Blue Cross Blue Shield of Colorado HSA

Plans at a Glance:                         View the Outline of Coverage brochure

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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.

This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education.  The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected.  These plans contain exclusions from and limitations of coverage.  Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements.  Plans are subject to health underwriting.  To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

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:

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

Combining a Health Savings Account (HSA) with any Anthem 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.

Plan Options :

Rate Information:

Rates are available on the instant quote page.  The premium can be paid monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft.  The bank draft will occur on either the first or the sixteenth of each month. The initial premium can be paid with a check, credit card, or bank draft.

All individual Lumenos plans have a one year rate guarantee, based on the anniversary date of the policy.  Anniversary month will be assigned for the first of the month if effective date is the first, or the following first of the month for requested effective dates after the first.

PPO Network:

Anthem gives you access to one of the largest networks in Colorado, with nearly 8,500 health care providers and over 60 hospitals throughout the state.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  The large list of doctors and hospitals can be viewed at the Anthem PPO Online Provider Directory.  Make sure to choose the "BluePreferred PPO" plan.  Policyholders can go to Blue Cross doctors anywhere in the country, and can even access a world-wide network.

Underwriting:

Anthem has one of the easiest, most efficient underwriting teams in the industry.  The process is very fast if no medical records are needed.  While it is always a good idea to apply at least three weeks prior to the time you need your new coverage to take effect, some applications that are done online are approved by Anthem within 24 hours.  If medical records are needed, you may have to reapply, and include medical records.

The company does have the right to accept or decline any individual or family application.  If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can make sure there are no delays in getting you covered.  If you have certain conditions or take certain medications, Anthem may offer coverage at a higher rate.

For an infant less than 6 months of age, Anthem requires nursery records from the hospital where the infant was born, office records from the infant’s pediatrician, and results of the newborn screening laboratory tests (available from the hospital or pediatrician).

Anyone applying for Anthem coverage that has any of the following pre-existing conditions also needs to complete the appropriate form and return it to our office via fax toll free at 1-866-284-0082 as promptly as possible.

• Asthma
  
• Heart
  
• Mental
  
• Seizure or Epilepsy
  
• Spine
  

Effective dates:

The coverage can go into effect in as quickly as 24 hours, though the applicant risks being declined if claims are submitted before the underwriting process is completed.  You may request an effective date any time after the date you sign the application and 60 days later.  Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA-for-America.com or directly from Anthem that your policy has been approved and is in force.

Your earliest possible effective date will be the day after Anthem has received all the necessary documents and information needed to process your application.

HSA Administrator

You may set up your health savings account with any qualified HSA trustee or administrator, regardless from which insurance company your purchase your HSA-qualified health insurance.  Anthem Blue Cross and Blue Shield has chosen JPMorgan Chase to be their administrator of choice.  If you would like to set up your health savings account with JPMorgan Chase, you may submit your HSA application together with your health plan application.  The Anthem-sponsored JPMorgan Chase HSA as the following fees:

• Account set-up fee:  $20.00 one time
• HSA administration fee:  $3.00 per month
• ATM usage fee:  $1.00 per transaction
• Check book issuance (if requested):  $9.95 per check book
• Convenience check fee:  $0.25 per check processed
• Duplicate check fee:  $10.00 per duplicate check
• Account closing fee:  $20.00

If you would like to see a list of independent HSA administrators that we recommend, please visit our HSA Administrator page.

About Anthem:

The company known today as Anthem is the outgrowth of two Indianapolis-based corporations formed in 1944 and 1946 as mutual insurance companies.  Those two companies were created to provide health insurance to residents of Indiana as Blue Cross of Indiana.  In the mid-1980s, Blue Cross and Blue Shield of Indiana began to diversify and expand, primarily through Blue Cross and Blue Shield mergers and acquisitions.  The Anthem Blue Cross and Blue Shield companies are independent licensees of the Blue Cross and Blue Shield Association and currently serve more than 12.6 million customers in nine different states.

Anthem is listed on the New York Stock Exchange under the trading symbol ATH, and is the fifth largest publicly traded health benefits company in the United States.

Anthem Blue Cross Blue Shield has been assigned a rating of "A" (Excellent) from the A.M. Best Company, an independent insurance rating organization.

HSA for America is an independent authorized Anthem Blue Cross Blue Shield of Colorado agent.

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Fort Collins, CO

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