Anthem
Blue Cross Blue Shield has long been one of our most popular carriers.
Their Lumenos HSA plan is the most popular among our customers
because of the substantial tax savings an HSA plan offers.
The
Lumenos HSA plan is a 100% coverage plan that is designed
to be compatible with a Health Savings Account. This means that once
your deductible is met the plan will pay all covered expenses at no cost to
you. This includes doctors office visits, hospital services, chiropractic
care, as well as prescription drugs. Enrolling in the Lumenos
HSA plan also gives you access to these 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
This
plan qualifies as HSA-eligible. Combining a Health
Savings Account (HSA) with any 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.
Rate
Information:
Current
rates are available on our 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.
PPO Network:
Anthem
Blue Cross Blue Shield of Connecticut gives you access to one of the largest
networks in Connecticut, 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 "National
BlueCard Directory" plan. Policyholders can go to Blue Cross
doctors anywhere in the country, and can even access a world-wide network.
Underwriting:
Anthem
Blue Cross Blue Shield of Connecticut 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, most applications that are done online are approved by Anthem within
24 hours. If medical records must be ordered, the application process
will take longer.
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 avoid
unnecessary delays in getting you covered. If you are being treated
for high blood pressure, please include your latest test results including
blood pressure levels and cholesterol readings. 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 Blue Cross Blue Shield of Connecticut
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 Blue Cross Blue Shield of Connecticut 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 866-284-0082)
as promptly as possible.
Effective dates:
The coverage
can go into effect in as quickly as 24 hours, though you do risk being declined
if claims are submitted before the underwriting process is completed.
You may request an effective date any time the date after 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 Blue Cross Blue Shield of Connecticut that your coverage has
been approved and is in force.
How
to Apply:
The fastest
and easiest way to get your coverage in force is to Apply
Online, using the link below. Gather the following information
before you start the application in order to speed the process:
Gather
the following information before you start the application in order to speed
the process:
-
Your doctors’ names, addresses, and phone numbers
-
Medications you currently take or recently took, including dosage and frequency
- Dates
of hospitalization
-
The name of the plan for which you are applying
-
Your requested effective date
-
Your credit card information to cover the initial premium
About Anthem
Blue Cross Blue Shield of Connecticut:
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 and Blue Shield of Indiana.
As
the health care industry began rapidly consolidating 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. Now going
by the name Anthem Blue Cross and Blue Shield, they underwrite some of the
most popular plans we offer at HSA for America.
The
Anthem Blue Cross and Blue Shield companies are independent licensees of
the Blue Cross and Blue Shield Association and currently serves more than
12.6 million customers in nine different 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 Connecticut.
