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Premier from Anthem Blue Cross Blue Shield of Virginia
  Whether you're self-employed, an early retiree, a recent graduate or don't have health coverage at work, an individual health plan could be just what the doctor ordered. You never know, even if you are healthy right now, an unexpected illness or injury could be right around the corner. You work hard for your money and these days, a single day in the hospital can cost thousands of dollars. Without health coverage, you're taking a huge financial risk.
So why take chances? The health plans from Anthem Blue Cross Blue Shield of Virginia make it easier than ever to get the health coverage you need at a price you can afford. No matter where you are in life... there's an Individual plan that will fit your health care needs, as well as your budget.
Anthem Blue Cross Blue Shield Premier PPO...
If you have young children, or plan to have a family, Premier health plans were designed with your needs in mind. Packed with benefits, Premier focusees on the preventive care services your family needs to stay healthy and grow strong. And, a wide range of pricing options and coverage choices help you choose a plan that's affordable. Premier is a great choice for families or individuals looking for robust benefits for both routine and unexpected medical care. Premier provides a number of benefits before the deductible, and strong coverage for Prescription Drugs.
How Premier plans work
Because Premier plans are PPO (preferred provider organization) health plans, each plan:
- Has an annual deductible. This is the amount you have to pay out of pocket each year before your plan starts paying. (Deductibles don't apply to your network doctor visits)
- Doctor Office Visits. Pay a $30 Copay for primary care physician and $40 Copay for specilist
- Starts paying a portion of your covered medical expenses once your annual deductible is met. Your share costs for covered services is called your coinsurance.
- Saves you more money when you use a doctor in the PPO Network. For a list of network doctors, go to anthem.com, access your state's homepage and click on "Find a Doctor".
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Built-in prescription drug coverage
The high cost of today's prescription drugs can be financial drain on your family. Premier includes prescription drug coverage to help you manage those costs. Premier offers broad prescription drug coverage before the deductilbe, including benefits for generic, brand name and specialty drugs.
Genric drugs: You will receive the highest level of benefits by asking your physician to prescribe a generic drug whenever possiblw. You choose to purchase a brand name drug when a generic drug is available, you will be responsible for the difference in the cost between brand and generic, plus your copayment or coinsurance.
Network Discounts = Real Money...
With Anthem Blue Cross and Blue Shield you have access to one of the largest provider networks in the state of Ohio. These network (or participating) providers have agreed to accept lower costs for their covered services to Anthem members - similar to volume discounts. These negotiated costs help reduce the overall cost of covered medical services, including your share of those costs.
This is true whether you are paying the entire cost for covered services (such as while you are meeting your deductible), or whether Anthem is sharing the cost. With nearly 7,500 doctors and over 75 hospitals, chances are your provider already participates. Just visit a network provider to take advantage of the savings. With Anthem PPO plans, you can always choose to receive services outside the network, but your share of the cost will be greater. |
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 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. |
Optional Coverages
Maternity
If you're hoping to add to your family in the future, you may want to think about adding maternity coverage now. An optional maternity coverage is available with certain plans to help cover pregnancy and childbirth related medicare care for mother and infant. There are specific limitations and exclusions for this coverage, including a waiting period in most cases before conception can occur.
Dental Coverage
Dental coverage is important to your overall health and well-being. Regular check-ups can serve as an early warning for health-related issues. In fact, gum and toot disease have been linked to a number of major health conditions like heart disease, stroke, respitory disease and diabetes. You'll save more on the cost of your dental care when you visit a participating network dentist. Going out of the network means you'll be responsible for more of the cost.
CLICK HERE FOR MORE INFORMATION...
Blue Preferred Term Life Insurance
Loosing a loved one is painful enough without having to worry about finances. So why not give your family the extra support they'll need with term life insurance from Anthem Life. It is inexpensive and just pennies a day. It is easy to add - simply complete the term life section on your application. Help secure your family's future by considering the following coverage options:
- $25,000 coverage for yourself and $35,000 for your spouse, and $15,000 coverage for dependent child(ren)
- $50,000 coverage for yourself and $50,000 for your spouse, and $15,000 coverage for dependent child(ren)
Blue Preferred Individual Term Life Insurance
Monthly premiums are per person and subject to change |
AGE |
$25,000 |
$50,000 |
$15,000 |
1-18 |
$1.50 |
$2.50 |
N/A |
19-29 |
$2.80 |
$4.65 |
$9.30 |
30-39 |
$3.25 |
$5.40 |
$10.80 |
40-49 |
$7.50 |
$12.50 |
$25.00 |
50-59 |
$20.90 |
$34.80 |
$69.60 |
60-64 |
$29.40 |
$49.00 |
$98.00 |
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Anthem Extras Packages for Seniors
 Benefits that complement your Medicare Supplement Plan...
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 $18 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 Virginia 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 you can save the application as a pdf file and email it to us at "sales@individualhealth.com"
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| Anthem Blue Cross Blue Shield of Virginia Health Plan Links |
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Other Supplemental Plan Options |
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Assurant Health AccessSM - for access to health care and help paying for service. Health Access has no plan deductibles or copays. Benefits start right away and the plan pays set CASH amount when you receive services. A cost effective alternative to a major medical plan especially when major medical plans become too expensive.
- Immediate cash benefits
- No deductible
- Many ways to save
- Access Network Discounts
View details |
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For strong Temporary financial protection, choose Short Term Medical from Assurant Health
- 30 - 180 Days of coverage
- Inpatient and Outpatient coverage
- Four deductible options to choose from
- Choose your co-insurance percentages
- Lifetime Maximum of $2 million
View details |
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Anthem Blue Cross Blue Shield of Virginia offers a stand alone dental insurance for individuals, families and seniors.
- Includes cleanings, exams, X-rays at 100%
- No waiting period for checkups
- $1,000 Annual Maximum
- Freedom to go outside PPO network if desired
- Largest Network in the State
View details |
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Assurant Health Dental insurance helps pay for dental checkups and treatment. Available as a stand alone plan for individuals and families.
- Cash benefits help pay for checkups and treatment
- No waiting period for checkups
- Visit any dentist - non network restrictions
- Three dental plans to choose from
- Pays benefits in first policy year even though waiting period has not been met
View details |
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HumanaOne offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health.
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 50% for all Basic Services inside network
- Enjoy pre-negotiated discounts at network providers
View details |
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SENIOR DENTAL Premium Plus offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health and live in the state of Colorado..
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 80% for all Basic Services inside network
- $1,250 Annual Benefit per member
- Enjoy pre-negotiated discounts at network providers
View details |
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Accidental injuries catch you off guard, not to mention the costs associated with an accidental injury. But the expense is less of a concern if you have Accident Coverage for Assurant Health.
- Benefits are paid immediately - no waiting period
- Over and above any benefits you receive from any other plan
- No overall annual or lifetime limit - no matter how many accidents you have
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HumanaOne offers Vision Care Insurance for individuals that can be added to any insurance plan. Affordable premiums, simple enrollment and no deductible coverage.
- Low exam co-payments
- Eyeglass lenses covered 100% after copay
- $40 wholesale allowance for frames
- One eye exam per year
View details |
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Anthem California
