Anthem Lumenos Plans – Save You Money on Medical Insurance

Anthem Lumenos Plans have long been a great seller in California, Colorado, Indiana, Nevada, and Ohio. This plan is an HSA, Health Savings Account, which does allow for tax advantages for those who fund the HSA account. Please understand that the Lumenos plan is a traditional medical insurance plan that offers a tax-advantaged way to pay for health care costs accrued before the deductible is met. However, these plans are so attractive in because Blue Cross Blue Shield offers these plans at a very low premium compared to the Anthem Copay Plans such as SmartSense.

Plan Benefits for Anthem Blue Cross Blue Shield Lumenos HSA Plus Plan with 0% Coinsurance

Plan Type:   HSA – Health Savings Account.

Physician Choice:   Yes, PPO Coverage.

Annual Out-of-Pocket Maximum:   $5,000.

Annual Deductible:   $5,000. (other options available when you review your Anthem Quotes)

Office Visits:   You pay 0% after calendar-year deductible.

Coinsurance In-Network:   You pay 0% after calendar-year deductible.

Hospital Inpatient/Outpatient:   You pay 0% after calendar-year deductible.

Emergency Services:   You pay 0% after calendar-year deductible.

Urgent Care (in Urgent Care Center):   You pay 0% after calendar-year deductible.

Preventive Care:   You pay $0, Preventive is NOT subject to calendar year deductible.

Mental Health:   You pay 0% after calendar-year deductible.

Drug Benefits:   You pay 0% after calendar-year deductible.

Financial and Tax Incentive:   Yes. Plan is HSA Eligible.

Extended Mental Health:   Not Available with this plan option.

Diagnostic Services:   You pay 0% after calendar-year deductible (Preventive Services Not Subject to Deductible).

Ambulance Services:   You pay 0% after calendar-year deductible.

Maternity Coverage:   Not covered unless option rider is purchased.

Prescription Drug Copay:   No Drug copay, but You pay 0% after calendar-year deductible.

Monthly Premium for Anthem Lumenos HSA Plans:   Check Blue Cross Blue Shield Insurance Rates.

Please note that premiums quoted are always subject to change based on medical history, actual plan effective date, age of applicant, geographic location and scheduled rate adjustments. Remember you are always protected by the State Department of Insurance. They approve any rate increases in the state in which you reside.

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