- Health Insurance
- Dental Insurance
- Domestic Partners Benefits
- Open Enrollment
- Continuation Coverage
- Mental Health Resources
- Physician Assistance Program
- Disability Insurance
- Life and AD&D
- Medical Malpractice Liability
- Uniforms and IUSM Photo IDs
- Vehicle Registration-Parking
- Living Quarters
- OSHA
- On-Call Meals
- Fee Courtesy
- Banking Services
- Fitness Facilities
NOTE: As IU School of Medicine trainees, you do not receive Clarian benefits. All your benefits are provided by IUSM.
EFFECTIVE JULY 1, 2009, ALL TRAINEE MEDICAL AND VISION BENEFITS WILL BE THROUGH ANTHEM INSTEAD OF CIGNA.
Health insurance is provided to the house staff by the affiliated hospitals through the School of Medicine Office of Graduate Medical Education. You will be responsible for any co-payments required by the plan at the time of service. Courtesy discounts are not permitted for inpatient or outpatient hospital charges which are not covered by insurance. The plan year runs from July through the following June. If you marry or have a child, you must complete a new form to add the dependent(s) to your insurance within thirty days of the event. If you do not complete an enrollment form within thirty days of the event, you will be required to wait until the next open enrollment period to obtain benefits for your spouse or child. Proof of dependent coverage (i.e. marriage certificate, birth certificate, etc) must be submitted to the Office of Graduate Medical Education within 30 days from the effective date. Coverage will end on the last day of eligibility; for example, midnight on the last day of active, full-time training. (See section on Continuation Coverage.)
Medical Care
Anthem: The Anthem Blue Cross & Blue Shield Physician Directory is available on line at www.anthem.com. Your plan is the Blue Access PPO. NOTE: The first time you go to the website, it will be necessary to set up a username and password before you can proceed. The directory contains a comprehensive list of Anthem physicians, including its primary care and specialty physicians, office locations, and the hospital(s) you will be admitted to if inpatient services are necessary. You can also find a detailed summary of medical benefits below under Things you can do.
Prescription Drug Plan
Anthem members have access to over 62,000 pharmacies across the country. A list of pharmacies is located on the Anthem website. On www.anthem.com, you can research and compare thousands of different drugs and obtain actual out-of-pocket costs for your prescriptions.
Vision Care
The vision program is Blue View Vision-Exam Plus Option #5. You can find a summary of this benefit here. Anthem has an extensive nationwide network of doctors who provide quality eye care and materials. When you are seen by a participating doctor, your plan covers an eye examination, less any applicable copayment. You may also purchase eyeglass frames, lenses, and contact lenses at a discount.
Things you can do:
- Click here for a detailed summary of your medical benefits, including prescription coverage.
- Click here to see the complete plan document.
- To add a new spouse or dependent child to your benifits, complete this form and return to the GME Office along with proof of dependency (marriage certificate or hospital confirmation of birth).
NOTE: If you need to add a dependent to your insurance between now and July 1, use the Cigna application, found here. - To contact Anthem directly regarding any benefits questions, call 1-800-295-4119.
- You can log into www.anthem.com search physician directories, print out new benefit cards, check the status of claims made, learn about health assessment tools, and more.
You have a choice of two dental care plans: CIGNA Dental Health Maintenance Organization (DHMO) and CIGNA Preferred Provider Organization (PPO). You can find information on either of these programs at the CIGNA website. You will be allowed to enroll in one of these plans at the beginning of your training. You can click here for a summary of the two plans. You can find the application form by going to the "Frequently Requested Forms" page and looking under "Benefit Forms." If you decide not to enroll, you must wait until the next open enrollment period to receive this benefit. Also, you may change plans only during open enrollment.
DHMO: (Note: on the application, this is called Cigna Dental Care). This program emphasizes diagnostic and preventive services and offers quality services and benefits through a network of participating dental locations. With the DHMO there are no deductibles or claim forms. You will receive services at no charge for x-rays, routine cleanings, topical fluoride, oral exams, and local anesthesia. All other procedures are covered at substantial savings to you. Please refer to your Fee Overview which shows the exact amount you pay for other procedures.
PPO: This is a traditional plan that provides reimbursement for dental services from a network of participating providers, or at a lower benefit, outside the network from any licensed dentist of your choice. You are required to pay the dentist for normal charges and then file a claim for reimbursement. Under this program, you have an annual deductible of $50 for a single plan and $150 for a family plan. There is also an annual benefit maximum amount of $500 per person per plan year.
The IU School of Medicine provides the benefits listed below for qualified domestic partners and qualified children of domestic partners.
- Medical and dental coverage
- Fee courtesy
- Life and Accidental Death and Dismemberment Insurance
To take advantage of these benefits for a same-sex domestic partner and any associated child(ren), a house staff member will first need to register the domestic partnership with the IU Office of Graduate Medical Education by completing an Affidavit of Domestic Partnership form (found on the Frequently Requested Forms page)and submitting the required supporting documentation. After completing that process, a house staff member would follow the normal benefit enrollment provisions for the domestic partnership.
Open enrollment occurs annually during the month of May. Changes made during open enrollment will be effective from July 1 through the following June 30. You may change your primary care physician at any time during the plan year; you don't have to wait for open enrollment to do this. If you had a qualifying event during the past year but did not add your spouse or child to your health plan within thirty days of the event, you may add the individual during the open enrollment period. No individual may be eligible for benefits both as a house staff member and as a dependent, or as a dependent of more than one house staff member.
You and/or your dependents may continue your benefits under your group health plan for up to eighteen months after completion of training. This is called Continuation Coverage. You will be notified that you have the right to continue coverage and you will have sixty days to respond. If you elect to continue coverage, the total cost is your responsibility. IU School of Medicine will not supplement the cost. There will be no interruption in benefits if your election form is completed within the specified time and you have paid all premiums due within 45 days of the date you complete your election form. Premiums are calculated at the Group Plan rates. It is important that the Office of Graduate Medical Education has a current address on file for you in order to insure that all information related to Continuation Coverage is received by you in a timely manner. If you choose not to continue coverage, your group health insurance will end at your termination date.
MENTAL HEALTH REFERRAL, EVALUATION, AND TREATMENT RESOURCES
Indiana University School of Medicine provides free and confidential counseling services to the medical students and house staff. Information can be obtained by calling Counseling Services at 317-278-4750 or visiting their website at http://msa.iusm.iu.edu/StudentDevelopment/personalcounseling.asp. Services available are: individual, couples and family, and group counseling, consultation, programming, and emergency intervention. Typical concerns presented for counseling include adjustment, alcohol or drug-related difficulties, anxiety/stress management, body image, depression, disordered eating, emotional response to physician responsibilities, harassment, individual differences, relationship difficulties, self-esteem, sexuality, sexual victimization, and suicidal thoughts. At times, students and house staff may require mental health evaluation and/or long-term counseling. These individuals are referred to mental health professionals both on and off campus who provide these services. The Office of Counseling Services may assist, organize, and/or present educational programs depending on advance notice and availability.
All individuals will be treated with respect regardless of age, color, counseling concern, ethnicity, gender, marital/parental status, national origin, race, religion, physical ability, sexual orientation, or veteran status. Counseling is confidential in accordance with state laws and ethical guidelines. Counseling records are maintained in files separate from the student/house staff files and cannot be accessed by faculty, staff, administrators, parents or other student/house staff without the individual's written permission. Students and house staff may schedule an appointment by calling Counseling Services. A meeting with the counselor should be available within one week. Walk-in and evening appointments are welcomed depending on counselor availability. When an emergency occurs after regular business hours call 911 or the Access Center for Clarian Health, 24 hour a day, 7 days a week at 317-962-2622.
Mandated psychiatric or substance abuse evaluations may be requested by a residency training director or the Associate Dean for Graduate Medical Education when there is concern that a resident's performance may be impaired by psychiatric illness or substance abuse. Results of a mandated evaluation are reported to the residency training director and to the Associate Dean for Graduate Medical Education. The results of such evaluations are circulated as narrowly as possible consistent with the need to establish fitness to continue in training. Refusal to cooperate with a mandated psychiatric or substance abuse evaluation may be considered grounds for administrative dismissal from the training program. Additional coverage for mental health services is available through Anthem.
IU School of Medicine has contracted with the Indiana State Medical Association Physician Assistance Commission (ISMA-PAC) to coordinate efforts in identifying and assisting IUSM physicians with illnesses impairing their ability to practice medicine. These illnesses may include chemical dependency, psychiatric illnesses, and/or physical illnesses. The ISMA-PAC was created to assist in the identification, treatment, and rehabilitation of an impaired member of the medical staff and house staff.
The ISMA Commission serves all physicians who provide care at Clarian Methodist, IU, Riley, VAMC, and Wishard Hospitals be they faculty, staff, or resident physicians. If intervention is deemed appropriate, it is undertaken in a confidential, positive, supportive manner, consistent with the laws of the State of Indiana, with the goals of recovery and rehabilitation foremost in mind. For confidential assistance, contact: Candace Backer, ISMA Physician Assistance Coordinator, 322 Canal Walk, Indianapolis, IN 46202; Phone: 317-261-2060 or 1-800-257-4762.
The group long-term disability coverage, provided at no cost to house staff members of IU School of Medicine, is an AMA-sponsored group disability policy underwritten by Standard Insurance Company of Oregon. This policy known as Med Plus Advantage was designed with the specific needs of Resident Physicians kept in mind. Following is a summary of the policy features under the AMA-sponsored policy.
- $2,500 Monthly Benefit
- 90-Day Waiting Period
- Maximum Benefit Period to normal Social Security Retirement Age (typically Age 67)
- Cost of Living Rider that increases your benefit post disability based on annual changes in the CPI to a 4.5% maximum annual increase.
- Definition of Disability covering you in your specific specialty during the first five years of disability after five years of disability covered as a Doctor.
- $200,000 Student Loan Payoff provision for qualifying disabilities
- Doubling of benefit to $5,000 a month for qualifying disabilities
You have the right to purchase your own individual disability policy with a monthly benefit of $2,500 upon completion of your Residency or Fellowship. This coverage will include a Future Increase Option Rider which will allow you to increase the $2,500 monthly benefit to $7,500 of monthly benefit as your income grows. There is very limited underwriting to qualify for this coverage. Coverage is through Union Central Life and rates are discounted by 15% for IU School of Medicine Residents and Fellows. Any Resident or Fellow concerned about their medical history should look at this option when leaving training. During your last 90 days of Residency or Fellowship you will receive information from the AMA on this option. If you have any questions on this coverage, please contact Lee D. Moore at 317-558-1012 or John C. Haffner at 317-873-8254. You can also email your questions or policy request to residentdi@aol.com.
LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
Basic Life and Accidental Death & Dismemberment insurance is provided to the house staff at no cost through CIGNA Life Insurance, Policy Number FLX-960485. Proof of good health is not required. In the event of death of the employee, the plan pays $20,000 to the named beneficiary. All employees must have a current beneficiary designation card on file with the House Staff Office that is signed and dated. Coverage is effective on the first day of full-time employment with the University; there are no waiting periods to satisfy. Please consult your "Certificate of Coverage" for specific details of the program including Waiver of Premium and Conversion Privileges. If you have any questions, please contact the Graduate Medical Education Office at 317/274-8282.
MEDICAL MALPRACTICE LIABILITY INSURANCE
The School of Medicine provides, or arranges to provide through its affiliated hospitals, medical malpractice liability insurance coverage for house staff only while acting in the scope and course of approved training. Insurance coverage extends to claims made during and after the training period if based on acts or omissions which took place during the training period. Coverage limits for house staff are in accordance with the Indiana Medical Malpractice Act, as amended from time to time.
The School of Medicine provides medical malpractice liability insurance coverage for house staff outside an approved affiliate hospital ONLY WITH THE PRIOR WRITTEN APPROVAL OF THE PROGRAM DIRECTOR AND DIRECTOR OF GRADUATE MEDICAL EDUCATION. Rotations or electives outside the State of Indiana are also subject to prior written approval of the Program Director and Director of Graduate Medical Education. Coverage limits for out of state rotations may be difficult to obtain unless the institution in which the rotation occurs provides the insurance. This may limit the availability of such rotations.
The School of Medicine DOES NOT provide insurance coverage for house staff engaged in moonlighting activities.
For additional information or questions about insurance coverage, contact the Director of Graduate Medical Education at 274-8282.
UNIFORMS AND IU SCHOOL OF MEDICINE PHOTO IDs
The standard uniform is a white lab coat with IU School of Medicine embroidered on it. Lab coats are provided by each program. Ask your Chief Resident about specific departmental requirements regarding dress codes.
The IU School of Medicine Photo ID card (Jagtag) is required for all house staff. The cost of the ID card is $10, paid to Card Services. You may add funds to the card if you wish to use it as a debit card at the campus locations that accept it. You may use your Jagtag for a library card, campus photocopy card, physical education recreational sports card, vending machine card, food services card, and bookstore card.
Photo IDs are available at Campus Card Services, 420 University Blvd. Suite 217. You will need to bring a photo ID with you to obtain an IUSOM Photo ID card. For further information on the Jagtag, click here.
In order to gain admittance into Clarian IU and Riley Hospitals and any IUSOM building after 8pm and on holidays and weekends, you must have a security access card. Your department will assist you in obtaining this card.
All affiliated hospitals offer preferential parking stickers or cards to the house staff at no charge. For Clarian IU and Riley Hospitals, register at IUPUI Parking Services Office located in the Vermont Street Garage. IUPUI stickers expire on June 30 of each year and must be renewed prior to July 1. IUPUI parking allows for "A" surface parking. Residents on rotation at Clarian Methodist Hospital should park in Parking Garage #1, located on the Northeast corner of 16th and Senate. For your convenience, it is recommended that you obtain a Parking Card ($15 deposit). Your IUSM ID badge will still be able to be used if you do not obtain a parking card. Just show it to the parking attendant when leaving and you will not be charged for parking. If you park in any other garage on the Methodist campus, you will be expected to pay the customary parking charges. At Wishard, you will receive a parking decal from your Chief Resident at the beginning of each rotation. If you have any problems, go to the Security Office on the main floor of the West Outpatient building. You will need your IUSM photo ID and security access card in order for them to issue you a parking decal. At VAMC register at the Police and Security Office, C-2107. Take care of parking registration on the first day of rotation at each affiliated hospital.
Each affiliated hospital will provide suitable on-call quarters.
It is the policy of the School of Medicine that training for universal precautions is mandatory for all house staff prior to the commencement of training through on-line new resident/fellow orientation at https://daly.medicine.iu.edu. Compliance is also required with OSHA and CDC recommendations which assumes that every direct contact with a patient's blood and other body substances is infectious and requires the use of protective equipment. The affiliated hospitals agree to provide, and make readily available, personal protective equipment to include gloves, face protection (masks and goggles), and cover gowns. In the event of a contamination incident the house staff member should call pager number 312-OUCH (312-6824) and follow the instructions given. Other numbers that may be useful if questions or concerns arise regarding infection control, needle sticks or OSHA requirements are the following:
Clarian: 962-2157
Wishard: 630-7574
VAMC: 554-0000, Ext. 3387
IUPUI Health Services: 274-5887
Residents are provided meals when on call at each of the affiliated hospitals. The on-call meal card can be used for a complimentary meal while on call at the affiliated hospitals. The card, its value, and any remaining balance belong to the affiliated hospital, not the resident. The meal is complimentary and the card is a method for providing this convenience to the resident. The per-meal amount is $6, with a $25/day limit. The on-call meal card is not a gift card.
Fellows rarely are on call; therefore, meals are not provided to fellows. House staff are expected to pay for meals when not on call. Cafeterias are available at each hospital listed below. Similarly, all the hospitals have vending machines open 24 hours a day.
Clarian IU, Riley, and Methodist Hospitals: Electronic meal cards (gold cards) are issued through your department. The card works as a debit card to purchase food in the Clarian IU Hospital Cafeteria and Quick Serve, Clarian Riley Hospital Cafeteria and the Methodist Hospital Cafeteria. Points will be deposited into your account based on the number of on-call times you are scheduled for each month. Two tickets are issued for week night call to use for the evening meal and breakfast the next morning. For weekend and holiday call, three tickets are issued for lunch, dinner, and breakfast the following morning. The value of each meal ticket is $6. Any cost in excess of this amount must be paid by the individual. If you lose your card, please inform your department secretary in order for the card to be deactivated and a new one issued. There will be a $5.00 charge to replace the card. Each time you use the gold card, your receipt will tell you how many points still remain in your account. Each point represents one penny to the system. During the month, it will be possible to add or subtract meals to your account if rotation changes have occurred. Please contact the department secretary who will submit the appropriate form to Nutrition and Dietetics. Points will be zeroed out once a year on June 1.
Clarian IU Hospital:
Patio View Cafeteria
Breakfast 6:30 am-10:00 am
Continental Breakfast 10:00 am-11:00 am
Lunch 11:00 am-1:30 pm
Grill Service 1:30 pm-4:00 pm
Late Night Dinner 11:00 pm-1:30 am
Simon Bistro Hours 11:00am-7:00pm
Clarian Riley:
Hospital Cafeteria
Breakfast 6:00 am-10:00 am
Lunch 11:00 am-2:00 pm
Dinner 4:00 pm-7:00 pm
McDonald's open 24 hours
Clarian Methodist Hospital:
Beacon Cafeteria
6:00 am-3:00 pm and 10:00 pm-2:30 am
Au Bon Pain (located on Professional Ave.)
6:00 am-10:00 pm
Sonny's Pizza (located in BG 73)
10:45 am-7:30 pm, Monday-Friday
Hubbard and Cravens Coffee (located in the rotunda)
6:00 am-6:00 pm
Wishard Health Services provides an electronic meal card (Burgundy Card) and are issued through your department. The cards works as a debit card to purchase food in Wishard Cafeteria and Wishard Ala Carte located at Wishard Hospital. The card is not accepted at Wishard Subway located in the lower level of Wishard's Primary Care Building. The cards value is loaded with the number of meals the resident will be taking at Wishard during their rotation. This information is given to the Department of Food and Nutrition Services at Wishard by the unit secretary in charge of that department. The value of each meal is $5.50 inclusive of 9% food and beverage tax and the card is activated in Wishard systems. For example, if a resident is at Wishard for a six week rotation and will be taking ten meals at Wishard as determined by the program director, the total number of meals times 5.50 will be added to the card. The total value of the card would be $55.00. Each time a resident uses the card, the remaining balance is indicated on the receipt. Once a resident has completed the rotation at Wishard, the card is deactivated and cannot be used. Remaining balances are deleted. It is the expectation at Wishard that the meal card will be used for an appropriate meal and for the convenience of the resident and it is the resident's responsibility to ensure that enough value is left on the card to complete the rotation. If additional value is required, the resident must contact the unit secretary who will authorize additional value on the card to the Food and Nutrition Services Department or meals will be the responsibility of the resident.
Unused balances are not considered cash and are not to be redeemed for additional products from the cafeteria. Abuses of cards have and will be reported to the appropriate representative by the Food and Nutrition Services Staff at Wishard. Lost cards must be reported to the Administrative Assistant in the Food and Nutrition Services Department at 630-7605. Replacement cards are 3.00 each and payable to the Food and Nutrition Department.
Wishard Cafeteria Hours
Breakfast 6:00 AM - 10:00 AM - Monday through Sunday
Lunch 11:00 AM - 2:30 PM - Monday through Sunday
Dinner 4:00 PM - 7:00 PM - Monday through Sunday
Late Dinner 9:30 PM - 12:00 AM - Monday through Friday
Wishard Ala Carte 6:00 AM to 3:30 PM - Monday through Friday
Wishard Subway (does not accept resident meal card)
7:00am-10:00pm Monday-Friday
11:00am-7:30pm Saturday
11:00am-7:00pm Sunday
VAMC : House staff assigned as "Officer of the Day" (OD) are authorized to receive the evening meal, a snack with the evening meal, and breakfast (following morning) Monday through Friday. Three meals and a snack are provided Saturday, Sunday, and federal holidays (noon, evening, snack and breakfast the following morning). House staff must be scheduled on duty at VAMC and have a signed meal ticket to be eligible to receive these meals. If you are unable to pick up a tray in the evening, call 82814, give your name and service, and a tray will be held for you until 7 pm. If house staff are unable to get their meals at the times noted, a frozen dinner, bread, milk, and fruit (evening meal) and milk, fruit, and cereal (breakfast meal) will be provided in Room C-B060. House staff must sign their name, service, type of meal, and the date on the frozen meal sheet hanging on the refrigerator. This will permit Nutrition and Food Services to track food items to ensure that ample supplies of dinners are available. In addition, other food items, e.g., bagels and cream cheese, yogurt and fruit, will also be located in this room throughout the day.
On-call meals from Dietetics:
Breakfast 6:30-8:30am
Lunch 11:30am-1:30pm
Dinner 4:30-6:30pm
If a resident is unable to make it during the time frame noted, call ext. 82814 and arrangements will be made to hold a tray. Breakfast can be held until 9:30 and Dinner until 7:45. Cafeteria 7:30am-2:00pm Starbucks 7:30am-3:30pm
The Campus Center is located at 425 University Blvd. The food court offers the following restaurants:
Bamboo Asian
Caribou Coffee
Chick Fil-A
Coyote Jack's Grill
Mamma Leone's
Mondo Subs
Outtakes
Wild Greens
Summary of House Staff fee courtesy benefits:
House Staff Member - Covered tuition paid at 100% up to a dollar limit* per semester; based on 100% of three credit/audit hours and 50% for another three credit/audit hours, at the Indiana resident undergraduate, graduate, or professional rate.
Spouse/Domestic Partner Fee Courtesy - covered tuition paid at 100% up to a dollar limit* per semester; dollar limit based on 50% of three credit/audit hours at the Indiana resident undergraduate rate.
Dependent Child Fee Courtesy - 50% of Indiana resident undergraduate rate, up to a maximum of 140 credit hours towards the first baccalaureate degree.
*Dollar limits will vary based on tuition rates at each campus, and will increase from year to year based on tuition rates approved by the Board of Trustees. Covered tuition does not include special fees such as those for laboratories, applied music, student teaching, dissertation research fees, facility fees, etc.
Please refer to the Fee Courtesy Application for more detailed information regarding this benefit.
Applications for fee courtesy are available at the Office of Graduate Medical Education, Fesler Hall, Rm. 224 and on the "Frequently Requested Forms" page of this website. Applications must be submitted to the Office of Graduate Medical Eduation.
Membership to the Indiana Members Credit Union is available to the house staff. The Credit Union offers a number of services including savings, no-charge interest-bearing checking, a variety of loans, payroll deduction, and a mortgage loan designed especially for residents called the 3/3 ARM Program. The dividend rate on regular savings, money market and checking accounts is very competitive. A $50 deposit is required. The facility is located on the first floor of the Student Union Building, next to the bookstore. Phone Number: 636-8479. ATMs are located at all affiliated hospitals and many buildings on the IUPUI campus. Preferred Private Banking Programs are offered by Stockyards Bank & Trust and Regions Bank. They will provide banking services as well as assistance with student loan payments and other financial needs.
Swimming, indoor track and workout equipment are available to house staff at a reduced rate at the Natatorium (274-3518) and the National Institute for Fitness and Sport (NIFS)(274-3432). Residents/fellows are also allowed to use the fitness centers located at Clarian Methodist and Clarian IU Hospitals. The fee for using the centers is $15/month (you'll be billed quarterly for $45). The centers are open 24 hours/day, 7 days/week. The Methodist center is located in Building E, and the IU center is located in the basement of the out patient center. Call Bryland Sutton at 962-8104 to set up access to either site.
The VAMC exercise room is located in room C-B008 (Basement - C wing). Access is through a key pad. Residents go to VAMC Employee Health to sign a waiver and than will be given the key pad access code. Employee Health is located in room C-2106 (2nd floor - C wing).
