Prescription Drug Coverage... The cost of prescription drugs can be staggering so CoreShare includes prescription drug coverage to help you manage those costs:

Drug Formulary: This is a special list of prescription drugs the CoreGuard plan covers. Anthem has negotiated lower prices on these formulary drugs, so you'll save when your doctor prescribes from the Plan Formulary posted at www.wellpointnextrx.com/Formulary1.

Tier 1:These drugs have the lowest copay and include low-cost or preferred medications. This tier includes lower cost generic and brand-name drugs.

Tier 2: These drugs have a higher copay than those in Tier 1 and include preferred medications that are generally moderate in cost. They include higher cost generic and brand-name drugs.

Specialty: These are typically high-cost, scientifically engineered drugs and are paid at a coinsurance level instead of copay.

How to Customize your CoreShare Plan...

With CoreShare, you have some choice and flexibility to change the plan to better meet your needs. CoreShare offers a choice of

Deductible: You can usually lower your premium by choosing a higher deductible. Simply choose the deductible and premium combination that works best.

Facility Copayment: If you choose a higher deductible, you can eliminate the facility copayment requirement from your CoreShare Plus plan. Otherwise, there is a copayment that will apply for inpatient hospital stays and outpatient surgeries.

Other Optional Coverage: Protect your smile and your wallet with optional dental and life insurance. See your Benefit Guide and the dental and life information in the back of this brochure and more details.

Network Coverage...

With Anthem's extensive network of providers, chances are that your doctor is already part of their network. And all network providers have lower rates for their members. You'll have access to these lower rates (discounts) before and after meeting your deductible. The plans from Anthem Blue Cross also offer out-of-network coverage but you'll pay less when you choose an in-network provider. To view the list of network providers Click Here.

Medicare Supplement Plans for Ohio

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 Ohio 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 simply email it to us as an attachment at "sales@individualhealth.com".

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