Lumenos HSA Plus Anthem Blue Cross Blue Shield of Nevada

offered by Anthem Blue Cross Blue Shield of Nevada, 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

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

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