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CoreGuard Plus from Anthem Blue Cross
 Anthem Blue Cross brings to market a newplan that fits the way you live. Whether you're self-employed, need coverage for your family, just left group coverage, or your job doesn't provide it, Anthem Blue Cross offers dependable individual health care plans that save you time
and make sense for the way you live.
Why do you need health coverage?
These days, a single day in the hospital can cost thousands of dollars. The financial risk you take without health coverage just isn't worth it. Not only does health coverage help you stay healthy, it also gives you added security, because you know you're protected against the high cost of unexpected medical bills.
Why CoreGuard Plus makes sense...
If you're looking for a simple plan design with some fo Anthem's lowest rates, CoreGuard could be the plan that's right for you. CoreGuard offers a wide range of deductibles (from $750 - $10,000) and higher cost-sharing helps lower your monthly premiums. CoreGuard offers up to $4 million per member in lifetime benefits. |
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 CoreGuard Plus Preventive Care...
In addition to the preventive care benefits described in the brochure above, you also have the option of going to a HealthyCheckSM Center. These centers provide fast, easy and convenient annual preventive screenings (for ages 7 and older) at no cost to you. For more information about HealthCheck, go to anthem.com/healthycheck.
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 |
GEOBlue International Travel Medical & International Health Insurance
 Go with a name and brand you can trust. GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue International health plans are offered in cooperation with certain local Blue Cross and Blue Shield companies, with a network that includes more than 90 percent of physicians and 80 percent of hospitals across the U.S. GeoBlue’s comprehensive portfolio of international health insurance plans demonstrates the commitment to covering members both at home and abroad.
Global travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice—no matter what country, town or time zone. GeoBlue’s highly qualified doctors speak your language, treat you like a friend, and bill GeoBlue directly for their services. With instant access in the palm of your hand and twenty-four/seven concierge support, you’ll travel anywhere with the peace of mind that if your health is a concern, getting good care is not.
CLICK HERE FOR MORE INFORMATION |
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Prescription Drug Coverage...
The cost of prescription drugs can be staggering so CoreGuard 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. |
CoreGuard Plus Plan Highlights |
| This plan can be ideal for individuals who want affordable protection against significant medical expenses. |
Features:
- A simple plan design with some of their lowest monthly rates
- Higher percentage of member cost sharing in exchange for lower premiums
- Once the deductible is met, Anthem shares 50% of the costs at their negotiated rates up to $3,500, then they cover the rest
- Coverage for prescription drugs
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Things you should know:
1) This plan has its own Drug Formulary
2) Maternity benefits are not included with this plan |
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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 of California 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...
Optional Coverage
Dental Coverage...
Anthem Blue Dental PPO plan includes coverage for the basics, plus certain services like crowns, root canals and dentures. If you need a dental plan that offers important preventive services and a broad ranges of benefits, this might be a good choice for you.
CLICK HERE FOR MORE INFORMATION ON DENTAL
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:
Term Life Insurance Monthly rates
Monthly premiums are per person and subject to change |
AGE |
$15,000 |
$30,000 |
$50,000 |
$75,000 |
$100,000 |
1-18 |
$1.50 |
$3.00 |
N/A |
N/A |
N/A |
19-29 |
$2.80 |
$5.60 |
$9.30 |
$11.25 |
$13.00 |
30-39 |
$3.25 |
$6.50 |
$10.80 |
$13.50 |
$16.00 |
40-49 |
$7.50 |
$15.00 |
$25.00 |
$33.75 |
$42.00 |
50-59 |
$20.90 |
$41.80 |
$69.60 |
$97.50 |
$125.00 |
60-64 |
$29.40 |
$58.80 |
$98.00 |
$142.50 |
$185.00 |
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Plans For Seniors
Medicare Supplement Plans for Californian's
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. 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 INFORMATION |
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Anthem Extras Packages for Seniors
 Benefits that complement your 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 of California 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 for Seniors 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.Scan and email your completed application to "sales@individualhealth.com".
Or mail your application to:
Application Processing
Attn: Tim Jennings
P O Box 6374
Jackson, WY 83002-6374 |
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Don't Live in California? |
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Anthem California
