Blue Cross Blue Shield of Colorado

Blue Cross Blue Shield of Colorado is one of the most known and trusted names in the health insurance industry.

Anthem Blue Cross Blue Shield has one of the most competitive Health Savings Account plans in Colorado, the Lumenos HSA. 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.

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Coverage Synopsis

The Anthem Lumenos HSA plan is available in a 100%, 80/20 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.

 80/20 Plan

this option pays 80% of all covered expenses up to $25,000 for individuals and $50,000 for families, 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.

70/30 Plan

This option pays 70% of all covered expenses up to $16,667 for individuals and $33,333 for families, 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’s network providers, you can save money by receiving Anthem’s negotiated discounts on services and prescriptions.

You’ll have access to these exclusive Health Tools and Personalized Services:

  1. An online Health Assessment designed to help you measure your overall health.
  2. A Personal Health Coach Program, Smoking Cessation Program, and Weight Management Program.
  3. 24-Hour Nurse Advice Line when you need a quick answer to a routine health question or advice on a medical issue.
  4. An online health site with tools and information, including network provider listings, hospital quality ratings, prescription drug costs, wellness articles, and much more.

Plan Options

Choose the Best Individual Plan for You

Deductible Coinsurance* Annual Out-of-Pocket Maximum
$1, 500 100% / 70% $1, 500
$1, 500 70% / 50% $5, 000
$2, 500 100% / 70% $2, 500
$2, 500 80% / 60% $5, 000
$3, 000 100% / 70% $3, 000
$3, 000 80% / 60% $5, 000
$5, 000 100% / 70% $5, 000

Choose the Best Family Plan for You

Deductible Coinsurance* Annual Out-of-Pocket Maximum
$3, 000 100% / 70% $3, 000
$3, 000 70% / 50% $10, 000
$5, 000 100% / 70% $5, 000
$5, 000 80% / 60%

$10, 000

$6, 000 100% / 70% $6, 000
$6, 000 80% / 60% $10, 000
$10, 000 100% / 70% $10, 000

*amount plan pays in-network/out-of-network after deductible is met

Lumenos HSA Plan at a Glance

Combining a Health Savings Account (HSA) with Blue Cross Blue Shield of Colorado Lumenos HSA plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest.  This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine (see the qualified medical expenses).  If you do not use these funds, they simply accumulate with interest, for distribution upon your retirement.

Features Anthem Lumenos HSA
Lifetime Maximum Benefit $5 million
Doctor Office Visits 100%, 80%, or 70% after deductible
Wellness Benefit* 100% All approved preventive care covered **
Prescription Drugs 100%, 80%, or 70% after deductible
Hospital Services 100%, 80%, or 70% after deductible
Plan Deductible
This is the amount you pay each calendar year before benefits are paid.
Please run an instant quote for deductibles in your area
Chiropractic 100%, 80%, or 70% after deductible
Network Coinsurance
This is the percentage of covered medical expenses Anthem pays after the deductible is met.
100%, 80%, or 70% after deductible
Non-network Coinsurance
If you go out of network, this is the limit of covered medical expenses you pay after the deductible is met
70%, 60%, or 50% after deductible
All Other Services All Covered Services, including prescription drugs, are subject to deductible and coinsurance.

*Children Services are not subject to deductible for age appropriate visits and routine immunizations, and are subject to the coinsurance limits of your plan. Age specific mammogram screening and prostate screening are covered and are not subject to deductible or coinsurance. Maximum payment of $500 per year.

 **When you use providers in the network, nationally recommended preventive care services are paid for by Anthem, at zero cost to you.

Ready to sign up?

 

Learn more about Blue Cross Blue Shield of Colorado by getting an instant quote below or talk to your Personal Benefits Manager.

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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.