Medicare Supplement Insurance
See RIPEA Insurance Trust's 2025 Medicare Supplement Plan Enrollment Guide
Retirees want to live their lives to the fullest. With special benefits designed for Retired Indiana Public Employees Association (RIPEA) members, Anthem Blue Cross and Blue Shield provides a health plan that helps retirees be their healthiest to enjoy the things they love.
When combined with Medicare, Anthem benefits for RIPEA members can help round out health coverage. Participating members are protected from many of the costs not covered by Medicare and receive benefits that go beyond Medicare coverage. These Anthem plans are available to all RIPEA members and their dependents over age 65 enrolled in Medicare Parts A and B.
One of the plans is a comprehensive plan that mirrors Medicare supplemental plan F. The other plan is a Medicare supplement plan G. These are excellent insurance plans that cover you anywhere you travel in the United States. They have been negotiated by an experienced insurance consultant retained by RIPEA.
Members who enroll in the Comprehensive Plan may also add the Value Plus Option which would enhance their coverage for certain routine expenses not covered by Medicare such as dental, vision, and hearing exams.
Download the 2025 Plan Brochure and Application (PDF) to learn about the benefits and application process.
For more information and/or a packet describing this plan, please contact us.
When can you enroll in Medicare Supplemental Insurance Plans?
- Within 90 days of your 65th birthday.
- Within 90 days after your retirement date.
- Annual open enrollment in December of each year.
Additional Perks with RIPEA Plans
DISCOUNTS
Anthem Insurance Plan insureds are eligible for Special Offers - discounts. These discounts include health care items, personal products and services (For example gym memberships) from major companies and over 20 other offerings. Click Here to read about the special discounts that are available now.
Anthem Insurance insureds who would like to read the most up-to-date list of discounts must register at: www.anthem.com to be able to access the information from the Anthem website. Once you are registered, login to the Anthem.com website and click on the “Discounts” tab.
24/7 NURSE LINE
Anthem Insurance plans for RIPEA make it easy to get care when and where you need it. They include a toll-free Nurse Line that is available 24 hours a day - 7 days a week to answer your health questions. Registered nurses help RIPEA members get answers about medical concerns and help them decide if they should go to the doctor’s office, emergency room, or urgent care. Click Here to learn more about the 24/7 nurse line.
ANTHEM MOBILE APP
Click Here to learn more about the Anthem Sydney mobile application.
See RIPEA Insurance Trust's 2025 Prescription Drug Plan Enrollment Guide
RIPEA offers two optional drug plans from Anthem that pair with RIPEA's Supplement Plans F & G. Contact RIPEA's Insurance Navigators to help you determine what your prescriptions would cost under these plans: 1-800-345-9214.
Prescription Drug Plans are now divided into 3 categories, listed below:
DEDUCTIBLE: Many prescription drug plans have a deductible, but not all. Deductibles will vary, but they cannot exceed $590 for 2025. The deductible is applied upfront and begins in January each calendar year. After the deductible is met, the actual prescription drug coverage begins.
Prescription drugs are assigned to tiers, according to the cost of the drug. The higher the drug cost, the higher the tier to which it is assigned, and therefore, the higher the copay.
REGULAR COVERAGE: During this phase, you pay the deductible (if any) and the copays stipulated by your Prescription Drug Plan. You will continue in this coverage category until the total retail cost for all of your prescriptions (not the drug copays) for the year equals the out of pocket maximum of $2,000.
CATASTROPIC COVERAGE: This phase is designed to offer some relief to those who have carried a heavy prescription drug cost burden over the course of the year. It begins when the total retail cost of your drugs reaches $2,000. (Remember: you did not actually pay the retail price; you paid a deductible, then copays to get to this point.) When you get to this point, you will no longer pay for your drugs, for the remainder of the calendar year.
INFLATION REDUCTION ACT was passed into law to provide changes to current prescription drug coverage:
- Beginning 04/01/23, enrollees started seeing lower out-of-pocket costs for certain Part B drugs and biologics.
- As of 07/01/23, enrollees will not pay more than $35 for Part B insulin and insulin pumps under the Durable Medical Equipment (DME) benefit.
- Beginning 01/01/25, the Coverage Gap (also called the “donut hole”) is eliminated as of 2025 plan year.
- Beginning 01/01/25, your out-of-pocket maximum for covered drugs will be $2,000. This has decreased from the 2024 amount of $8,000.
Download the 2025 Plan Brochure and Application
If you have additional questions, please call the RIPEA office (317-789-0244).