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Blue
Cross Blue Shield of Louisiana
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Features
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Blue
Cross Blue Shield of Louisiana
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| Lifetime
Maximum Benefit |
- $5
million |
| Doctor
Office Visits |
- In
Network: 100% or 80/20%
- Out of Network: 80/20% or 60/40% |
| Wellness
Benefit
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- In
Network: 100% or 80/20%
- Out of Network: 80/20% or 60/40%
- Deductible is Waived |
Prescription
Drugs
The family prescription
drug deductible is
two times the individual prescription
drug deductible. |
- Generic:
In Network: 100% or 80%
- Brand Name: Out
of Network: 80/20% or 60/40%
- Deductible is Waived |
| Hospital
Services |
- In
Network: 100% or 80/20%
- Out of Network: 80/20% or 60/40% |
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
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Network
Coinsurance
This is the percentage of covered
medical
expenses Anthem pays after the
deductible is met. |
- 100% |
Non-network
Coinsurance
If you go out of network, this
is the limit of
covered medical expenses you pay
after the deductible is met. |
- 20%
or 40% |
Alcohol
and Drug Abuse Prescription Drugs
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- Generic:
In Network: 100% or 80%
- Brand Name: Out
of Network: 80/20% or 60/40% |
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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:
There
are two versions of the Blue Cross Blue Shield of Louisiana
health plans:
BCBS
HSA 100%
The
first option pays 100% of all covered expenses up
to $5 million per person after the deductible has
been met.
BCBS
HSA 80%
The
second option pays 80% of all covered expenses up
to $5 million per person after the deductible has
been met.
These
plans qualify as HSA-eligible. 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 :
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Choose
the Best Self-Only Plan for You
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Deductible
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Coinsurance
amount plan pays in-network/out-of-network
after deductible is met
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Annual
Out-of-pocket Maximum
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$1,200
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100%
/ 80%
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$3,400
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$1,900
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100%
/ 80%
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$4,100
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$2,800
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100%
/ 80%
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$5,000
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$3,300
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100%
/ 80%
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$5,500
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$5,500
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100%
/ 80%
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$5,500
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Choose
the Best Family Plan for You
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Deductible
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Coinsurance
amount plan pays in-network/out-of-network
after deductible is met
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Annual
Out-of-pocket Maximum
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$2,400
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100%
/ 80%
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$6,800
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$3,800
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100%
/ 80%
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$8,200
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$5,600
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100%
/ 80%
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$10,000
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$6,600
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100%
/ 80%
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$11,000
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$10,000
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100%
/ 80%
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$11,000
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Discount
Features:
As
an extra value, all covered members may receive instant
discounts from Blue Cross Blue Shield of Louisiana's
special Network of vision, hearing and dental providers.
They have negotiated with theses providers to give our
covered members significant savings on these services.
Since this is a discount-only program and not a policy
benefit, covered members enjoy immediate savings at
the point of service and do not have to file claims
or wait for reimbursement.
Rate
Information:
There
are standard rates and rates for tobacco users.
Please run an instant
quote to see available rates. Premiums can be
paid quarterly, semi-annual or annual billing, or by
a monthly bank draft or credit card. The bank draft
will occur on the premium due date each month. The initial
premium can be paid with a check or credit card.
PPO
Network:
Blue
Cross Blue Shield has one of the largest Networks in
Louisiana. 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 their PPO
Online Provider Directory. Policyholders
can go to Blue Cross doctors anywhere in the country,
and can even access a world-wide Network.
Underwriting:
Blue
Cross Blue Shield of Louisiana 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 are approved within
a weeks time. If medical records are needed, the
process could take longer.
Effective
dates:
You
may request an effective date any time as far out as
60 days after you sign your application.
You
will be billed starting on your requested effective
date, even if you have not yet been notified that you
have been approved. If you are already covered,
it is suggested you maintain your current coverage in-force
until you have received notice from either HSA
for America or directly from Blue
Cross Blue Shield of Louisiana that your policy has
been approved and is in-force.
HSA Administrator:
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 Louisiana:
Blue
Cross Blue Shield of Louisiana is one of
the most known and trusted names in the health insurance
industry today. They promote their HSA Program
as the "BlueSaver Package."
Blue
Cross Blue Shield of Louisiana 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
Blue Cross Blue Shield of Louisiana agent.
"I
have been very pleased with your service and your
company"
I
haven't had to shop too much for health insurance
in the past, because I have usually had coverage through
my ex husband or employer. But when I did, it was
a lengthy and arduous process causing me much anxiety
and costing a huge amount of money. (In common with
most people my age who have had any health issues
whatsoever).
But
with HSA
for America, I have been very pleased
with your service and your company. In particular,
I appreciated the prompt follow up (which is sometimes
very very rare), and I also appreciated the reassurance
that I would more than likely be accepted, since I
was undergoing a life and career change from active
employee to self directed employment. Thank you!
Cheryl
Brainard
Dayton, OH
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