DePauw University: Your Employee Benefits Package
An overview of the employee benefits offered by DePauw University for the 2026 enrollment period.
2 0 2 6 O P E N E N R O L L M E N T Employee Benefits Package
Your 2026 Benefits Your health and financial security is important to us. We believe DePauw’s benefit program provides a variety of plans that can enhance your life – both now and in the future. As an eligible employee, you will be asked to make decisions about the employee benefits described in this guide. Take time to read it carefully and use the available resources to ensure you make the decisions that are right for you and your family.
What’s New In 2026? Medical: UMR → Anthem Our medical plan carrier is switching from UMR to Anthem. Download Anthem’s 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 year’s 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.
Your legal spouse and children are eligible for medical, dental, and vision to age 26. Your children of any age are also eligible if they are incapable of self-support due to disability. As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days. Spousal Carve-Out Employees All employees scheduled to work 30 hours per week or more are eligible for the benefits program. You may insure yourself and eligible family members under the program. Spouse & Legal Dependents 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. Eligibility
Employee Medical Costs CDHP #1 Salary Range (Based on 24 Pays) < $36,150 $36,150 -
CDHP #2 Salary Range (Based on 24 Pays) < $36,150 $36,150 -
CDHP #3 Salary Range (Based on 24 Pays) < $36,150 $36,150 -
Employee Dental & Vision Costs DENTAL Coverage through Anthem Monthly Premiums SEE THIS PLAN VISION Coverage through Delta Dental Monthly Premiums SEE THIS PLAN Employee DePauw Employee Only $19.11 $17.25 Employee + Spouse $36.99 $29.97 Employee + Child(ren) $50.11 $36.30 Family $73.27 $59.22 Employee Employee Only $6.38 Employee + Spouse $11.19 Employee + 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 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 Anthem’s 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. Schedule Appointment through MyChart Powered by DePauw’s Health Services Partner Hendrick’s Regional Health
Prescription DRUGS In 2026, CVS Caremark will continue as DePauw’s 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 Employee Only Employee + 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 Employee-Only coverage) or $1,000 (if enrolled in Employee + Dependent(s) coverage) of contributions to your Health Savings Account. Employee Spouse Employee + 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.
Dependent Care FLEXIBLE SPENDING ACCOUNT A DCFSA 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 is $7,500 for families and $3,750 for those who are married but filing separately. Contribute up to $7,500 Learn More About DCFSAs
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 nation’s 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. The employer-paid basic life insurance policy is available to all full-time employees. In the event of your death, your beneficiaries will receive 2x's Annual Base Salary up to $450,000. Coverage will decrease incrementally at age 65. Basic Accidental Death & Dismemberment Insurance The employer-paid basic AD&D insurance policy is available to all full-time employees. In the event of death, loss of a body part or function, speech, eyesight, or hearing, your beneficiaries will receive 1x's Annual Base Salary up to $180,000. Coverage will decrease incrementally at age 65. Voluntary Life Insurance Employees have the option to purchase additional life insurance. Employee Benefit: Increments of $10,000 up to $500,000. Guarantee issue fluctuates based on age bands. Spouse Benefit: Increments of $5,000 up to $50,000. Guarantee issue fluctuates based on age bands. Child(ren) Benefit: Benefit amount of $10,000 or $20,000 (cannot exceed 50% of employee amount). Guaranteed issue of $20,000. Click here to see your rates Long-Term Disability Employer-paid long-term disability protects your income for a period of time due to illness or an accident not related to your job. Benefits begin 180 days after the date of the incident and will cover 60% of your earnings up to a max monthly benefit of $10,000 (Salaried employees) or $2,500 (Hourly employees).
Voluntary Benefits Accident Insurance Designed to cover accidents that occur when employees are not at work. This insurance pays fixed cash benefits directly to you for specific injuries, procedures or death as a result of a covered accident. There are no health questions asked or pre-existing conditions limitations. Critical Illness Insurance This insurance pays fixed cash benefits directly to you upon diagnosis of a covered critical illness after the coverage effective date. These benefits can help pay for out-of-pocket medical and non-medical expenses your medical insurance doesn’t cover. Examples of covered illnesses are heart attack and/or stroke, Alzheimer’s, ALS, cancer, certain childhood conditions and others. You are able to choose the benefit amounts that best meet your needs and your budget. Emergency Travel Assistance As an active employee enrolled in Sun Life’s Life or Accident insurance, you and your immediate family are members of Assist America and are entitled to its services, including: medical consultation, evaluation, and referral, hospital admission, critical care monitoring, and lost prescription assistance. Identity Theft Protection You have the support of a comprehensive Identity Theft Protection program through Assist America’s SecurAssist Identity Protection program. It provides: 24x7 telephone support and step-by-step guidance by anti-fraud experts, a case worker assigned to you to help you notify the credit bureaus and file paperwork to correct your credit reports, help canceling stolen cards and reissuing new cards, and help notifying financial institutions and government agencies.
Enroll Today New employees are automatically enrolled in the 403(b) retirement plan. Log into your TIAA portal to view and change your contributions today! Manage Contributions • TIAA Login • How to start, stop or change your 403(b) Contribution • 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) All employees may participate in DePauw's sponsored 403(b) retirement plan, but only full-time employees contributing at least 5% are eligible to receive an 8% employer match. Schedule a Financial Planning Session
This benefit is for all full- and part-time DPU employees whether or not you are on the DPU medical plan. When you find yourself in need of some professional support to deal with personal, work, financial, or family issues, your EAP can assist. All members of your household have 3 free, confidential counseling sessions per year available to you and dependents 24/7/365. Use the link below or call 1.877.622.4327 to get started. Employee Assistance PROGRAM Get Help Clinical Confidential assistance for a range of concerns including addictions, depression, anxiety, stress, relationships, and parenting. Wellness Telephone based wellness coaching for tobacco cessation, weight loss management, fitness and exercise, stress management, parenting, and relationship support. Work-Life Assistance for daily challenges at home and work including financial, legal, child/elder care, and identity theft. Employee ID: depauwuniversity
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. DePauw’s Spiritual Life Team Chaplain Maureen • mklangdoc@depauw.edu | 765-365-2269. Chaplain Jonathan • jonathanmartin@depauw.edu | 704-975- 9284 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 Employees An employee is eligible for Tuition Waiver with course credit or may audit a course for no course credit regardless of the degree(s) held. If you would like to submit an application for tuition waiver, use this form and submit to the Human Resources office. 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: Employees are eligible for tuition benefits on their date of hire, and spouses and dependents are eligible after two years of your full-time employment.
Paid Holidays Thanksgiving Break November 27th – 28th, 2025 Memorial Day May 25th, 2026 Winter Break December 24th, 2025 – January 2nd, 2026 Independence Day July 3rd, 2026 MLK Day January 19th, 2026 Labor Day September 7th, 2026 Spring Break March 27th, 2026 Summer Fridays University offices close at noon every Friday May 22nd – July 31st, 2026 Learn More
Workday Use this link to do the following: • Enroll in benefits • Make a change to your HSA • Made a change to your benefits due to a life changing event Enroll Online
