your short-term disability policy (26 weeks for service personnel, 13 weeks for all other employees), and will replace up to 60% of your lost income per month until you reach Social Security Normal Retirement Age.
Voluntary BENEFITS For 2026, administration for all life, disability, and worksite products will move from The Hartford to Voya. Voya Member Portal
Accident Insurance Accident insurance is designed to help you meet the out-of-pocket expenses and extra bills that can follow an accidental injury. It can be used however you want, and it pays in addition to any other coverage you may already have. Learn More About Accident Insurance Critical Illness Insurance Critical Illness insurance provides cash benefits if you or your spouse is diagnosed with or treated for a covered illness such as cancer, a heart attack or a stroke. Learn More About Voya Critical Illness Insurance
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Voluntary Life Insurance Supplemental life insurance provides extra life insurance protection for you, your spouse, and your dependent children up to age 26. For this year’s Open Enrollment, you will not be required to complete an Evidence of Insurability (EOI) form if you elect up to the Guaranteed Issue Limit of $200,000 of coverage for yourself or $50,000 for your spouse. If you exceed the Guaranteed Issue Limit, you will be required to complete EOI. Learn More About Voya Basic Life Insurance Hospital Indemnity Hospital indemnity coverage pays you cash benefits that correspond with hospital admission, confinement and intensive care confinement. Learn More About Voya Hospital Indemnity
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Short-Term Disability The University currently subsidizes STD benefits for Service employees only, which allows employees to bridge the gap between STD and Long-Term Disability (LTD) benefits. Ball State offers Voluntary STD benefits to our faculty, professional and staff employees. Eligible employees will receive 60% of their weekly earnings after a 7-day waiting period, for a maximum period of 12 weeks. Learn More About Voya Short- Term Disability Coverage
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