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 while 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 deductible or copayment for prescriptions; it all works as one.
Adn since you decide how to spend it, your Health Savings Account dollars can be used to pay for prescription drugs - either you are meeting your deductible, or afterward for those drugs not covered, like most over-the-counter medications.
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 Indiana 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.
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 Indiana 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...
Deductible Credit Program Available in Indiana
The Deductible Credit Program is a program for Individual customers that automatically puts money into a Special Incentive Account (Account) when you don’t meet your annual deductible, and grows that account to use for future medical costs or whatever you want. If you are a healthy person who rarely meets your deductible or a person who likes having a high deductible in order to keep your premiums lower than this may be of interest to you.
First in order to qualify for one of these accounts you must be on a plan that has a deductible of at least $2,500 or higher or $3,000 or higher for the Lumenos HSA plan. Once you are eligible your account will be set up automatically. Each year where your medical claims are less than your deductible Anthem will credit your Account with an amount that is equal to 20% of your deductible ($3,000 Deductible x 20% = $600).
Once you accumulate credits in your Account, Anthem will automatically send you a special check from your Account the first year you have claims greater than 80% of your deductible. You can use the check payment to lower your out-of-pocket expenses or on whatever you deem necessary. Once this happens Anthem will reset your account back to zero the following year. Then your credits will start all over again.
This new program can help soften the expenses you may incur over your lifetime thus helping reduce the impact of having a high deductible plan. If you live in Indiana and you are not a current member with Anthem Blue Cross of Indiana and you would like to explore plan options and cost simply click on the orange button below for a current quote for all of their plans. Click on the brochure image to the right to view a complete description of this program.
Add Affordable Dental Blue PPO to your plan
Anthem now offers those who live in Kentucky two dental plans to choose from. Dental Blue and now Dental Prime. Both plans offer 100% Diagnostic and Preventive services as long as you stay within their provider networks with no waiting periods. Both plans offer solid benefits but in different packages. Check these dental plans out and see which one works best for your family. The Dental Blue Plans pay a set amount within the plan network and out-of-network. Dental Prime pays based on a percentage of the negotiated price both inside and outside the network.
CLICK HERE FOR MORE INFORMATION ON DENTAL