Health Plan Options
Discover more ways to save
The state will continue offering three statewide medical plans for 2024: Consumer-Driven Health Plan 1 (CDHP 1), Consumer-Driven Health Plan 2 (CDHP 2) and Traditional Plan. All three available plans are in the National (BlueCard) PPO network with Anthem and have a prescription drug plan through CVS Caremark. Each plan has differences in premium costs, deductibles, and out-of-pocket maximums.
The plans will continue to be tiered, with Anthem’s HealthSync as the Tier 1, lowest cost option. Within each plan, employees may choose providers from any of the network options. Each network has a diverse group of providers that provide all types of services including preventive care, acute care for illnesses, and chronic care. The big difference between the networks is the cost to you.
Tier 1 - HealthSync | Preferred provider tier with lower visit costs, lower deductible, lower coinsurance, and lower out-of-pocket maximum.
Tier 2 - In-Network | All other in-network providers.
For the 2024 plan year, premiums, deductibles, and out-of-pocket maximums for all three plans have been adjusted to keep pace with rising healthcare costs while still providing the best benefits to employees. Specific information about each plan can be found below.
Reminder: 2023 was the final year for the Wellness Premium. The non-tobacco use incentive will continue to be offered.
Plan Summaries
Compare the plans
- 2024 Plan Comparison - This document includes information related to office visits, inpatient, ER, urgent care, wellness and prevention and medicine as they relate to each plan.
- 2024 Maximum Exposure Calculations - Please note these examples assume employee takes advantage of the Non-Tobacco Use Incentive and costs are incurred within the Anthem provider network.
How the plans work
- Anthem Tier 1 - HealthSync Provider Search: A tool to help you find which providers are in Tier 1 - HealthSync.
- Anthem Provider Search Guide: A step-by-step explanation of how to search Anthem's website to find your provider's Tier.
- Anthem HealthSync Guide: An overview of the HealthSync Network for State of Indiana employees.
- HealthSync video: Details about how state employees can discover new ways to save with the HealthSync Network.
- Anthem digital ID cards
Know where to go for care
- Know where to go for care guide from Anthem - This document includes information about cost of care by place of service.
If you are confused about an insurance term or need a more detailed explanation of the application, please view the list of common insurance terms here: www.in.gov/idoi/ratewatch/InsuranceTerms.aspx.