California Lumenos HSA Insurance Plans
HSA-qualified plans are the most popular coverage offered by Anthem Blue Cross in California. These plans offer substantially lower premiums, along with the opportunity to put tax-deductible money in a special account which can be used to pay your deductible and other medical expenses. Get a Lumenos HSA health insurance quote from Anthem now.
Anthem Blue Cross Lumenos HSA plans offer you a way to pay less for insurance, reduce taxes, access high quality health benefits, and save for future medical expenses with a Health Savings Account (HSA). HSA plans work with higher deductible health plans that reduce monthly insurance costs. Instead of paying insurance companies for benefits that often times aren't used, you pay less each month and can make tax deductible contributions into an HSA that can be used for medical expenses or earn interest Tax-Free until you retire.
How Lumenos HSA Individual Insurance Works
With the Lumenos HSA plan you get exclusive health tools and personalized services designed to improve and maintain your health and enhanced control over your health care dollars.
The Anthem Blue Cross Lumenos HSA plan is available in a 100%, or 70/30 version.
100% Plan: this option pays 100% of all covered expenses up to the lifetime maximum after your deductible has been met.
70/30 Plan: this option pays 70% of all covered expenses up to the annual out of pocket maximum after the deductible has been met, then 100% up to the lifetime maximum. Your out of pocket maximum is $5,000 for individuals and $10,000 for families.
The deductible for each of these plans needs to be met only once for the entire family. Please run an instant quote for deductibles in your area. All nationally recommended preventive care services are 100% covered, as listed on the Lumenos Preventive Services list.
You choose your own doctor and you never need referrals, but when you use Anthem Blue Cross’s network providers, you can save money by receiving Anthem Blue Cross’snegotiated discounts on services and prescriptions.
Blue Cross of California Lumenos HSA 5000/5000/100 Plan Information
Plan Type: PPO
Plan Type: HSA
Physician Choice: You choose specialist(s)
Annual Out-of-Pocket Maximum (includes deductible): $5,000 single, $10,000 family
Annual Deductible: $5,000 single, $10,000 family
Office Visits: After deductible 0% of negotiated fee.
Professional Services: After deductible 0% of negotiated fee.
Hospital Inpatient/Outpatient: After deductible 0% of negotiated fee.
Emergency Services: After deductible 0% of negotiated fee.
Maternity: After deductible 0% of negotiated fee.
Preventive Care - General: 0% of negotiated fee, deductible waived.
Drug Benefits: After deductible, 0% of negotiated fee.
Financial/Tax Incentive: Yes
Optometrist Benefit: Optometrists network has been created for Anthem Blue Cross so Insured's will have a participating provider network to choose from for medical services.
Preservice Review: Preservice review will be required for all inpatient hospital stays and certain diagnostic and radiological procedures.
Specialty Pharmacy Drug Benefit: After deductible, 0% of negotiated fee.
Other great individual and family health insurance plans:
SmartSense Health Insurance Plans
ClearProtection HSA Insurance Plans
