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The information on this page will remain here for employees to reference until December 30, 2010 at which time the information will be moved to the current benefits page at www.in.gov/spd/benefits. Thank you for another successful Open Enrollment!
The health of our employees is very important to us. The state of your health impacts every area of your life, including the lives of your co-workers and the business of this state. Please take the time to read and understand the information regarding your healthcare choices for 2011.
We have all seen the recent headlines that healthcare costs continue to rise all across the country. The state of Indiana, as an employer, is no different. We expect our healthcare costs to increase 10% or $30 million for 2011. Despite the challenging economic times and declining state revenues, the state is contributing an additional $15 million towards health benefits in 2011 that will reduce this increase by half.
We can attribute the increase to:
In 2011, the state will offer three Anthem plans: two Consumer Driven Health Plans (CDHPs) and one Traditional PPO plan. For those employees still on the Trad PPO plan, the two CDHPs offer an automatic increase in your take home pay because of the lower premiums. By switching to one of the CDHPs, you will also actually have a lower maximum personal cost for health care.
The Welborn HMO plan will not be offered in 2011 due to the expiration of the contract with Welborn on Dec. 31, 2010. Those employees currently on Welborn must select one of the other three plans for next year.
The consumer-driven health plans (CDHP) I and II are high deductible health plans. These plans have higher deductibles, but lower premiums than the Traditional PPO. (learn more...)
The Traditional PPO is an 80/20 co-insurance plan, which means the employee will pay 20 percent of allowable claims after the deductible is met and before out-of-pocket maximums are reached. (learn more...)