How ClearProtection Works

ClearProtection has two deductibles:

1) INPATIENT/SURGICAL SERVICES

This is the lower of two deductibles to help you access benefits faster for these higher-cost services.

2) OUTPATIENT/PROFESSIONAL & DIAGNOSTIC SERVICES

This deductible is equal to your out-of-pocket maximum. So even if you only use outpatient services, once you meet this deductible, you will have also met your out-of-pocket maximum.

These two deductibles work together to help you reach your total out-of-pocket maximum. Depending on your health care needs, you can satisfy your total out-of-pocket maximum in any of the following ways:

New From Anthem Blue Cross Blue Shield of Nevada

Add Balance To Your Health Plan

Anthem Blue Cross Blue Shield of Nevada now offers the Balance Plan for individuals and families. For just a few dollars a day, you can have help to pay for covered accident expenses. And with a covered critical illness, you can get cash in your hand to spend any way you need. When an accident or serious illness occurs, it takes more than a physical and emotional toll on you; it also impacts your finances. Critical illness and accident insurance can help you manage that financial burden so you can focus on your health. With Balance you have access to bundled insurance benefits, which include:

• Critical illness insurance
• Accident medical expense insurance
• Accident hospital confinement insurance
• Accident disability income insurance

You have health coverage for your medical bills. But other costs can pile up while you're focusing on getting well. That's where a critical illness and accident insurance plan can help. Payments go right to you. Use the money for whatever you need like:

• Mortgage payments
• Car payments
• Business costs
• Credit Cards
• Day Care.

Balance offers four plan options to choose from and with your Balance Membership you also get other valuable discounts and services. Apply for Anthem's Balance plan as a Stand Alone product or add it to your new or existing Anthem health plan.

The application process is done completely online. There is no medical underwriting so it is simple to apply for coverage. Check out the rates now...

Medicare Supplement Plans for Nevada

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. Fax your completed application to us at FAX# (415)651-8696. If you prefer

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