Anthem BlueCross BlueShield Colorado
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Anthem Blue Cross and Blue Shield - Plan Descriptions

Anthem Blue Cross and Blue Shield has one the largest networks in the state with over 6,500 health care providers and 80 hospitals. They offer health plans that can be customized for individuals, children, and families that include consumer-driven plans, Health Savings Accounts, and short-term medical plans. The different plans are described below

Premier Plan

Our Rating:

BluePreferred PPO provides the most extensive benefits of any individual health insurance plan offered by Anthem Blue Cross and Blue Shield of Colorado. It features a high level of benefits usually found only in employer-sponsored group health plans. BluePreferred PPO Plan highlights include:

Premier Plan Deductibles
  • $1,000 single / $2,000 family
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family
  • $6,000 single / $12,000 family

SmartSense Plan

Our Rating:

The new SmartSense plans offer solid coverage for essential health care services at some of our lowest monthly rates. You can choose from a wide range of deductibles and pricing options designed to be affordable. SmartSense offers immediate benefits with simple copays for the first three doctor visits (so you don't have to meet your plan's deductible first). Includes your choice of comprehensive or generic-only prescription drug coverage.

SmartSense Deductibles
  • $500 single / $1,000 family
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family
  • $7,500 single / $15,000 family

Other plan highlights include:

CoreShare Plan

Our Rating:

Anthem Blue Cross Blue Shield's CoreShare plans offers a simple plan design with some of our very lowest rates. CoreShare offers a vast range of deductibles (from $750 - $7,500) and higher cost-sharing helps lower your monthly premiums. CoreShare offers unlimited lifetime maximum benefits.

With CoreShare, many preventive screenings are covered before you meet your deductible and at no cost to you, as per the policy, in-network. Anthem's CoreShare health insurance plan includes prescription drug coverage and please see the brochure and health plan description below for more details.

CoreShare Deductibles
  • $750 single / $1,500 family
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family
  • $7,500 single / $15,000 family

Other CoreShare features include:

Clear Protection Plan

Our Rating:

Anthem's Clear Protection Plan provides no-nonsense basic medical insurance coverage that includes prescription drug coverage and $40 copays for 2 annual doctors office visits with no office deductible. You also have the choice of three different annual deductible options ranging from $1,000 to $5,000 and no limit on lifetime benefits.

With the Clear Protection Plan, many preventive screenings are covered before you meet your deductible and at no cost to you, as per the policy, in-network. Anthem's Clear Protection Plan health insurance plan includes prescription drug coverage and please see the brochure and health plan description for more details.

Clear Protection Deductibles
  • $1,000 single / $2,000 family
  • $3,300 single / $6,600 family
  • $5,000 single / $10,000 family

Clear Protecton Plan features include:

Lumenos HSA 100% Coinsurance Plans

Our Rating:

Lumenos HSA 100% Plans are a health savings account (HSA) compatible plans 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:

Lumenos HSA 100% Deductibles
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family

Lumenos HSA 70% Coinsurance Plan

Our Rating:

The Lumenos HSA 70% Plan is a health savings account (HSA) compatible plan that provides generous, comprehensive benefits after the deductible is satisfied. It features a lower deductible than the Lumenos HSA 100% Plan of $1500 single / $3000 family.

Lumenos HSA 70% highlights include:

Lumenos HSA 70% Deductibles
  • $1,500 single / $3,000 family

Lumenos HIA Plan

Our Rating:

The Lumenos Health Incentive Account (HIA) Plan is similar to the Lumenos HSA Plan, but include an incentive account to reward healthy behavior. This account (referred to as the HIA) allows you to earn credits through the Anthem rewards program that can be used on covered medical expenses and prescriptions. The Health Incentive Account (HIA) funds are used to offset your deductible expense and rollover into the next calendar year if unused (NOT "use it or lose it" funds). However, the HIA plans are not HSA-compatible, meaning you could not open an HSA account and receive any tax-advantages.

HIA 100% Plan Deductibles
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family

Some of the activities Anthem provides financial incentives for include:

HIA 70% Plan Deductibles
  • $1,500 single / $3,000 family

Other HIA Plan highlights include:

Lumenos Health Incentive Account (HIA) Plus Plan

Our Rating:

Like the Lumenos HIA Plan, the HIA Plus Plan gives you an account to pay for any covered medical expenses and prescriptions you choose and earn credits through the reward program. The only difference between the HIA and HIA Plus plan is the HIA Plus Plan includes an additional annual account allocation $500 per individual or $1,000 per family policy and any unused amount also rollsover each year.

HIA Plus Plan Deductibles
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family

Other HIA Plus Plan highlights include: