Anthem Blue Cross Blue Shield Nevada

Anthem 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 Nevada.

Below you will find information on Anthem's High Deductible Health Plans.  You can also view our Lumenos HSA Plan page.

Plan at a Glance:       Anthem Blue Cross Blue Shield Nevada HSA Brochure 

** 70% option is only available with the 3 lowest deductibles (both individual and family).

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 different versions of the Anthem High Deductible Health plan:

Anthem HSA 100%

The Anthem HSA 100% pays 100% of all covered expenses up to $2 million per person after your deductible has been met.

Anthem HSA 70%

The second option pays 70% of the first $10,000 in covered expenses after the deductible, then 100% of remaining covered expenses up to $2 million per person.

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 :

Rate Information:

Please run an instant quote to see available rates. 

The HSA-qualified Lumenos Consumer-Driven Health Plans for Individuals have standard rates and rates for tobacco users.  You may be eligible for a standard rate if you haven’t used any tobacco products (cigarettes, cigars, chewing tobacco or pipe) during the 12 consecutive months before your application date.  If you’re applying for family coverage, Anthem will individually rate each person listed on the application based on the person’s tobacco use.  Your monthly rate is also partially determined by the ZIP code for your home address.  We have two ZIP code rating areas in Nevada, one for the Las Vegas area and another for the rest of the state.

All individual Lumenos plans with effective dates of January 31, 2008 or earlier, will have a six-month product guarantee.  Plans with effective dates of February 1, 2008 or later will fall under the anniversary rating model.

Anniversary Rating: A model in which premium adjustments (both trend and age-related) happen at the same time in the member's anniversary month.  Anniversary month will be assigned for the first of the month if effective date is the first or the following first of the month for requested effective dates after the first.

PPO Network:

Anthem gives you access to one of the largest networks in Nevada.  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 "BluePreferred PPO" plan.  Policyholders can go to Blue Cross doctors anywhere in the country, and can even access a world-wide network.

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, some applications are approved by Anthem within 24 hours after your application has been received.  If medical records are needed, you may have to reapply, and include medical records.

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.

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.

• Asthma
  
• Heart
  
• Mental
  
• Seizure or Epilepsy
  
• Spine

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 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.com 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 Administrator:

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 Anthem:

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.  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.  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 Nevada 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 agent.

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