Health Insurance
The University provides full-time employees and their dependents with medical and dental plan options. For employees hired on the first calendar day of a month, coverage will begin immediately. For employees hired after the first calendar day of a month, coverage will begin the first of the month following hire date.
Blue Cross Blue Shield (BCBS)
Member Services: 800-548-1686
2025 Summary of Benefits and Coverage:
Summary Plan Descriptions:
Medicare Part D Certificate of Creditable Coverage
Women's Health and Cancer Rights Act of 1998
Glossary of Health Coverage and Medical Terms
2022 HIPAA Notice of Privacy Practices
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2024 Summary of Benefits and Coverage:
Flexible Spending Account
The University offers a flexible spending account program to allow employees to pay for eligible expenses on a before-tax basis. Employees may establish flexible spending accounts to pay for unreimbursed medical expenses and/or dependent care expenses.
Customer Service: 800-982-7715
2025 ChardSnyder Flexible Spending Account (FSA) Enrollment Form
Flexible Spending Account (FSA) Claim Reimbursement Request Form
FSA Reimbursement Request Form can be used for both Medical and Dependent Care expenses.
HSA Bank (Health Savings Account with the Gold HDHP Option)
The Gold medical plan option is a high-deductible health plan (HDHP). It provides employees with a health savings account (HSA). During 2020, the University will contribute $500 into the HSA for employee-only coverage on the HDHP ($1000 for employee-plus coverage). In addition to IWU’s contribution, employees can contribute to the HSA on a before-tax basis. This account can be used to reimburse employees for out-of-pocket medical expenses.
Member Services: 800-357-6246
Under the Transparency in Coverage Final Rule, plans and issuers will disclose pricing information to the public through machine readable files accessible via a table of contents file. One file requires disclosure of negotiated rates between plans and providers for covered items and services, known as the In-Network File. The second file discloses unique allowed amounts and billed charges for out of network services, known as the Out-of-Network Allowed Amount File. The table of contents includes links to both types of files. The machine readable files are posted on a publicly accessible website, free of charge, without requiring personal identifying information or logging into an account.