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.
Benefit Options
IDA Insurance Trust: Working For YouCheck out our 2023 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.
