BCBS of Louisiana HSA Plans

Blue Cross Blue Shield is one of the most known and trusted names in the health insurance industry and they have one of the most competitive Health Savings Account Plans in the State of Louisiana.

Blue Cross Blue Shield of Louisiana

The Blue Cross Blue Shield PPO Plans are designed to provide you with economic incentives for using designated health care providers within their PPO Network.  They provide coverage for major hospital, medical and surgical expenses incurred as a result of a covered accident or sickness.  Coverage is provided for hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services and out-of-hospital care (and much more) subject to any deductibles or other limitations which may be set forth in the policy.

Supplemental Accident Coverage
The perfect complement to any HSA

BCBS of LA HSA Plans at a Glance

These plans qualifies as HSA-eligible.  Combining a Health Savings Account (HSA) with this Blue Cross Blue Shield of Louisiana HSA plans 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 plan details...

Features
Blue Cross Blue Shield of Louisiana
  Lifetime Maximum Benefit - $5 million
  Doctor Office Visits - In Network: 100% or 80/20%
 - Out of Network: 80/20% or 60/40%
  Wellness Benefit  - 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

  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 Prescriptions
 - Generic:  In Network: 100% or 80%
 - Brand Name:  Out of Network: 80/20% or 60/40%

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.

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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.

Plan Options

When selecting a plan, you have many different options to choose from, include a discount feature not found on many plans.  Simply click the Expand button to your right to view the Plan Options...

Choose the Best Self-Only Plan for You
Deductible
Coinsurance
amount plan pays in-network/out-of-network after deductible is met
Annual Out-of-pocket Maximum
$1,200
100% / 80%
$3,400
$1,900
100% / 80%
$4,100
$2,800
100% / 80%
$5,000
$3,300
100% / 80%
$5,500
$5,500
100% / 80%
$5,500
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
$2,400
100% / 80%
$6,800
$3,800
100% / 80%
$8,200
$5,600
100% / 80%
$10,000
$6,600
100% / 80%
$11,000
$10,000
100% / 80%
$11,000


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.

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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.

BCBS of LA 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 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 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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