Haris Ashley
In Indiana, public employers may provide group health insurance programs for their full-time employees. Newly hired employees at Indiana University, for example, must enroll in a health plan within 30 days of being hired into a benefits-eligible position. The State of Indiana has also established a Retirement Medical Benefits Account Plan (RMBA) for retired employees who are eligible for and have received a normal, unreduced, or disability retirement benefit.
| Characteristics | Values |
|---|---|
| Indiana University medical insurance eligibility | Full-time (75% FTE or greater) appointed academic and staff employees |
| Enrollment period | Within 30 days of being hired into a benefits-eligible position, within 30 days of an IRS-defined qualifying life event, or during the annual Open Enrollment period |
| Enrollment for newborns | Automatic coverage from birth for a period of 31 days if (1) covered under an IU-sponsored healthcare plan on the child's birth date, and (2) the newborn meets the definition of a qualified dependent |
| Enrollment for adopted children | Coverage may begin from the point the child is placed with the employee (granted custody) for the purpose of adoption |
| Enrollment for spouses | Allowed, but each employee must enroll separately as "employee only" or "employee with children" in separate plans under their own salary bands |
| Enrollment for other eligible individuals | Children who the employee is legally required to provide health care coverage under a Qualified Medical Support Order, as defined by ERISA or an applicable Indiana state law |
| Continuation of IU-sponsored healthcare coverage | Refer to the COBRA web page |
| Continuation of health insurance as an IU retiree | Refer to the Retiree benefits web page |
| Reporting new hires | Employers must report all new hires within 20 days of their hire date |
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![Annual report of the Department of Insurance of the State of Indiana for the fiscal year ending September 30 . Volume 1 (1921) 1921 [Leather Bound]](https://m.media-amazon.com/images/I/81HiC2Oig0L._AC_UY218_.jpg)
![Annual report of the Department of Insurance of the State of Indiana for the fiscal year ending September 30 . Volume 2 (1922) 1922 [Leather Bound]](https://m.media-amazon.com/images/I/01RmK+J4pJL._AC_UY218_.gif)
What You'll Learn
Indiana University offers medical insurance to new employees and their families
Indiana University offers medical insurance to eligible full-time academic and staff employees and their families. This includes a spouse (by marriage, either opposite-sex or same-sex), children, and children who the employee is legally required to provide health care coverage for under a Qualified Medical Support Order. When an adoption is in the legal process, coverage for the adopted child may begin from the point the child is placed with the employee (granted custody) for the purpose of adoption.
There are two plans available: a traditional health plan and a high deductible health plan (HDHP) with a health savings account (HSA) option. Each plan includes prescription drug, mental health, and vision coverage, as well as programs and services to improve well-being and access to care.
Enrollment in these plans must be completed within 30 days of being hired into a benefits-eligible position, within 30 days of an IRS-defined qualifying life event, or during the annual Open Enrollment period. If an employee is placed on leave at the time of initial eligibility, their coverage will become effective on the first day of active employment.
Indiana University Health Plans also offers a health plan for federal employees and their families, providing access to Indiana's largest network of physicians and leading-edge medicine and treatment options.
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Employees must enrol within 30 days of being hired
Indiana University offers medical and dental benefits to employees and their families, provided they meet the eligibility criteria. Full-time employees (75% FTE or greater) appointed to academic and staff positions are eligible for medical and dental plan enrolment.
During this period, new employees can also enrol eligible dependents, such as a spouse or children, on their plans. Required documentation, such as marriage or birth certificates, must be provided during enrolment to prove dependent eligibility. It's important to note that failure to provide this proof within 30 days of the university's request may result in termination of health plan coverage for the dependent.
In addition to the 30-day new hire enrolment period, employees can also enrol during the annual Open Enrollment period. Outside of these periods, changes to dependent coverage are only allowed in the event of an IRS-defined life event, such as marriage, divorce, or loss of coverage, and must be made within 30 days of the event.
For those interested in continuing their IU-sponsored healthcare coverage after significant life changes, such as a change in employment or family status, Indiana University provides resources on its COBRA web page. Similarly, information about continuing health insurance as an IU retiree can be found on the Retiree benefits web page.
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Employers must report new hires within 20 days
In the state of Indiana, employers must report new hires within 20 days of their hire date. This is a federal requirement, and the information is used to match child support records to help locate parents who owe child support. Indiana Statute IC 22-4-10-8 and the Personal Responsibility and Work Opportunity Reconciliation Act (PRWORA) of 1996, 42 U.S.C. 653a, require employers to electronically report new hires to a state directory. This includes full-time, part-time, and temporary employees, as well as rehires and employees returning from an extended absence.
Indiana also has specific requirements for reporting minor employees. Since July 1, 2021, employers with five or more minor employees must use the Indiana Youth Employment System (YES) to track and report this information. Employers who fail to comply with this requirement may face fines of up to $400 per infraction, per minor employee.
In addition to reporting new hires, employers in Indiana should be aware of other requirements and regulations regarding employee benefits and rights. For example, Indiana law requires employers to provide pay statements each pay period indicating total hours worked, wages, and deductions. Additionally, Indiana law requires employers to provide group health insurance for retired employees under certain conditions, as outlined in the Indiana Code.
Furthermore, Indiana University offers medical and dental benefits to eligible employees and their family members, with enrollment taking place within 30 days of being hired into a benefits-eligible position. This includes coverage for newborns from birth until a period of 31 days, as well as eligible dependent children.
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Retired employees are eligible for group health insurance
In Indiana, retired employees are eligible for group health insurance. According to Indiana state law, a public employer may provide group health insurance programs for retired employees. This is applicable to retired employees who meet the following criteria:
- The retired employee must have reached 55 years of age or older by their retirement date.
- They are not eligible for Medicare coverage as per 42 U.S.C. 1395 et seq. on their retirement date.
- They have completed a minimum of 20 years of creditable employment with a public employer before their retirement date, with at least 10 of those years being consecutive to retirement.
- They have participated in the retirement plan for at least 15 years before their retirement date.
Retired employees who meet these requirements can continue their insurance coverage until they become eligible for Medicare or when the employer terminates the health insurance program. Additionally, retired employees can elect to have their spouses covered under the health insurance program at the time of retirement. This eligibility for spouses is not affected by the death of the retired employee, but it does end when the spouse becomes eligible for Medicare coverage.
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Employers can choose to offer group health insurance
In Indiana, employers can choose to offer group health insurance to their employees. This is also known as a Group Health Plan (GHP) and is defined as health insurance offered by an employer, union, or association to its members while they are still working. Employers with 20 or more employees are required by law to offer current workers and their spouses aged 65 or older the same GHP health benefits as younger employees.
There are several ways in which employers in Indiana can provide group health insurance:
- By purchasing policies of group insurance.
- By establishing self-insurance programs, although this is subject to approval by the unit's fiscal body.
- By electing to provide coverage through a state employee health plan.
Some employers may choose to implement a Health Reimbursement Arrangement (HRA) or a health stipend instead of a group plan. This allows employers to reimburse employees for their individual health plan premiums and qualifying medical expenses. Employees can then choose and purchase an individual health insurance plan that suits their needs and budget. Small employers that offer an HRA to their employees in 2024 may be eligible for a tax credit.
In Indiana, public employers are required to provide a group health insurance program to retired employees who meet certain criteria. This includes employees who will have reached the age of 55 by their retirement date but will not be eligible for Medicare coverage. Additionally, Indiana University offers medical and dental benefits to employees and family members who meet specific eligibility criteria.
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Frequently asked questions
New Indiana state employees are eligible for medical insurance once they are hired into a benefits-eligible position. Enrollment must be completed within 30 days of being hired.
Indiana University offers medical benefits to full-time (75% FTE or greater) appointed academic and staff employees. Indiana also has a health insurance program for retired employees.
Indiana has several health insurance plans, including the Healthy Indiana Plan, Hoosier Healthwise, Hoosier Care Connect, and Traditional Medicaid.
