Anthem Blue Cross Blue Shield of Wisconsin
SmartSense^® Plus for Individuals...

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 Indiana 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.

What makes SmartSense Plus so smart?

If cost is your biggest concern, a SmartSense health plan could be a smart choice for you and your family. That's because Anthem designed SmartSense plans to balance sensible health coverage with losts of opportunities to save money, including:

• A wide range of plan pricing options
• A large network of doctors with lower negotiated fees for SmartSense members
• Affordable copays for your first three doctor visits each year
• A choice of prescription drug coverage

How SmartSense plans work

SmartSense Plus was designed to offer affordable, solid protection without a lot of bells and whistles that may not be important to you. SmartSense Plus offers affordable price options, solid protection that covers essentials and even some immediate benefits before the deductible.

• Immediate coverage with predictable copayments for the first three Doctors' Office Visits, per plan member, each calendar year
• Preventive care benefits that help you focus on staying healthy
• Deductible choices from $500 to $10,000
• Maternity benefits are not available with this plan
• After the first three Doctors' Office Visits, all other visits apply toward your deductible
• Generic and select brand name drugs are also available before the deductible, with a copayment or coinsurance

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 topay 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 Services...

Deductible Credit Program Available in Wisconsin

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.

International Medical Insurance, Visitor, Trip & Student Insurance

• Coverage from 5 days up to 187 Days
• Coverage from 5 Days up to 12 months - renewable for 3 years
• Inbound Immigrants
• US Citizens Traveling Abroad
• US Citizens Living Abroad
• Global Students

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