 Use your Health Savings Account the way you want: Your HSA, if you choose to open one, is funded by you. So, it is yours to use for qualified health care expenses covered by the plan, or those not covered at all, like contact lenses. Your HSA is also your to keep if you ever leave the plan; you won't lose those dollars if they're not used. In fact, the carryover from year to year can help you save for future financial needs.
Other Optional Coverage: You can add more protection for you and your family by purchasing optional dental or life insurance.
Lumenos HSA Plan Highlights
The Lumenos HSA plan offers traditional health care benefits that can be paired with a Health Savings Account (HSA) for more flexibility and potential tax advantages. Simple plan designs make using them that much easier.
Features:
- Preventive care benefits help focus on keeping you healthy
- PPO health plan coverage with a large array of benefits after you pay your deductible
- Network services covered 100% after you meet your deductible
- Coverage compatible with an HSA that is your to fund and keep if you choose. Use the HSA for qualified medical expenses or as a savings vehicle. Just contact your tax advisor for possible advantages
- Special programs for Smoking Cessation and Weight Management
- Access to Anthem's 24-hour Nurse line
- Online tools for a peronalized Health Assessment, prescription drug cost comparison, and other tools to give you more control
You should know...
- While Lumenos HSA Plus has a policy-level deductible and out-of-pocket maximum. Once any combination of covered members on the policy meet these amounts, the plan pays 100% of covered expenses.
- While Lumenos HSA Plus is compatible with a Health Savings Account (HSA), your health care plan works with or without it. You may set up the HSA now, later, or not at all. It;s your choice.
- Maternity is not part of this plan.
Prescription Drug Coverage...
Lumenos HSA not only puts you in charge of your health care dollars, it can help you use those dollars for generic and brand name prescription drugs in the way that best suits you. And, since you decide how to spend it, your Health Savings Account dollars can be used to pay for prescription drugs while you are meeting your deductible.
Once your deductible is met, covered prescription drugs are covered at 100%. And even while you are meeting your deductible, you benefit from lower negotiated rates on prescription drugs at network pharmacies nationwide. There's no need to have a different deductible or copayment for prescriptions.
Use your Health Savings Account the way you want: Your HSA, if you choose to open one, is funded by you. So, it is yours to use for qualified health care expenses covered by the plan, or those not covered at all, like contact lenses. Your HSA is also your to keep if you ever leave the plan; you won't lose those dollars if they're not used. In fact, the carryover from year to year can help you save for future financial needs.
 Add Affordable Dental Blue PPO to you HMO Plan
Anthem Blue Cross offers two affordable ppo dental plan options. Dental Blue Basic and Dental Blue Enhanced. As a Dental Blue member, you can see any dentist you want; however, you do have the potential for lower costs when you choose a dentist in the Dental Blue 100 Network. You have the freedom to elect services from a provider outside the provider network but your savings are substantially higher when use one of more than 19,000 California Providers. You can even apply for Dental Blue as a stand alone dental plan regardless of what insurance plan you now have. Click here from more information...
Save Additional Money with Secial 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.
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... |
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