Anthem Blue Cross Blue Shield HSA Qualified Plans
Advantages of Anthem BCBS Lumenos HSA for Your HDHP
When you decide to use Anthem Blue Cross Blue Shield for your HDHP, you are choosing a leader in the industry. Anthem has one of the largest networks in Colorado, with
nearly 8,500 health care providers and
over 60 hospitals throughout the state. When you use a network doctor or hospital, you aren't requried to submit claim forms, saving you a lot of time doing paperwork. You can also get out-of-network benefits, which gives you a wider range of choices about your healthcare. Although you will have lower out of pocket with in-network provieders. Anthem Blue Cross Blue Shield of Colorado also gives you one of the widest HSA qualified plan selections in the state. Although a 20% coinsurance is also available on HSA qualified plans, the table below compares the popular and simple 0% HSA qualified plans to the Blue Preferred plans offering copays on both doctors visits and prescriptions. If you compare the Blue Preferred rates with the HSA qualified HDHP rates, you'll see why HSAs are becoming so popular. (Remember that HSA qualified plan deductibles are one cumulative deductible for families)
The Lumenos HSA qualified plans also have the best preventive coverage of any plan in the state. Even covering colonoscopies as first dollar coverage 100%.
| Blue Preferred PPO | HSA Qualified with 0% Coinsurance | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deductible | $500, $1000, and $2000 per person | $3000, $5000, $6000, $10000 for Families | ||||||||||
| $1500, $2500, $3000, $5000 for Individuals | ||||||||||||
In-Network
|
Out-of-Network |
In-Network
|
Out-of-Network |
|||||||||
| Coinsurance | 20% |
40% |
0% |
20% |
||||||||
| Provider/Facilities | PPO |
PPO |
||||||||||
| Lifetime Benefit Maximum | $2 Million per member |
$2 Million per member |
||||||||||
| Physician Visits | You pay $25 copay for office visit only. No deductible. |
You pay 40% coinsurance | You pay 0% coinsurance after deductible. |
You pay 20% coinsurance after deductible. | ||||||||
| Prescription Drug | Prescription card: You pay $15 copayment on Formulary Generic Drugs, $40 copayment on Formulary Brand-Name Drugs and $60 copayment on Non-Formulary Brand-Name Drugs. No deductible. |
You pay 0% coinsurance after deductible. | You pay 20% coinsurance after deductible. | |||||||||
| Outpatient Medical Care | You pay 20% coinsurance | You pay 40% coinsurance | You pay 0% coinsurance after deductible. | You pay 20% coinsurance after deductible. | ||||||||
| Preventive Care (In-network) | Adult services not covered except for one annual pap test with $25 copay for office visit and $75 for lab, mammogram screening benefit up to $75, and prostate screening benefit up to $65. |
Age guidelines apply. |
Age guidelines apply. |
|||||||||
| Well Child Services | You pay 20% coinsurance. Children services, not subject to deductible for age appropriate visits and immunizations. |
You pay 40% coinsurance. Children services, not subject to deductible for age appropriate visits and immunizations. |
See Preventive Care--Children's Services in the box above - more details here. | |||||||||
| Inpatient Hospital Care | You pay 20% coinsurance | You pay 40% coinsurance | You pay 0% coinsurance after deductible. | You pay 20% coinsurance after deductible. | ||||||||
| Emergency Care | You pay 20% coinsurance | You pay 40% coinsurance | You pay 0% coinsurance after deductible. | You pay 20% coinsurance after deductible. | ||||||||
| Vision | $25 office visit copay $25 materials copay |
preventive vision screening | ||||||||||
More detailed information about the Anthem Blue Cross Blue Shield HSA qualified plans can be seen by downloading a Colorado Plan Description Form. You can compare the rates of Anthem Blue Cross Blue Shield HSA qualified plans to other plans in Colorado using our instant quotes using the "limit plans by" area at the top to narrow down the plans to just Anthem Blue Cross Blue Shield HSA qualified plans only.
Anthem Blue Cross Dental PPO Plan
Anthem Blue Cross Blue Shield now has the most attractive dental insurance PPO plan in Colorado. The plan offers the freedom to choose any dentist, a wide range of dental services are covered, and coverage for preventive care and diagnostic services begins on your policy effective date. More detals about the Anthem Blue Cross dental plan here.
Colorado has always had a shortage of good dental insurance options. Now that Anthem Blue Cross Blue Shield has introduced this affordable Dental PPO plan, we've had a surge in applications from our Colorado clients for this product. You can read more about what is covered, get pricing information, and fill out an application for coverage by downloading an Anthem Blue Dental PPO Plan Brochure and Application.
Application Options
Applications can be done by downloading a Paper Application and faxing or mailing it to us at the fax number or address in the instructions. Or, Anthem has created a very user friendly Online Application that speeds up the underwriting process considerably.
**Any descriptions of coverage on this page may not be current and should not be taken as a description of coverage. Any persons seeking to get a full description of coverage should view Colorado plan description forms and/or brochures for the plan they are interested in purchasing. Contact Insurance Shoppers to ensure the information you're viewing is up-to-date.
