Anthem Blue Cross of California – Lumenos Plans to the Rescue

Health care is becoming more and more expensive as health insurance companies charge higher premiums for their plans. California residents, however, need not worry for Anthem Blue Cross of California has introduced one of its newest products, the Lumenos plans (HSA compatible). This is a  consumer-driven health plan designed to help individuals and families control their out-of-pocket health care expenses.

 Let us see how the California Lumenos health plans will help plan holders save money.

1. Lower premiums — Unlike some health care plans, the Lumenos plans are designed in such a way that enrolled members will pay lower premiums but higher deductibles. The deductible is the amount of money that the consumer must meet before they receive plan benefits. Deductibles with the Lumenos plans start at $1500 with the highest reaching $5000. By offering higher deductibles, the Lumenos plans allow consumers to spend less on their monthly premiums.

2. Free Preventive Health Care — As the old saying goes, prevention is better than cure. Anthem believes in that too, all members enrolled in the Lumenos plans get 100% coverage on preventive health care services. This means that the plan holder and dependents won’t have to pay any deductible or out-of-pocket costs for preventive health visits. So what qualifies as preventive health services?
 
Children enrolled in the plan get FREE preventive physical exam, immunizations, eye chart vision screening, hearing screening, screening for lead exposure and pelvic exam and pap test. Adults, get the same services for free including cholesterol and lipid level screening, blood glucose test to screen for Type 2 diabetes, prostate cancer screenings, breast exam and mammography screening.

3. Savings for using network doctors and hospital – Lumenos 1500 and 3000 deductible members pay 30% of doctor’s fees, hospital charges, prescription drugs and emergency medical room fees after satisfying the deductible. All Lumenos members will get up to 24 visits per to the Chiropractor.

4. Tax-deductible contributions mean extra savings — Under the law, contributions to personal health savings accounts (HSAs) are tax deductible, within the limits set by the IRS. By funding your HSA, you keep the money like you would a regular savings account and then may use the money to pay for qualified medical expenses.

 5. Cap on out-of-pocket expenses will result into greater savings — Under the Lumenos plans, a member’s out-of-pocket expenses are limited. Once the enrollee meets their deductible and reaches that maximum limit on expenses, Anthem will shoulder health care costs for the rest of year provided that the services of in-network providers are used.