Lumenos Plus Anthem Blue Cross Blue Shield of Indiana

When it comes to health care, you often have little control or choice. Anthem's Lumenos HSA Plus plans are changing that. Anthem Blue Cross Blue Shield puts you in charge of your health, health care decisions and dollars - helping you to live a healthier life. No wonder more people are choosing Lumenos HSA plans to meet their health care needs.

Anthem Blue Cross and Blue Shield of Indiana's Lumenos plans are for people who want to take more control of their health care and expenses. Does that sound like you? Anthem Blue Cross and Blue Shield believes that health plans hould do more than pay for care when you're sick. Good health is something to work on all the time. Whether you have a long-term condition, a temporary illness, or even if you're currently in good health, there are things you could be doing to maintain or improve your health. Do you want a health plant that helps you do those things?

Anthem Blue Cross and Blue Shield of Indiana has developed a portfiolio of health plans whose goal is to give you accounts, information, services and rewards to help maintain and improve your health. These consumer-driven plans - which they call Lumenos - offer the kinds of things that help you reach your health potential and give you more control over your health care dollars, plus a whole lot more.

How to Customize your Lumenos HSA Plus Plan

Chose your deductible: You can usually lower your premium by choosing a higher deductlbe. Simply choose the deductible and premium combination that works best for you. Remember, any covered member can contribute to some or all of the policy deductible and out-of-pocket maximum, whether the policy covers one member or a whole houseful

Use you Health Savings Account the way you want: Your HSA, if you choose to open one, if funded by you. So, it is yours to use for qualified health care expenses covered by the plan, or those not covered at all, like contact lenses. Your HSA is also yours to keep if you ever leave the plan; you won't lose those dollars if they're not used. If fact' the carryover from year to year can help you save for future financial needs.

Is this the right plan for you?

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. The Health Savings Account (HSA) is a special bank account that can be set up ba a member enrolled in a qualified HSA-compatibile high-deductible health plan. Contributions to this account can be made with certain tax advantages, and funds from the account can be used for qualified health care expenses.

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

Medicare Supplement Plans for Indiana

A Medicare Supplement Plan is a health benefit coverage plan that complements (or supplements) your regular Medicare coverage. Although Medicare pays for many health care services and supplies, it doesn't pay for all of them. A Medicare Supplement Plan will help pay for those costs which could include deductibles, coinsurance and copayments when visiting your doctor. An Anthem Medicare Supplement Plan is also a good idea if you prefer to keep your own doctor and hospital and choose your own specialist and other health care provider.

Who is eligible?

You are eligible for a Medicare Supplement Plan if you are enrolled in Medicare Parts A and B and if your are age 65 or older or, in some states, under 65 with a disability and/or end stage renal disease (plan offerings and eligibility vary by state). You also must be a resident of the state where the policy is offered. CLICK HERE FOR MORE...

Anthem Extras Packages for Seniors

Benefits that complement youf Medicare Supplement Plan...

CLICK HERE FOR INFORMATION ON MEDICARE SUPPLEMENTS

Healthy teeth and eyes help contribute to your overall well-being. That's why Anthem Blue Cross and Blue Shield (Anthem) created Anthem Extras Packages - with your overall health in mind. Anthem offers three packages to complement your Medicare Supplement plan - and help you reach for better health. Anthem's Standard, Premium and Premium Plus packages offer valuable benefits and services, such as:

• Packaged dental and vision coverage that offers extra preventive benefits
• Support services and tools to help you maintain good overall health and well-being

And best of all, these packages are available for a monthly plan premium ranging from $20 to $52. The benefits in each package will roll up to one overall premium, and you will receive one ID card for all of these services.

Interested in Dental Only Coverage?

Anthem Blue Cross Blue Shield of Kentucky offers a stand alone Dental Only option for seniors. The Anthem Extras Package contains the option for the Premium Plus package which part of this package is their PPO Dental Plan. As long as you have Medicare A & B you can choose to enroll in the Anthem Premium Plus Dental Plan on a Stand-Alone basis. The Premium Plus dental plan is part of the Premium Plus Package of the Anthem Extras program. To see if your dentist participates in the Anthem Dental Network click here. When prompted, choose the Dental Blue 200 network. To view the brochure. Look for the benefit schedule for the "Premium Plus Dental".

Premium Plus lets you choose any dentist whether or not that dentist is part of their network. But you may end up paying more for a service if you visit an out-of-network dentist. It is important to have dental benefits that can help impact your overall health. Anthem's Premium Plus Dental plan offer benefits such as:

• Coverage for diagnostic and preventive care - which can be key to good long-term oral health
• Third cleaning or periodontal maintenance procedures are covered for diabetic members on all of the Anthem Extras Packages plan
• Access to one of the largest dental provider networks in your state
• Freedom from paper work - network dentists file claims, and there are no referrals needed
• $1,250 per member per benefit year
• Dental Blue 200 Network
• 100% Diagnostic and Preventive Services when using a network provider

How to Enroll in the Premium Plus Dental Only..

Simply download the enrollment form from the orange button below and complete the application selecting the "Premium Plus Dental" option and be sure to select an effective date for coverage to begin. Scan and email your completed application to "sales@individualhealth.com".

Or mail your application to:

Application Processing
Attn: Tim Jennings
P O Box 6374
Jackson, WY 83002-6374

Health Insurance Premiums Too High?

If the high cost of maintaining a major medical plan has become unsustainable for your family there are alternatives. The final stages of the implementation of the Affordable Health Care Act are about to become reality by years end. The cost of the new plans are projected by some to be much higher than current premiums available. As much as 100% or more! For some this alone makes the choice for families to let their insurance go simply because they can no longer afford it. One alternative plan is Health Access from Assurant Health. Although plans like Health Access are not Affordable Health Care Act compliant they do offer a substantial amount of coverage at a much lower premium that for some may be the only acceptable alternative. Even with future tax penities levied by the IRS, Health Access is clearly a better alternative to going with any coverage at all.

CLICK HERE FOR MORE INFORMATION ABOUT HEALTH ACCESS