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"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."
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Blue Cross of CA Lumenos HSA Plan
Anthem Blue Cross of California is one of the most known and trusted names in the health insurance industry.
HSA-qualified plans are the most popular coverage offered by Anthem Blue Cross. These plans offer substantially lower premiums, along with the opportunity to put tax-deductible money in a special account which can be used to pay your deductible and other medical expenses.
With the Lumenos HSA plan (details on this page) you get exclusive health tools and personalized services designed to improve and maintain your health and enhanced control over your health care dollars. Their other HSA plan is the 3500 PPO HSA plan (details page). If you are not interested in an HSA, you can see information about Anthem Blue Cross non-HSA plans.
Supplemental
Accident Coverage
The perfect complement to any HSA
On This Page
Lumenos HSA Plan at a Glance
With a high deductible health insurance plan, you will save on the cost of insurance by sharing more of the smaller expenses such as physician office visits. While these plans are designed to be affordable, you will enjoy the satisfaction of knowing they will help you protect against the catastrophic cost of a major illness or injury. Antem Blue Cross of California offers some of the most popular High Deductible Health Insurance plans in the state of California.
Use the Expand button to the right to view the Lumenos HSA plan details...
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| * | 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 BCCA, 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 Anthem Blue Cross Lumenos HSA plan is available in a 100%, 80/20 or 70/30 version. Please use the Expand button to the right to view the different version details of the 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, as listed on the Lumenos Preventive Services list.
You choose your own doctor and you never need referrals, but when you use BCCA's network providers, you can save money by receiving BCCA'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.
Combining a Health Savings Account (HSA) with any BCCA 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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Rate Information
Rates vary based upon zip code, age, and effective date. Preferred rates without riders are available on our instant quote page.
Anthem Blue Cross of California PPO Network
Anthem Blue Cross gives you access to one of the largest networks in California, with thousands of health care providers 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 their online directory.
Underwriting
Anthem Blue Cross 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 Blue Cross within 24 hours.
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 make sure there are no delays in getting you covered.
Effective Dates
The coverage can go into effect in as quickly as 24 hours, though you 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 that your coverage has been approved and is in force.
Your earliest possible effective date will be the day after Anthem Blue Cross 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 Anthem Blue Cross of California
Anthem Blue Cross has been serving the health care needs of Californians since 1937. Anthem Blue Cross, together with its branded affiliates, provides health care services to more than 6.8 million members.
Anthem Blue Cross 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 agent. CA License #: 0E39302
"Our medical insurance is now costing less than half of what it was before we got an HSA (we're saving over $3,500 a year in premiums), and we can save federal-tax free."
I very much appreciate what you have done for my wife and I. HSA for America offered us a great variety of plans to choose from. Our medical insurance is now costing less than half of what it was before we got an HSA (we’re saving over $3,500 a year in premiums), and we can save federal-tax free.
HSA for America provides outstanding service. Most other companies have you on hold and entering numbers on the phone until you are completely fed up. While you provide all the questions and answers. I did not even have to ask questions - you have provided all the questions and answers for me.
I talk very favorably to my friends about your company.
Beryl
Sanders
Loomis, CA
Anthem Blue Cross 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
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.
Anthem Blue Cross and Blue Shield in Kentucky Committed $950,000 to Improving Health, Strengthening the State’s ...
As a part of its mission to improve the lives of the people it serves and the health of Kentucky communities, Anthem Blue Cross and Blue Shield today announced that the health plan
ANTHEM, MWHC HAVE DEAL
Mary Washington Healthcare is again a provider in the Anthem Blue Cross and Blue Shield network. The two companies signed a new three-year agreement, effective Wednesday. The deal came exactly one month after Mary Washington walked away from the state's largest health insurance network....
Anthem Blue Cross and Blue Shield in Indiana Committed $2.9 Million to Improving Health and Strengthening Indiana ...
As a part of its mission to improve the lives of the people it serves and the health of Indiana communities, Anthem Blue Cross and Blue Shield today announced that the health plan,
Anthem Blue Cross and Blue Shield Committed Nearly $1.5 million to Improving Health and Strengthening Ohio Communities ...
As part of its mission to improve the lives of the people it serves and the health of Ohio communities, Anthem Blue Cross and Blue Shield announced that the health plan, its corpor
Wellpoint, Anthem to put higher premium on primary care
NORTH BAY -- WellPoint Inc., the nation's largest health insurance company and parent of Anthem Blue Cross, said it will pay physicians a higher reimbursement rate for primary care, a move aimed at reducing overall costs by rewarding preventative and quality care while hopefully addressing a nationwide physician shortage.
Anthem And Other Insurers Focus On Primary Care To Improve Health, Reduce Costs
Get Business Mobile Text Alerts Anthem Blue Cross and Blue Shield in Connecticut said it is changing the way it pays doctors to provide more funding to primary-care doctors to manage patients' health, a path other insurers are also exploring.
