Anthem Blue Cross LUMENOS
Consumer-Driven Health Plans
(877)566-5454 Toll FreeAnthem Blue Cross Lumenos consumer-driven health plans help consumers play a bigger role in improving their own health. Our plans empower consumers to be more informed about their health and their health care options, and help them save money for future health expenses.
Our innovative plans offer: 100% coverage for recommended preventive care
(on some plans)
health and health care dollars--Prescription drug cost information --Hospital quality ratings --Health assessment --Surgical decision support tools
| 6 HSA plans are available with different deductibles | Annual Deductible - Amount you pay before traditional health coverage begins | Plan Coinsurance - Percent plan pays for covered services | Preventive Care Coverage - Percent plan pays for covered services | Annual out-of-pocket limit - Plan pays 100% of covered expenses after you reach this limit |
| In-Network and Out-of-Network Services Combined individual/family |
In-Network Services | Out-of-Network Services | In-Network Services | In-Network Services | In-Network Services individual/family |
In-Network Services individual/family |
| 70% Coinsurance Plans (without maternity coverage) |
$1,500/$3,000 | 70% | 50% | 100% (deductible waived) | 50% | $3,500/ $7,000 |
$8,500/ $17,000 |
| $3,000/$6,000 | 70% | 50% | 100% (deductible waived) | 50% | $2,000/ $4,000 |
$7,000/ $14,000 |
| 100% Coinsurance Plans (without maternity coverage) |
$5,000/$10,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $5,000/ $10,000 |
| 100% Coinsurance Plans (WITH maternity coverage) |
$1,500/$3,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $1,500/ $3,000 |
| $3,000/$6,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $3,000/ $6,000 |
| $5,000/$10,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $5,000/ $10,000 |
| 6 HIA plans are available with different deductibles | Annual Deductible - Amount you pay before traditional health coverage begins | Plan Coinsurance - Percent plan pays for covered services | Preventive Care Coverage - Percent plan pays for covered services | Annual out-of-pocket limit - Plan pays 100% of covered expenses after you reach this limit |
| In-Network and Out-of-Network Services Combined individual/family |
In-Network Services | Out-of-Network Services | In-Network Services | In-Network Services | In-Network Services individual/family |
In-Network Services individual/family |
| 70% Coinsurance Plans (without maternity coverage) |
$1,500/$3,000 | 70% | 50% | 100% (deductible waived) | 50% | $3,500/ $7,000 |
$8,500/ $17,000 |
| $3,000/$6,000 | 70% | 50% | 100% (deductible waived) | 50% | $2,000/ $4,000 |
$7,000/ $14,000 |
| 100% Coinsurance Plans (without maternity coverage) |
$5,000/$10,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $5,000/ $10,000 |
| 100% Coinsurance Plans (WITH maternity coverage) |
$1,500/$3,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $1,500/ $3,000 |
| $3,000/$6,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $3,000/ $6,000 |
| $5,000/$10,000 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $5,000/ $10,000 |
| 5 HIA Plus plans are available with different deductibles | Annual Deductible - Amount you pay before traditional health coverage begins | HIA Plus Quarterly Health Account Allocation | Plan Coinsurance - Percent plan pays for covered services | Preventive Care Coverage - Percent plan pays for covered services | Annual out-of-pocket limit - Plan pays 100% of covered expenses after you reach this limit |
| In-Network and Out-of-Network Services Combined individual/family |
In-Network and Out-of-Network Services Combined individual/family |
In-Network Services | Out-of- Network Services | In-Network Services | Out-of- Network Services | In-Network Services individual/ family |
In-Network Services individual/ family |
| 70% Coinsurance Plans (without maternity coverage) |
$1,500/$3,000 | $125/$250 | 70% | 60% | 100% (deductible waived) | 60% | $3,500/ $7,000 |
$8,500/ $17,000 |
| $3,000/$6,000 | $125/$250 | 70% | 60% | 100% (deductible waived) | 60% | $2,000/ $4,000 |
$7,000/ $14,000 |
| 100% Coinsurance Plans (without maternity coverage) |
$5,000/$10,000 | $125/$250 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $5,000/ $10,000 |
| 100% Coinsurance Plans (WITH maternity coverage) |
$3,000/$6,000 | $125/$250 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $3,000/ $6,000 |
| $5,000/$10,000 | $125/$250 | 100% | 70% | 100% (deductible waived) | 70% | $0/$0 | $5,000/ $10,000 |
|
HSA 1500 |
|
HIA 1500 |
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