Indiana University
INTERNATIONAL STUDENT
INSURANCE PLAN

2024-2025 Academic Year

Indiana University requires all International Students, Intensive English Program Students (IEP & PIE), and visiting scholars to be enrolled in the International Student Insurance Plan. OPT students must maintain comprehensive health insurance while in the U.S. and are eligible for the IU International Student Insurance Plan for up to three years after graduation.

If you are a Student Academic Appointee (SAA), an Appointed Post Doctoral Fellow or a Fellowship Recipient, you are automatically enrolled in the SAA or Fellowship Student Health Insurance Plan and should NOT complete this enrollment form.  Please click HERE to be redirected to your plan.

If you are a domestic graduate student in any of the programs listed below, you are automatically enrolled in the Professional Student Health Insurance Plan. Please click HERE to be redirected. 

• School of Medicine (IUSM), 
• School of Dentistry (IUSD), 
• School of Health and Human Sciences (SHHS), 
• School of Optometry (IUSO)
• Department of Speech/Language Pathology Master's & Doctor of Audiology (SLHS) program

Plan Highlights

• The standard plan year begins August 1 and ends July 31 the following year
• The Plan includes comprehensive medical, prescription, vision, and dental coverage for one premium
• The medical plan uses the Anthem Blue Access PPO network with access to providers throughout Indiana, nationwide and overseas.
• Deductibles and out-of-pocket amounts restart annually on August 1
• Annual deductible is $350 per member / $1,050 per family for in-network coverage 
• Out-of-pocket maximum is $5,000 per member / $10,000 per family for in-network coverage
• In-network preventive care is covered by the Plan at 100% 
• IU Student Health Center office visit copay is $15
• Primary Care office visit copay is $25; Specialist office visit copay is $35 
• Urgent Care copay is $50; Emergency Room copay is $100
• Most other services are covered with 20% coinsurance after deductible 
• Medical coverage includes therapy services such as chiropractic care, physical therapy, behavioral health, mental health, and substance use disorder services; See student brochure or plan booklet for more information 
• Vision care coverage through Anthem Blue View Vision, including an annual eye exam with a $20 copay and discounts for vision wear 
• Dental care coverage through Anthem Blue Cross and Blue Shield Dental Complete, including diagnostic and preventive services covered at 100% when using in-network providers

• More detailed benefit information is located on the left side of this page 

Additional Services and Benefits

• Sydney Health app to access your Anthem ID card, find a provider, see claims, and more
• Your medical coverage follows you wherever you go, including nationwide and overseas. As an Anthem member, you have access to care across the country through the BlueCard PPO program, and outside the U.S. through the BCBS Global Core program. Visit the Student Travel Coverage page in the left-hand menu to learn more, including how to find doctors and how to access emergency or non-emergency healthcare while traveling.
• Your health plan includes access to emergency travel assistance through Academic Emergency Services (AES). With AES you have access to 24/7 support if you experience an emergency while traveling over 100 miles from home or outside your country. Services include emergency medical evacuation and repatriation, pre-travel and safety assistance, and an accidental death & dismemberment (AD&D) benefit. Learn more by reviewing Plan Provisions or the AES Flyer & Wallet Card in the left hand menu. AES is available 24/7 by calling 1-855-873-3555 (within the U.S.) or +1-610-263-4660 (outside the U.S.).
• 24/7 Nurseline for guidance on non-emergency health questions and concerns (call 844-545-1429)
• 24/7 virtual access to doctors through LiveHealth Online
• 24/7 access to confidential counseling and support through the Student Assistance Program (SAP) 

PIE Students

PIE Students are automatically enrolled by the international department on their campus. Premiums for student coverage are billed to your bursar account.  

PIE Students may enroll their dependents on a term-by-term basis or for multiple periods at one time by completing the dependent enrollment form on the left side of this page by the deadline. Eligible dependents include the student’s spouse and unmarried children under the age of 26. Documentation to support dependent status is required at time of enrollment, such as a marriage certificate or birth certificate. Dependent eligibility is effective and expires concurrently with that of the insured student, meaning coverage is only available to dependents if and when the student is insured under the plan. 

Dependent premiums cannot be charged to your bursar account and must be paid directly to UHP. Dependent premiums can be paid on a term-by-term basis or for multiple periods at one time at the time of enrollment or in installments. Once enrolled, no portion of the premiums are eligible to be refunded.

If the student does not enroll their dependents during the open enrollment period, they may only enroll later if they have a qualifying life event (see Qualifying Life Event section). 

IEP Students

IEP Students are automatically enrolled by the international department on their campus. Premiums for student coverage are billed to your bursar account.  

IEP Students may enroll their dependents on a term-by-term basis or for multiple periods at one time by completing the dependent enrollment form on the left side of this page by the deadline. Eligible dependents include the student’s spouse and unmarried children under the age of 26. Documentation to support dependent status is required at time of enrollment, such as a marriage certificate or birth certificate. Dependent eligibility is effective and expires concurrently with that of the insured student, meaning coverage is only available to dependents if and when the student is insured under the plan. 

Dependent premiums cannot be charged to your bursar account and must be paid directly to UHP. Dependent premiums can be paid on a term-by-term basis or for multiple periods at one time at the time of enrollment or in installments. Once enrolled, no portion of the premiums are eligible to be refunded.

If the student does not enroll their dependents during the open enrollment period, they may only enroll later if they have a qualifying life event (see Qualifying Life Event section). 

OPT Students

OPT Students must contact their campus International department for permission and access to enroll in this plan.  Student must then complete an Enrollment Form on the left side of the page and enroll by the deadline. OPT students may enroll on a semester-by-semester basis and must pay for the full semester up front.  

OPT Students may enroll their dependents on a semester-by-semester basis as well. Dependent eligibility is effective and expires concurrently with that of the insured student, meaning coverage is only available to dependents if and when the student is insured under the plan. Eligible dependents include the student’s spouse and unmarried children under the age of 26. Documentation to support dependent status is required at time of enrollment, such as a marriage certificate or birth certificate. 

If the student or dependent obtains other coverage through their employer, they may drop IU coverage after the close of a semester.  No portion of the premium for a semester is eligible to be refunded.  OPT students are eligible to return to IU coverage anytime within 3 years following their graduation if they experience a loss of coverage. Students will need to complete the Qualifying Life Event form in the left-hand menu and provide supporting documentation within 30 days of their loss of other coverage.

If the student does not enroll their dependents during the open enrollment period, they may only enroll later if they have a qualifying life event (see Qualifying Life Event section). 

Visiting Scholars

Visiting Scholars must contact their campus International department for permission and access to enroll in this plan.  Scholars must then complete an Enrollment Form on the left side of the page to enroll. Visiting Scholars may enroll on a semester-by-semester basis or choose a custom enrollment period. 

Visiting Scholars may enroll their dependents on a semester-by-semester basis or choose a custom enrollment period as well. However, dependent eligibility is effective and expires concurrently with that of the insured scholar, meaning coverage is only available to dependents if and when the scholar is insured under the plan. Eligible dependents include the scholar’s spouse and unmarried children under the age of 26. Documentation to support dependent status is required at time of enrollment, such as a marriage certificate or birth certificate. 

If the scholar does not enroll their dependent(s) at the same time that they enroll themselves, they may only enroll their dependent(s) later if they have a qualifying life event (see Qualifying Life Event section). 

Students and scholars who do not enroll themselves or their dependents during the initial open enrollment period can only enroll later if they experience a qualifying life event. They must complete the qualifying event enrollment form and provide supporting documentation within 30 days of the life event.

Qualifying life events may include: 

Loss of other coverage – other coverage must be an ACA compliant, filed and approved insurance plan. International insurance, travel plans and plans marketed to international students and OPT participants are not considered comparable and cannot be used to document loss of other health insurance. 

Birth/Adoption– you may enroll a new dependent as of the date of birth or adoption. Documentation of the adoption or birth is required. 

Entry into the U.S. – if your spouse or child(ren) are scheduled to move to the U.S. after the start of the student/scholar’s coverage, the student/scholar may enroll their dependent(s) in the insurance plan effective the date they arrive in the U.S.. A copy of the passport stamp with the date of entry or the dependents I94 is required to confirm the date of entry/effective date. 

Marriage to the student/scholar – if the student/scholar is married after the effective date of their coverage, they may enroll their new spouse as of the date of marriage. A copy of the marriage certificate is required. 

All qualifying life events must be submitted within 30 days of the event. 

Insurance ID Cards

After enrollment, you’ll receive an email from Anthem Student Advantage when your digital ID card is ready to download. You can access your ID card by downloading the Sydney Health app or visiting Anthem.com. You can then email or fax it from your smartphone or computer or request a hard copy ID card be mailed to your address on file. 

Contact Information

IU has partnered with University Health Plans to administer the plan and help with student/scholar and dependent enrollment and documentation questions. University Health Plans can be reached at 833-251-1717 or info@univhealthplans.com. 

For benefit coverage or claim-related questions, Anthem can be reached at 844-412-0752.

For eligibility information, contact your campus International department.