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Lumenos HSA Plus from Anthem Blue Cross Blue Shield of Colorado Is this the right plan for you...
  offered by Anthem Blue Cross Blue Shield of Colorado, Lumenos HSA Plus helps consumers play a bigger role in improving their own health. The Lumenos HSA Plus health plans were designed to give you more control over your health care costs. They help you focus on getting healthy and staying that way.
This plan offers traditional health care benefits that can be paired with a Health Savings Account (HSA) for more flexibility and potential tax advantages. Simple plan designs make using them that much easier.
Lumenos HSA Plus Features...
- Preventive Care benefits help focus on keeping you healthy
- PPO Health plan coverage with a large array of benefits after you pay your deductible
- Network services covered 100% after you meet your deductible
- Coverage compatible with an HSA that is yours to fund and keep if you choose. Use the HSA for qualified medical expenses or as a savings vehicle. Just contact your tax advisor for possible advantages.
- Special programs for smoking Cessation and Weight Management
- Access to Anthem's 24 hour Nurse Line
- Online tools for a personalized Health Assessment, prescription drug cost comparison, and other tools to give you more control
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 Setting up a Health Savings Account
The Lumenos HSA plan is a nice way tp save on premiums. But that's just the tip of the savings iceberg. to realize your plan's full financial power, consider opening a health savings account to go with your Lumenose plan. The portability and tax savings of an HSA account can add up fast.
Anthem Blue Cross Blue Shield of Colorado has joined with Affiliate Computer Services (ACS) and The Bank of New York Mellon (BNY Mellon) to integrate their HSA accounts with Anthem's Lumenos HSA plans. Setting up your account with BNY Mellon is easy. Plus, it comes with built-in advantages and conveniences.
- A single customer service contract for the health plan and your HSA
- A single online health site to access your plan benefit information and account details
- Several payment and deposit options, including special checks and automatic fund transfers
- Competitive interest rates and investment opportunities for the funds in your account
The choice is yours... if you would rather use another financial institution for your HSA account that is fine too. Many people who enroll in the Lumenos HSA Plus plan are looking for a simple, easy to understand major medical plan designed to give you the control over your health care costs you are looking for. The choice is yours. |
 You Should Know...
- Your Lumenos HSA Plus plan has a policy-level deductible and out-of-pocket maximum. Once any combination of covered members on the policy meet these amounts, then the plan pays 100% of covered expenses.
- While Lumenos HSA Plus is compatible with a Health Savings Account, your health care plan works with or without it. You may set up the HSA now, later, or not at all. It is your choice
Prescription Drug Coverage
Lumenos HSA Plus not only puts you in charge of your health care dollars, it can help you use those dollars for generic and brand name prescription drugs in the way that best suits you.
Once your deductible is met, there is a coinsurance, if applicable, for covered prescription drugs. But even whiule you are meeting your deductible, you benefit from lower negotiated rates on prescription drugs at network pharmacies nationwide. there's no need to have a different deductib;e or copayment for prescriptions; it all works as one. And since you decide how to spend it, your Health Savings Account dollars can be used to pay for prescription drugs while you are meeting your deductible.
Add term life insurance
Losing a loved one is hard enough without having to worry about financial obligations. Families are often unprepared for this sudden loss, and term life insurance can provide financial support and peace of mind at a difficult time. Adding term life insurance to your SmartSense PPO Plan is inexpensive and is easy to apply for. No additional forms are required to enroll. Just select the life option when you complete your online application |
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 Save Additional Money with Special Offers from Anthem
Saving money is good. Saving money on things that are good for you - that's even better. With Special Offers from Anthem you can access discounts on products and services that help promote better health and well-being. It;s just one of the perks of being a member. Finding out the discounts that are available to you once you are a member is easy. Go to anthem.com/ca and simply register for access to personalized service and resources. It's fast, easy and secure.
Click here for more about Special Offers from Anthem...
Preventive Care Benefits
Now all of the Individual Plans from Anthem Blue Cross Blue Shield of Virginia include 100% coverage for Preventive Services when you utilize a network provider. This follows the health care reform law and state regulations. When you get these services from providers in the network, you don't have to worry about paying anything out of your pocket for covered preventive care such as screenings, immunizations and exams. You may have to pay part of the costs if you use a provider outside the network.
 Preventive versus Diagnostic Care
Preventive care is precautionary. Diagnostic care us used to find the cause of existing symptoms. For example, if your doctor suggest you have a colonoscopy because of your age, that's preventitive care. But, if you doctor suggests a colonoscopy to see what's causing your symptoms. that's diagnostic care and you may need to pay part of the cost. Click on the brochure to see full coverage details for preventive care.
Click Here to view Preventive Care Brochure Services...
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| Anthem Blue Cross Blue Shield of Colorado Health Plan Links |
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Other Supplemental Plan Options |
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International Medical Insurance, Visitor, Trip & Student Insurance
- Coverage from 5 days up to 187 Days
- Coverage from 5 Days up to 12 months - renewable for 3 years
- Inbound Immigrants
- US Citizens Traveling Abroad
- US Citizens Living Abroad
- Global Students
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Assurant Health AccessSM - for access to health care and help paying for service. Health Access has no plan deductibles or copays. Benefits start right away and the plan pays set CASH amount when you receive services. A cost effective alternative to a major medical plan especially when major medical plans become too expensive.
- Immediate cash benefits
- No deductible
- Many ways to save
- Access Network Discounts
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For strong Temporary financial protection, choose Short Term Medical from Assurant Health
- 30 - 180 Days of coverage
- Inpatient and Outpatient coverage
- Four deductible options to choose from
- Choose your co-insurance percentages
- Lifetime Maximum of $2 million
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Anthem Blue Cross Blue Shield of Colorado offers a stand alone dental insurance for individuals, families and seniors.
- Includes cleanings, exams, X-rays at 100%
- No waiting period for checkups
- $1,250 Annual Maximum
- Freedom to go outside PPO network if desired
- Network with over 19,000 providers
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Assurant Health Dental insurance helps pay for dental checkups and treatment. Available as a stand alone plan for individuals and families.
- Cash benefits help pay for checkups and treatment
- No waiting period for checkups
- Visit any dentist - non network restrictions
- Three dental plans to choose from
- Pays benefits in first policy year even though waiting period has not been met
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HumanaOne offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health.
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 50% for all Basic Services inside network
- Enjoy pre-negotiated discounts at network providers
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SENIOR DENTAL Premium Plus offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health and live in the state of Colorado..
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 80% for all Basic Services inside network
- $1,250 Annual Benefit per member
- Enjoy pre-negotiated discounts at network providers
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Accidental injuries catch you off guard, not to mention the costs associated with an accidental injury. But the expense is less of a concern if you have Accident Coverage for Assurant Health.
- Benefits are paid immediately - no waiting period
- Over and above any benefits you receive from any other plan
- No overall annual or lifetime limit - no matter how many accidents you have
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HumanaOne offers Vision Care Insurance for individuals that can be added to any insurance plan. Affordable premiums, simple enrollment and no deductible coverage.
- Low exam co-payments
- Eyeglass lenses covered 100% after copay
- $40 wholesale allowance for frames
- One eye exam per year
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Anthem California
