Get an Instant Quote
Compare dozens of plans and insurance companies.
When you decide on an HSA plan you like, click "apply" and you can sign up right online.
From our clients...
"Your company is very personable, pleasant to deal with and patient with all my questions. I was new to Health Savings Accounts and wanted to make sure I had a good understanding of what they were."
Linda Nelson - Lenexa, TX
"I would certainly recommend your company to others and feel you are offering a valuable service to all of us who are frustrated with the current health care system."
Diane Rumsey - Edmond, OK
"We were really impressed with the service and the straightforward answers."
Cory Shain - Patskala, OH
BCBS of Missouri HSA Plans
Blue Cross Blue Shield of Missouri is one of the most known and trusted names in the health insurance industry. Anthem Blue Cross Blue Shield has one of the most competitive HSA plans in Missouri.
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.
Supplemental
Accident Coverage
The perfect complement to any HSA
On This Page
BCBS of MO HSA Plans at a Glance
These plans qualifies as HSA-eligible. Combining a Health Savings Account (HSA) with this Blue Cross Blue Shield of Missouri 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...
|
| * | 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 Blue Cross Blue Shield of Missouri Lumenos HSA plan is available in a 100%, 80/20 or 70/30 version. Click the Expand button to the right to view the Coverage Synopsis on each plan...
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.
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
When
selecting a plan, you have many different options to choose from.
Click the Expand button to your right to view the Plan Options...
|
|
Note: Please run an instant
quote for exact deductibles in your area.
Rate Information
Rates are available on our instant quote page. Rates are regulated by state law, and no one can offer lower rates than HSA for America.
Rates are the same throughout Missouri, and don't change by zip code or effective date. Though rates may change at any time, readjustments typically occur on January 1st of each year.
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 or credit card.
BCBS of MO PPO Network
Anthem gives you access to one of the largest networks in Missouri, with nearly 8,500 health care providers and over 60 hospitals throughout the state. The large list of doctors and hospitals can be viewed at the Anthem PPO Online Provider Directory.
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, 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. Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider. 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.
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.
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
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 has 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
You may also choose one from our HSA administrator page, where you can compare rates and features.
About Blue Cross Blue Shield of Missouri
The company known today as Anthem is the outgrowth of two Missouripolis-based corporations formed in 1944 and 1946 as mutual insurance companies. Those two companies were created to provide health insurance to residents of Missouri as Blue Cross Blue Shield of Missouri. In the mid-1980s, Blue Cross and Blue Shield of Missouri 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 of Missouri 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 Missouri agent.
Blue Cross Blue Shield in the News
Anthem Blue Cross and Blue Shield Launches Innovative Program to Enhance Primary Care by Rewarding Physicians for ...
Anthem Blue Cross and Blue Shield in Connecticut today announced an innovative, patient‐centered primary care program that will fundamentally change its relationship with primary c
Blue Cross Blue Shield of Michigan Asks Kids to "Make the Play" for a Healthier Michigan
DETROIT, Jan. 24, 2012 /PRNewswire/ -- "Making the play" – something quarterback Matthew Stafford does week after week each season with the Detroit Lions. Something he couldn't accomplish without ...
Blue Cross and Blue Shield Individual Health Insurance Plans in Illinois, Texas and Oklahoma Available Through ...
MOUNTAIN VIEW, CA-- - Today eHealth, Inc. , the leading online source of health insurance for individuals, families and small businesses, announced that it is offering individual and family health insurance ...
Blue Cross and Blue Shield of Florida Introduces First-of-its-Kind Patient Centered Medical Home Program
JACKSONVILLE, Fla., Feb. 2, 2012 /PRNewswire/ -- Blue Cross and Blue Shield of Florida, Inc. (BCBSF) announces a statewide roll-out of its Patient Centered Medical Home (PCMH) program, which aims to provide ...
W. P. Carey Closes Sale-Leaseback Financing With Blue Cross and Blue Shield of Minnesota
NEW YORK, NY-- - Investment firm W. P. Carey & Co. LLC announced today that CPA®:17 - Global, one of its publicly held non-traded REIT affiliates, has closed on a sale-leaseback financing with Blue Cross ...
Blue Cross Blue Shield wants Aetna antitrust lawsuit dismissed
Blue Cross Blue Shield of Michigan has asked a federal court judge in Detroit to dismiss a lawsuit by rival insurer Aetna that challenged hospital contracts that give the Blues big discounts at the expense of its competitors.
Blues open group incentive program to psychologists
Jay Greene - Psychologists will become the newest eligible members in July to join a financial incentive quality improvement program sponsored by Blue Cross Blue Shield of Michigan , following podiatrists and chiropractors who became eligible for...
Anthem Blue Cross and Blue Shield Announces Winners of the Get Active, Get Fit School Challenge
Anthem Blue Cross and Blue Shield is pleased to announce the winners of the Get Active, Get Fit School Challenge. The 20 Colorado schools with the highest percentage of participation in the program won a live dance party at their school hosted by Radio Disney AM 1690.
