It's your health, and your money

With all of Blue Cross Lumenos plans, you can control a portion of the dollars you spend on your health. And if you don't spend then all this year, you can save them for future years

No one should get between you and your doctor

Health care is personal, and there's nothing more basic that the patient-physician relationship. So with the Lumenos plans, you choose your doctor and there are no referrals needed. Plus, you have access to thousands of providers and hospitals that participate in the BlueCard^® PPO nationwide network.

Your health plan should make it easy for you to do the right things for your health

Their award winning online health site has tools to help manage your health and your health care dollars. They offer personalized services like 24 hour Nurse Advice Line to answer to answer your basic health questions. And the Personal Health Coach Program, which provides one-on-one assistance for consumers managing a health condition. Specially trained nurses help you learn about treatment options, self-care and lifestyle changes that can help maximize your health.

Lumenos plans offer:

• 100 percent coverage for recommended preventive care (including annual physicals) when you see an in-network provider
• Traditional Health Coverage to help cover additional health care expenses
• Deductible is waived for preventive services

Lumenos HSA Compatible Plans

With the Blue Cross Lumenos HSA plan, you have the ability to save tax-free dollars in an account. You'll get:

• A Health Savings Account (HSA) that you fund with pre- or post-tax dollars. You can use the HSA to help pay for medical care and prescriptions, and other eligible medical expenses.

Lumenos HIA Plans

With the Blue Cross Lumenos HIA plan, you have the ability to use funds allocated to an account set up for you to help pay for your medical care and prescription drugs. You'll get:

• A Health Incentive Account (HIA) funded entorely by Health Rewards incentives that you can earn - helps pay the cost of your medical care and prescription drugs.

Lumenos HIA Plus Plans

The Blue Cross Lumenos HIA Plus plan allows you to use funds allocated to an account set up for you to pay for your medical care and prescriptions. You'll get:

• A Health Incentive Account (HIA) funded by the health plan - helps pay the cost of your medical care and prescription drugs.
• Plus you can earn additional dollars in your account with Healthy Rewards Incentives.
• Unused HIA funds roll over to the next year - there is no limit on the amount you can carry over.