Benefit Options

IDA Insurance Trust: Working For You

In 2013, The Indiana Dental Association rolled out their answer to the Affordable Care Act and mandates that would limit options for the IDA Members’ insurance needs, thus forming The IDA Insurance Trust. The IDA Insurance Trust is a self-funded MEWA (Multiple Employer Welfare Arrangement), allowing the IDA to present a medically underwritten health insurance plan, a variety of deductible options and a more board network of covered doctors and medical facilities, to dentists to enhance their membership benefits.

Check out our 2024 Benefits Offerings

PPO $500

Single

Family

Single

Deductible
$500 network / $1,000 non-network

Family

Deductible
$1,500 network / $3,000 non-network

Single

Out of Pocket Maximum
$2,000 network / $4,000 non-network

Family

Out of Pocket Maximum
$4,000 network / $8,000 non-network

Single

Coinsurance*
20% network | 40% non-network

Family

Coinsurance*
20% network | 40% non-network

Single

Hospital Services
20% network | 40% non-network

Family

Hospital Services
20% network | 40% non-network

Single

Office Visit
$25 co-pay network | 40% non-network

Family

Office Visit
$25 co-pay network | 40% non-network

Single

Urgent Care Facility
$75 Co-pay

Family

Urgent Care Facility
$75 Co-pay

Single

Outpatient Facility
20% network | 40% non-network

Family

Outpatient Facility
20% network | 40% non-network

Single

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
$200 Deductible** $15 Tier 1 | $40 Tier 2 | $60 Tier 3

Family

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
$200 Deductible** $15 Tier 1 | $40 Tier 2 | $60 Tier 3

Single

Anthem Mail Order Prescription Drug (up to 90 day supply)
$15 Tier 1 | $100 Tier 2 | $180 Tier 3

Family

Anthem Mail Order Prescription Drug (up to 90 day supply)
$15 Tier 1 | $100 Tier 2 | $180 Tier 3

Single

Emergency Room
$200 Co-pay

Family

Emergency Room
$200 Co-pay

Single

Human Organ Transplant
0% in network | 50% out-of-network

Family

Human Organ Transplant
0% in network | 50% out-of-network

Single

Ambulance
20%

Family

Ambulance
20%

Single

Outpatient Therapy Services
20 visits per calendar year, 36 visits for Cardiac Rehab

Family

Outpatient Therapy Services
20 visits per calendar year, 36 visits for Cardiac Rehab

Single

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
20% network | 40% non-network

Family

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
20% network | 40% non-network

Single

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
$25 co-pay network | 40% non-network

Family

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
$25 co-pay network | 40% non-network

*Coinsurance percentages indicate your share of billed services after you have met your deductible.

**Prescription deductible does not apply to Generic prescriptions.

***Maternity coverage is included on all IDA Group Health Plans.

PPO $1000

Single

Family

Single

Deductible
$1,000 network / $2,000 non-network

Family

Deductible
$3,000 network / $6,000 non-network

Single

Out of Pocket Maximum
$3,000 network / $6,000 non-network

Family

Out of Pocket Maximum
$6,000 network / $12,000 non-network

Single

Coinsurance*
20% network | 40% non-network

Family

Coinsurance*
20% network | 40% non-network

Single

Hospital Services
20% network | 40% non-network

Family

Hospital Services
20% network | 40% non-network

Single

Office Visit
$25 co-pay network | 40% non-network

Family

Office Visit
$25 co-pay network | 40% non-network

Single

Urgent Care Facility
$75 Co-pay

Family

Urgent Care Facility
$75 Co-pay

Single

Outpatient Facility
20% network | 40% non-network

Family

Outpatient Facility
20% network | 40% non-network

Single

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
$200 Deductible** $15 Tier 1 | $40 Tier 2 | $60 Tier 3

Family

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
$200 Deductible** $15 Tier 1 | $40 Tier 2 | $60 Tier 3

Single

Anthem Mail Order Prescription Drug (up to 90 day supply)
$15 Tier 1 | $100 Tier 2 | $180 Tier 3

Family

Anthem Mail Order Prescription Drug (up to 90 day supply)
$15 Tier 1 | $100 Tier 2 | $180 Tier 3

Single

Emergency Room
$200 Co-pay

Family

Emergency Room
$200 Co-pay

Single

Human Organ Transplant
0% in network | 50% out-of-network

Family

Human Organ Transplant
0% in network | 50% out-of-network

Single

Ambulance
20%

Family

Ambulance
20%

Single

Outpatient Therapy Services | Spinal Manipulations
20 visits per calendar year, 36 visits for Cardiac Rehab

Family

Outpatient Therapy Services | Spinal Manipulations
20 visits per calendar year, 36 visits for Cardiac Rehab

Single

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
20% network | 40% non-network

Family

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
20% network | 40% non-network

Single

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
$25 co-pay network | 40% non-network

Family

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
$25 co-pay network | 40% non-network

*Coinsurance percentages indicate your share of billed services after you have met your deductible.

**Prescription deductible does not apply to Generic prescriptions.

***Maternity coverage is included on all IDA Group Health Plans.

PPO $2,500

Single

Family

Single

Deductible
$2,500 network / $5,000 non-network

Family

Deductible
$7,000 network / $15,000 non-network

Single

Out of Pocket Maximum
$6,000 network / $12,000 non-network

Family

Out of Pocket Maximum
$12,000 network / $24,000 non-network

Single

Coinsurance*
20% network | 40% non-network

Family

Coinsurance*
20% network | 40% non-network

Single

Hospital Services
20% network | 40% non-network

Family

Hospital Services
20% network | 40% non-network

Single

Office Visit
$30 co-pay network | 40% non-network

Family

Office Visit
$30 co-pay network | 40% non-network

Single

Urgent Care Facility
$75 Co-pay

Family

Urgent Care Facility
$75 Co-pay

Single

Outpatient Facility
20% network | 40% non-network

Family

Outpatient Facility
20% network | 40% non-network

Single

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
$200 Deductible** $15 Tier 1 | $40 Tier 2 | $60 Tier 3

Family

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
$200 Deductible** $15 Tier 1 | $40 Tier 2 | $60 Tier 3

Single

Anthem Mail Order Prescription Drug (up to 90 day supply)
$15 Tier 1 | $100 Tier 2 | $180 Tier 3

Family

Anthem Mail Order Prescription Drug (up to 90 day supply)
$15 Tier 1 | $100 Tier 2 | $180 Tier 3

Single

Emergency Room
$200 Co-pay

Family

Emergency Room
$200 Co-pay

Single

Human Organ Transplant
0% in network | 50% out-of-network

Family

Human Organ Transplant
0% in network | 50% out-of-network

Single

Ambulance
20%

Family

Ambulance
20%

Single

Outpatient Therapy Services | Spinal Manipulations
20 visits per calendar year, 36 visits for Cardiac Rehab

Family

Outpatient Therapy Services | Spinal Manipulations
20 visits per calendar year, 36 visits for Cardiac Rehab

Single

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
20% network | 40% non-network

Family

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
20% network | 40% non-network

Single

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
$30 co-pay network | 40% non-network

Family

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
$30 co-pay network | 40% non-network

*Coinsurance percentages indicate your share of billed services after you have met your deductible.

**Prescription deductible does not apply to Generic prescriptions.

***Maternity coverage is included on all IDA Group Health Plans.

HSA $4,000/$8,000

Single

Family

Single

Deductible
$4,000 network / $8,000 non-network

Family

Deductible
$8,000 network / $16,000 non-network

Single

Out of Pocket Maximum
$4,000 network / $8,000 non-network

Family

Out of Pocket Maximum
$8,000 network / $16,000 non-network

Single

Coinsurance*
0%

Family

Coinsurance*
0%

Single

Hospital Services
0%

Family

Hospital Services
0%

Single

Office Visit
0%

Family

Office Visit
0%

Single

Urgent Care Facility
0%

Family

Urgent Care Facility
0%

Single

Outpatient Facility
0%

Family

Outpatient Facility
0%

Single

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
0%

Family

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
0%

Single

Anthem Mail Order Prescription Drug (up to 90 day supply)
0%

Family

Anthem Mail Order Prescription Drug (up to 90 day supply)
0%

Single

Emergency Room
0%

Family

Emergency Room
0%

Single

Human Organ Transplant
0%

Family

Human Organ Transplant
0%

Single

Ambulance
0%

Family

Ambulance
0%

Single

Outpatient Therapy Services
20 visits per calendar year, 36 visits for Cardiac Rehab

Family

Outpatient Therapy Services
20 visits per calendar year, 36 visits for Cardiac Rehab

Single

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
0%

Family

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
0%

Single

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
0%

Family

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
0%

*Coinsurance percentages indicate your share of billed services after you have met your deductible.

**Prescription deductible does not apply to Generic prescriptions.

***Maternity coverage is included on all IDA Group Health Plans.

HSA $6,450/$12,900

Single

Family

Single

Deductible
$6,450 network / $12,900 non-network

Family

Deductible
$12,900 network / $25,800 non-network

Single

Out of Pocket Maximum
$6,450 network / $12,900 non-network

Family

Out of Pocket Maximum
$12,900 network / $25,800 non-network

Single

Coinsurance*
0%

Family

Coinsurance*
0%

Single

Hospital Services
0%

Family

Hospital Services
0%

Single

Office Visit
0%

Family

Office Visit
0%

Single

Urgent Care Facility
0%

Family

Urgent Care Facility
0%

Single

Outpatient Facility
0%

Family

Outpatient Facility
0%

Single

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
0%

Family

Prescription Drug Co-pay applies at all Anthem participating network pharmacies (30 day supply max.)
0%

Single

Anthem Mail Order Prescription Drug (up to 90 day supply)
0%

Family

Anthem Mail Order Prescription Drug (up to 90 day supply)
0%

Single

Emergency Room
0%

Family

Emergency Room
0%

Single

Human Organ Transplant
0%

Family

Human Organ Transplant
0%

Single

Ambulance
0%

Family

Ambulance
0%

Single

Outpatient Therapy Services
20 visits per calendar year, 36 visits for Cardiac Rehab

Family

Outpatient Therapy Services
20 visits per calendar year, 36 visits for Cardiac Rehab

Single

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
0%

Family

Behavioral Health | In-patient (Admin. by Anthem Behavior Health and network providers)
0%

Single

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
0%

Family

Behavioral Health | Physician Office (Admin. by Anthem Behavior Health and network providers)
0%

*Coinsurance percentages indicate your share of billed services after you have met your deductible.

**Prescription deductible does not apply to Generic prescriptions.

***Maternity coverage is included on all IDA Group Health Plans.

VSP Vision Care Benefit Summary

Benefits

Cost

Frequency

Benefits

Wellvision Exam

Cost

Deductible
$10

Frequency

Frequency
Every Calendar Year

Benefits

Essential Medical Eye Care

Cost

Deductible
$0/screening | $20/exam

Frequency

Frequency
Available as needed

Benefits

Prescription Glasses

Cost

Deductible
$25

Frequency

Benefits

Frame

Cost

Deductible
Included in Prescription Glasses

Frequency

Frequency
Every other calendar year

Benefits

Lenses

Cost

Deductible
Included in Prescription Glasses

Frequency

Frequency
Every calendar year

Benefits

Lens Enhancements

Cost

Deductible
$0 Standard Progressive Lenses | $95-$105 Premium Progressive Lenses | $150-$175 Custom Progressive Lenses

Frequency

Frequency
Every calendar year

Benefits

Contacts (Instead of Glasses)

Cost

Deductible
Up to $60

Frequency

Frequency
Every calendar year

Group Basic Life and Accidental Death

Benefits

Explanation

Benefits

Basic Life Coverage Amount

Explanation

Your Basic Life coverage amount is $25,000.

Benefits

Basic AD&D Coverage Amount

Explanation

For a covered accidental loss of life, your Basic AD&D coverage amount is equal to your Basic Life coverage amount. For other covered losses, a percentage of this benefit will be payable.

Benefits

Life Age Reductions

Explanation

Basic Life and AD&D insurance coverage reduces to 65% at age 65, to 50% at age 70, and 35% at age 75.

Benefits

Other Basic Life Features and Services

Explanation

Accelerated Death Benefit, Life Services Toolkit, Portability of Insurance, Repatriation Benefit, Right to Convert, Standard Secure Access account payment option, Travel Assistance, Waiver of Premium

Benefits

Other Basic AD&D Features

Explanation

Family benefits package, Helmet benefit, Seat belt and air bag benefits
View current benefits/make changes

I have been with the IDA insurance trust since its inception in 2013. Since joining the trust we have seen our premiums remain remarkably stable, and the customer service Ashley and Wanda provide is outstanding. The insurance product provided by Anthem is top rate and the personalized attention the IDA insurance staff provides is wonderful. Whether I or a staff member would like to review health insurance options, make changes to a policy, or add a dependent the staff at IDA insurance is easy to get in contact with and quick to answer any questions. I highly recommend the IDA insurance trust for you and your staff.

Jason Glassley, DDS

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