Lumenos Health Insurance Plus

The new Lumenos Health Insurance Plus plans from Anthem Blue Cross of California give you control over your healthcare by putting you in charge of your health care decisions. Get a free quote or apply online today.

UPDATE:  Effective 3/30/2012 The Lumenos HSA 5000 will no longer be available to new applicants. However, the Lumenos HSA 5950 Plus, 4500, and 3000 will still be available to new applicants.

Also, the Lumenos HSA 1500 30% No Maternity will also still be available.  Existing members will need to move to a new policy by June 30, 2012.

Now here is an Individual PPO Health Insurance Plan offered by Anthem Blue Cross that truly puts you in charge of your health care dollars. These plans are high deductible health plans that you can use inBlue Cross health insurance conjunction with a Health Savings Account. You are not required to open a Health Savings Account however by establishing a health savings account you are also saving for your future. Use the Health Savings Account to pay for qualified medical expenses like prescriptions and contact lenses and use the high deductible health plan for your catastrophic needs like hospitalization. The money you contribute (subject to annual maximum limitations as defined by the federal government) rolls over from year to year allowing you the ability to save. The money you contribute to your health savings account has some potential tax advantages. Check with your tax advisor to see how you can benefit from an HSA.

With a Lumenos HSA plan you can choose the $5,000 deductible plan that includes maternity coverage or the $1,500 deductible plan that doesn’t include maternity benefits. Your potential out of pocket expense that you could be responsible for if something catastrophic happened to you would be $5,500 on the Lumenos HSA 1,500 plan or $5,000 on the Lumenos HSA 5000 plan assuming all in-network providers are used. Most services are covered only after you have reached the plans annual deductible with the exception of Preventive Care Services. Well child care, immunizations, pap tests, mammograms, PSA tests are not subject to the annual deductible. These preventive care services are no charge.

With a Lumenos HSA Plus plan, you will have 3 plans to choose from. You’ll have the $3,000 annual deductible plan, the $4,500 annual deductible plan and the $5,950 annual deductible plan. Once you meet your annual deductible the out of pocket maximum is also satisfied. No maternity benefits offered here so if you want maternity coverage, choose the Lumenos HSA 5000 plan as an alternative.

2012 HSA Contribution Limits: $3,100 for individuals and $6,250 for a family. If your over 55 the limits are a bit higher: $4,050 for individuals and $7,150 for a family.

With any of the above plans you will still have access to the Anthem Blue Cross Prudent Buyer Network of over 80,000 PPO doctors and 315 hospitals in California. Check our ProviderFinder to see if your doctor is contracted before you apply.

If you are looking for a plan that allows you to have complete control of your health care dollars, the Lumenos and Lumenos Plus product lines are the best choice for you!

 

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