Plan Descriptions

Blue Economy & Blue Value Plans

Economy Plan is a basic medical plan that includes a limited amount of office visits and a generic Rx card. Major medical coverage level is 70% after your deductible. This plan has coverage limitations (no wellness, mental health/ substance abuse, Rx generic limit, and reduced therapy.  Blue Value offers similar benefits to the Economy Plan with both generic and brand name drug coverage.

Blue Access Plan 2--Comprehensive Plan

Comprehensive Plan. Plan 2 includes unlimited office visits, Rx prescription drug card (brand and generic), mental health/ substance abuse, and wellness coverage. Major Medical coverage level is 80% after your deductible.  Consider the higher deductibles because you do not need to meet the plan deductible for doctor visits or Rx coverage; they are paid 100% after a small co-payment.

Blue Access Plan 3

Plan 3 is a high deductible plan ($2500, $5000, or $10,000) that includes all the coverage listed in Plan 2  plus 100% coverage level, subject to the deductible . An Rx prescription drug (brand and generic) card is included; drug coverage is not subject to the deductible. 

Lumenos HIA (Health Incentive Account) and HSA (Health Saving Account)

The Lumenos Health Savings Account (HSA plans lower your health insurance premiums and gain a tax benefit. The HSA has two components: (1) A qualified high deductible health insurance policy. (2) An individual savings account with tax advantages; the savings account can be used to pay for most medical expenses on a tax-free basis, or left to accumulate with interest tax-deferred. 

Health Incentive Accounts (HIAs) reward you for monitoring and improving your health while providing you with a quality health insurance plan.  Both Lumenos HSA and HIA Plans include first dollar preventative benefits.

Short Term Major Medical*

You can obtain almost immediate medical coverage with short-term insurance. The plan is designed for those persons between jobs or who need immediate coverage until their permanent plan is effective. The plan provides you hospital, surgical, medical, and accident coverage. Benefits are paid at an 80% coverage level after your deductible. Pre-existing conditions are not covered by short-term medical insurance.

*Note: All quotations for medical insurance presume that you and/ or dependents are in good health and are within standard height/ weight guidelines. If any applicant or dependent has pre-existing medical conditions, or require expensive medications, the rates could be higher, or coverage may be denied.