Plan Descriptions

The Premier Plan (along with the Lumenos Plans below) offer the most comprehensive coverage.  It is offered in deductibles from $500--$10,000.  You may choose a higher major medical deductible and still have your routine services (unlimited office visits, prescriptions- brand & generic, Labs, etc.) with only co-pays.  Premier is offered in two versions: Premier 80 and 100.  Maternity and dental are available as options.  Major medical benefits are paid at 80% or 100% after deductible is met.

 SmartSense Plan offers a lower-cost option.  The plan includes three doctor office visits with only a co-pay (3+ are subject to deductible); full Rx coverage (brand & generic) after a $250 deductible and co-pays.  It is offered in deductibles from $500-$10000.  Major medical benefits are paid at 70% after deductible is met.

Blue Access Value is Anthem's lowest cost plan lowest cost plan.  Most benefits are covered at 70% after the deductible. You have a choice of deductibles $2000-$10,000. Some first-dollar benefits are included:  two doctor office visits with co-pays are covered; Rx coverage is included ($200 deductible for brand names, $10 co-pay for generics)--Rx coverage is limited to $500 annual.   Major medical benefits are paid at 70% after deductible is met.

Lumenos HSA (Health Savings Account) or HIA (Health Incentive Account)

The Lumenos Health Savings Account---HSA plans offer lower health insurance premiums plus a tax benefit. The HSA has two components: (1) A qualified high deductible health insurance policy ($1500--10,000); and  (2) an individual savings account with tax advantages.  You set-up this account with your local bank and use any deposits to pay medical expenses up to your deductible.  These deposits or paid medical expenses are tax deductible (similar to an IRA). 

Health Incentive Accounts (HIAs) reward you for monitoring and improving your health while providing you with a quality health insurance plan.  These plans place dollars in an Incentive Account to be used for health-qualified expenses. 

 Both Lumenos HSA and HIA Plans include first dollar preventative benefits---no deductible or co-payments for physical exams, routine and other preventive services (PSA, colonoscopy, mammograms, immunizations, etc.)..

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.