Built-in prescription drug coverage
SmartSense Plus includes coverage for generic and select brand name drugs. For an additional cost, you can upgrade the SmartSense Plus prescription benefit to expand the coverage for brand name drugs upgrade.
Genric drugs: Coverage is immediate with no deductible t worry about. You'll always save the most when you choose generic drugs.
Brand-name and specialty drugs: A separate deductible is required before coverage begins. If you choose a brand-name drug when generic is available, SmartSense will pay the allowed amount for the generic drug and you'll have to pay the difference.
Good to know: There is some flexibility in the price of your SmartSense plan depending on how much you're willing to pay out-of-pocket each year for your deductible and/or brand-name and specialty drugs.
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...
 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. |
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.
Anthem California
