DePauw University Pre-65 Retiree Benefits Package 2026
This document outlines the 2026 benefits for pre-65 retirees affiliated with DePauw University.
2 0 2 6 B e n e f i t s f o r P r e - 6 5 R e t i r e e s Pre-65 Retiree Benefits
Whats New In 2026? Medical: UMR Anthem Our medical plan carrier is switching from UMR to Anthem. Download Anthems Sydney app to make the most of our new plans. Increased HSA/FSA Contributions For 2026, Health Savings Account (HSA) contribution limits will be $4,400 for self-only coverage and $8,750 for family coverage. For Flexible Spending Accounts (FSAs), the annual limit for dependent care FSAs will increase to $7,500. Passive Enrollment This years open enrollment is not active most of your 2025 elections will roll to 2026 if you do not make changes, with the exception of FSAs, which must be actively re-elected each year.
Retiree Medical Costs | Hired Before 07/01/2005 CDHP #1 CDHP #2 CDHP #3 Retiree Only EE Share $93.74 $104.66 $170.78 ER Share $758.68 $754.26 $720.77 Total $852.42 $858.92 $891.55 Retiree + Spouse EE Share $215.02 $238.02 $420.56 ER Share $1,575.09 $1,565.75 $1,451.72 Total $1,790.11 $1,803.77 $1,872.28 Retiree + Child/ren EE Share $200.88 $221.14 $367.56 ER Share $1,377.16 $1,368.93 $1,282.90 Total $1,578.04 $1,590.07 $1,650.46 Retiree + Spouse & 1 Child EE Share $332.38 $366.28 $626.14 ER Share $2,310.17 $2,296.43 $2,137.68 Total $2,642.55 $2,662.71 $2,763.82 Retiree + Spouse & >1 Child EE Share $459.00 $492.92 $752.78 ER Share $2,183.55 $2,169.79 $2,011.04 Total $2,642.55 $2,662.71 $2,763.82 NOTE: EE Share = Premiums paid by Retiree, ER Share = Premiums paid by DePauw SEE PLAN COVERAGE MONTHLY RATES
Retiree Medical Costs | Hired 2005 - 2012 CDHP #1 CDHP #2 CDHP #3 Retiree Only EE Share $852.42 $858.92 $891.55 ER Share - - - Total $852.42 $858.92 $891.55 Retiree + Spouse EE Share $1,790.11 $1,803.77 $1,872.28 ER Share - - - Total $1,790.11 $1,803.77 $1,872.28 Retiree + Child/ren EE Share $1,578.04 $1,590.07 $1,650.46 ER Share - - - Total $1,578.04 $1,590.07 $1,650.46 Retiree + Spouse & 1 Child EE Share $2,642.55 $2,662.71 $2,763.82 ER Share - - - Total $2,642.55 $2,662.71 $2,763.82 Retiree + Spouse & >1 Child EE Share $2,642.55 $2,662.71 $2,763.82 ER Share - - - Total $2,642.55 $2,662.71 $2,763.82 NOTE: EE Share = Premiums paid by Retiree, ER Share = Premiums paid by DePauw SEE PLAN COVERAGE MONTHLY RATES
Retiree Dental & Vision Costs DENTAL Coverage through Anthem Monthly Premiums SEE THIS PLAN VISION Coverage through Delta Dental Monthly Premiums SEE THIS PLAN Retiree DePauw Retiree Only $19.11 $17.25 Retiree + Spouse $36.99 $29.97 Retiree + Child(ren) $50.11 $36.30 Family $73.27 $59.22 Retiree Retiree Only $6.38 Retiree + Spouse $11.19 Retiree + Child(ren) $12.15 Family $18.55
Medical BENEFITS For 2026, DePauw University is offering 3 different health plans through Anthem, as well as a vision plan outlined later in this guide. View Your Anthem Portal
Embedded Deductible (Single/Family) $3,500 / $7,000 $4,500 / $9,000 N/A N/A N/A N/A Non-Embedded Deductible (Single/Family) N/A N/A $2,500 / $5,000 $4,000 / $8,000 $2,000 / $4,000 $3,500 / $7,000 Out-of-Pocket Max (Single/Family) $4,500 / $9,000 $9,000 / $18,000 $4,000 / $8,000 $8,000 / $16,000 $3,500 / $7,000 $7,000 / $14,000 Physician/Specialist Visits 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible Coinsurance 20% 40% 20% 40% 20% 40% Preventive Care 100% Coverage 40% after Deductible 100% Coverage 40% after Deductible 100% Coverage 40% after Deductible Hospital Services (Maternity, In/Out-Patient) 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible Urgent Care & ER 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible Mental Health & Substance Abuse Services 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible 20% after deductible 40% after Deductible CDHP #1 CDHP #2 CDHP #3 OUT - OF - NETWORK IN - NETWORK OUT - OF - NETWORK IN - NETWORK OUT - OF - NETWORK IN - NETWORK
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 plans 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 Anthems Sydney Health App
The campus Wellness Center is available to all faculty and staff participating in the DePauw University 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. DePauw Health WELLNESS CLINIC Services Clinic visits annual physicals, musculoskeletal visits, sick visits, and wellness coaching. Chronic disease management support from clinical staff to better manage conditions such as diabetes, high cholesterol, asthma and others. Health risk assessments helps identify targeted concerns and preventive health goals. Referrals and care navigation support in the coordination of specialty referrals when needed, as well as the management of follow-up care. Home Delivery & On-site Pharmacy features a formulary of the most commonly utilized medications. Lab draws conveniently available on-site with rapid results turnaround. Wellness Coaching Please call (317) 718-8160 to schedule a personalized wellness coaching appointment with a certified Wellness Nurse. Powered by DePauws Health Services Partner Hendricks Regional Health Schedule Appointment through MyChart
Prescription DRUGS In 2026, CVS Caremark will continue as DePauws dedicated partner for pharmacy management. The Caremark network includes most retail chain pharmacies such as Walgreens, CVS, and Walmart. Mail order prescriptions can be ordered directly through Caremark. A preventive drug list can be found using the Caremark Portal link below. Visit Caremark Portal Download App
All CDHP Plans IN NETWORK OUT - OF - NETWORK Retail Prescriptions: Generic 0% after Deductible 40% after Deductible Retail Prescriptions: Preferred 40% after Deductible 40% after Deductible Retail Prescriptions: Non-Preferred 50% after Deductible 40% after Deductible Mail Order Prescriptions: Generic 0% after Deductible Not Covered Mail Order Prescriptions: Preferred 40% after Deductible Not Covered Mail Order Prescriptions: Non-Preferred 50% after Deductible Not Covered
How does CVS Caremark 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 your share of coinsurance per the chart on the previous slide. 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 insurance will pay 100%.
Health Savings ACCOUNT A Health Savings Account (HSA) is available to those enrolled in a High Deductible Health Plan. HSA funds can be used for a wide variety of qualified medical expenses all tax-free. Any unused earnings rollover from year-to-year. Company contribution up to $ 2,000
View Qualified Expenses DePauw Base Contribution Max Incentive Contributions $1,000 $1,000 $8,750 $500 $500 $4,400 + = + = Watch This HSA Video to Learn More The IRS allows an annual "Catch-Up" contribution of $1,000 for those aged 55 years and older. Max Employee Can Contribute 2026 IRS HSA Max Amount + + $6,750 $3,400 Retiree Only Retiree + Family
HSA Incentives Our Healthy Tigers is a wellness program 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 $500 (if enrolled in Retiree-Only coverage) or $1,000 (if enrolled in Retiree + Dependent(s) coverage) of contributions to your Health Savings Account. Retiree Spouse Retiree + 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 About Healthy Tigers Visit WellRight Portal
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 will send you the Explanation of Benefits (EOB). Bill Received Your doctor will then send you a bill. CDHP and HSA Consumer Experience Pay with HSA You can use your HSA funds to pay the bill from your doctor.
DENTAL Delta Dental offers three levels of benefits coverage: PPO Dentist, Premier Dentist, and Non-Participating Dentist. Find providers, view your ID card, and more on the Delta Dental online portal or on their 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 (Single/Family) $50 / $100 $50 / $100 $50 / $100 Annual Plan Maximum $1,250 $1,250 $1,250 Preventive Services Exams, Cleanings, Fluoride, X-Rays You Pay 0% You Pay 0% You Pay 0% Basic Services Fillings, Extractions, Endodontics, Crown Repairs You Pay 20% You Pay 20% You Pay 20% Major Services Crowns, Dentures, In/Outlays, Bridges, Implants You Pay 50% You Pay 50% You Pay 50% Orthodontia Services You Pay 50% You Pay 50% You Pay 50% Orthodontia Lifetime Maximum $1,000 $1,000 $1,000 OUT - OF - NETWORK PPO PREMIER
VISION Anthem Blue Cross and Blue Shield vision members have access to one of the nations largest network of vision providers. Blue View Vision is the only network that gives you the ability to use in-network benefits at 1-800- CONTACTS, or choose a private eye doctor, or go to retail vendors. Vision Coverage through Anthem Online Portal
Routine eye exams, glasses lenses, and contacts available once every 12 months. Frames available once every 24 months. Exam $10 copay $42 allowance Glasses Lenses (Single / Bifocal/ Trifocal) $10 copay $40 - $80 allowance Glasses Frames $130 retail frame allowance + 20% off remaining balance $45 allowance Contact Lenses (Medically Necessary / Elective) Covered in Full / $130 allowance $210 allowance / $105 allowance In - Network Out - of - Network
Additional BENEFITS DePauw University provides employees with employer-paid life insurance and long-term disability coverage. Employees also have the option to enroll in voluntary, employee-paid benefits such as additional life insurance, accident or critical illness insurance, and identity theft protection.
Basic Life Insurance Basic Life Insurance : the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Basic Life Retired prior to 7/1/1987 Volume: $9,000 100% DePauw Paid Notice must be given to Sun Life within 30 days of death Proof must be given to Sun Life within 90 days of death Basic Life Retired on or after 7/1/1987 Volume: $3,500 100% DePauw Paid Notice must be given to Sun Life within 30 days of death Proof must be given to Sun Life within 90 days of death Class 1 Class 2
TIAA TIAA Login How to update your TIAA beneficiary information HUB HUB provides participant education via in- person or virtual meetings, as often as needed. This improves participant access to high quality retirement planning. Multi - Employer Retirement Plan (MEP) | 403(b) Schedule a Financial Planning Session 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). Learn more . VEBA
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. Below are just a few resources available. Mental Health BENEFITS Support & Resources Anthem Behavioral Health Providers This benefit is for DPU employees and dependents on the DePauw Health Plan. Services are subject to deductible, coinsurance, and out-of-pocket maximums. Find providers on www.anthem.com. BeWell Indiana In addition to mental health resources, there are a wide range of free resources for Hoosiers available here. For example, help with substance use disorder & recovery resources, child care solutions, and more. You can start by calling 2-1-1. For crisis help text the word HOME to 741741.
Tuition Benefits Spouse & 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 . Member Institution (GLCA) Dependent children of a full-time benefit eligible employee who has met the two-year continuous employment requirement are also eligible for tuition remission benefits at the member institutions of the Great Lakes Colleges Association . Visit the GLCA site for more information about the Tuition Remission Exchange. Use the application form and print and return to the DePauw Human Resources office. 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. Note: Spouses and dependents are eligible after two years of your full- time employment.
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