Anthem Blue Cross Blue Shield Colorado - Lumenos Plans

Anthem Colorado - Lumenos Plans Overview

Our Rating:

Anthem Lumenos Plans are consumer-driven health plans that give you more control and information to help maintain and improve your health. The plans utilize Health Savings Accounts (HSAs) and Health Incentive Account (HIA) plans to help control your health care costs while still providing great, comprehensive coverage. These plans include:

• 100% coverage for recommended preventive care (including annual physicals) when you see an in-network provider (deductible waived)
• Immediate $500 coverage (deductible waived) for accident-related injuries
• Traditional Health Coverage to help cover additional health care expenses
• A single customer service organization for both the health insurance and the health account components of Lumenos plans

The Anthem Lumenos HSA Plans give you the opportunity to put tax-deductible money aside to pay medical expenses, while also saving money on your health insurance. The Lumenos HIA Plan is very similar to the HSA plan, but with specific incentives to encourage you to improve and maintain your health.

There are two HIA plans to choose from: The basic Health Incentive Account (HIA) Plan and the Health Incentive Account Plus (HIA Plus) Plan. With both plans you can earn money to apply towards eligible medical expenses by participating in the healthy rewards programs. This is money that can be applied towards your yearly deductible if desired. In addition, the HIA Plus plan will allocate $500 for indviduals and $1,000 for families in your account each year, to be used in the same capacity. Any money not used in either HIA will rollover to the next year and is available to apply towards eligible medical expenses.

Our Rating:

Lumenos HSA 100% Plans are a health savings account (HSA) plan that provides generous, comprehensive benefits after the deductible is satisfied. It features the highest level of benefits of any HSA plan offered by Anthem Blue Cross and Shield in Colorado.

Lumenos HSA 100% highlights include:

• Access to Blue Access PPO network
• 100% coverage for extensive preventive care services
• 100% coverage after satisfaction of deductible

Lumenos Plans at a Glance

HSA Compatible Plans Plan Name Preventive (% plan pays in network) Deductible (individual & Family) In-Network Coinsurance (% plan pays) In-Network OOP Max (individual & family HSA 1500 100 1500/3000 100 1500/3000 HSA 2500 100 2500/5000 100 2500/5000 HSA 5000 100 5000/10000 100 5000/10000

HIA Plans Plan Name Preventive (% plan pays in network) Deductible (individual & Family) In-Network Coinsurance (% plan pays) In-Network OOP Max (individual & family) HIA 1500 100 1500/3000 100 1500/3000 HIA 2500 100 2500/5000 100 2500/5000 HIA 5000 100 5000/10000 100 5000/10000

HIA Plus Plans Plan Name Preventive (% plan pays in network) Deductible (individual/ Family) In-Network Coinsurance (% plan pays) In-Network OOP Max (individual & family Health Plan Contribution (individual/family) HIA 2500 Plus 100 1500/3000 100 1500/3000 500/1000 HIA 5000 Plus 100 3000/6000 100 3000/6000 500/1000