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.

If you are interested in Non-HSA Anthem Blue Cross Blue Shield plans in Colorado, please visit our sister company ColoHealth.

Supplemental Accident Coverage
The perfect complement to any HSA

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.

Use the Expand button to the right to view the Lumenos HSA plan details...

Coverage Synopsis

The Anthem Lumenos HSA plan is available in a 100%, 80/20 or 70/30 version.

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.

Plan Options:

Choose the Best Individual Plan for You Deductible Coinsurance amount plan pays in-network/out-of-network after deductible is met 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 amount plan pays in-network/out-of-network after deductible is met 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

 

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.

BCBS of CO 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.  Search the National BlueCard Directory to find the providers that are in the Blue Cross network anywhere in the country.

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 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 Administrators

Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator.  We recommend that you choose one from our HSA administrator page, where you can compare rates and features. 

About Blue Cross Blue Shield of Colorado

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.