HSA Qualified Plan

Health Savings Account Qualified Plan

While the Health Savings Account (HSA) Qualified Health Plan has the highest deductibles, it also has the lowest premiums, both of which can be offset by the contributions (HSA seed) that the university makes to your HSA account. An HSA is a tax-advantaged account where you can set aside funds to pay for healthcare expenses now and in the future. 

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The HSA Qualified Health Plan provides comprehensive medical coverage with access to Anthem’s broad provider network and 100 percent coverage for in-network preventive care. However, the plan works differently than other traditional health plans in the following ways:

  • Nonpreventive medical and prescription expenses accumulate toward both the deductible and out-of-pocket maximum.
  • Unless you have employee-only (individual) coverage, you are considered a family.
  • The out-of-pocket maximum for family coverage has both an individual maximum and family maximum. No one individual will accumulate more than the individual out-of-pocket maximum. However, a family must meet the family out-of-pocket maximum before the plan pays at 100 percent.

The HSA contributions that you and the university make can be used to pay for eligible medical, prescription, dental, and vision expenses for you and your IRS tax dependents. The funds you don’t use will roll over for use in future years.

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More Information

Visit Anthem's website to find information about your claims, search for doctors and hospitals, compare costs, and more.

Helpful Resources

 

High Deductible Wellness Plan

The High Deductible Wellness Plan covers preventive services at 100 percent. Also, diagnostic blood work at contracted labs (LabCorp, American Health Network, and Quest Diagnostics) and visits to the Ball State Employee QuickClinic are covered at 100 percent and are not subject to the deductible.

The plan gives you access to Anthem’s broad network of providers, and once you have met your deductible, in-network medical services are paid at 80 percent. If you go on to meet your out-of-pocket maximum, medical services are covered at 100 percent for the remainder of the calendar year.

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More Information

Visit Anthem's website to find information about your claims, search for doctors and hospitals, compare costs, and more.

Helpful Resources

 

Low Deductible PPO Plan

The Low Deductible PPO Plan covers preventive services at 100 percent. Also, diagnostic blood work at contracted labs (LabCorp, American Health Network, and Quest Diagnostics) and visits to the Ball State Employee QuickClinic are covered at 100 percent and are not subject to the deductible.

The plan gives you access to Anthem's broad network of providers, and once you have met your deductible, in-network medical services are paid at 75 percent. If you go on and meet your out-of-pocket maximum, medical services are covered at 100 percent for the remainder of the calendar year. 

More Information

More Information

Visit Anthem's website to find information about your claims, search for doctors and hospitals, compare costs, and more.

Helpful Resources

 

Prescription Benefits

Express Scripts is Ball State's prescription benefits manager.

Download Coverage Table (PDF)

Formulary List

A formulary is the list of drugs included in your prescription drug benefit plan. Inclusion on the list does not guarantee coverage. Download the list (PDF).

Manage Your Account

Visit the Express Scripts website to view claims, print forms (mail order and claim forms), order ID cards, price medications, manage your mail order online, and more.

More Helpful Resources

Drug Step Therapy FAQ (PDF)—Read answers to frequently asked questions about step therapy, a component of Express Script's Advanced Utilization Management program that ensures members are getting high quality and cost-effective medications.

Drug Prior Authorizations FAQ (PDF)—Read answers to frequently asked questions about prior authorizations, a component of Express Script's Advanced Utilization Management program that ensures members are getting high quality and cost-effective medications.

Drug Quantity Management FAQ (PDF)—Read answers to frequently asked questions about drug quantity management, a component of Express Script's Advanced Utilization Management program that ensures members are getting high quality and cost-effective medications.