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Lumenos HIA Anthem Blue Cross Colorado Anthem Blue Cross Blue Shield of Colorado
Anthem Blue Cross Blue Shield of Colorado
Anthem Blue Cross Blue Shield of Colorado
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Colorado Health
Insurance Brokers
(303) 948-2244
(866) 488-1339

 
Anthem Blue Cross Blue Shield Colorado
An Independent Licensee of the Blue Cross and Blue Shield Association
Colorado Health Insurance Brokers Serves Clients Across Colorado

Lumenos Health Incentive Account (HIA) Plans by Anthem Blue Cross Blue Shield of Colorado

Anthem Blue Cross and Blue Shield is introducing an innovative and affordable health insurance product with the April 1st, 2007 Colorado launch of their Lumenos Consumer Driven Health Plans plans.  

View a 6 slide tutorial on the Lumenos Health Incentive Account (HIA) plans. 

Anthem's 2 Lumenos Health Incentive Account plans (HIA Plus and HIA) encompass integrated consumer-driven health care featuring:

bulletA Health Incentive Account to help pay for first dollar costs for your medical care and prescriptions. 
bulletHealth Incentive Account can be funded by: 
- Your Healthy Behavior (HIA Plus and HIA Plans)
- Anthem's Quarterly Contributions (HIA Plus Plan Only) 
bulletFull Coverage for Many Preventive Care Benefits* for adults and children.
bulletTraditional health insurance coverage to help cover additional expenses.
bulletAward-winning online health site with industry's best health tools to help you find better quality care for less money and stay healthy. 
bulletA single customer focused customer service organization for both the health insurance and health account components of the Lumenos plans


Click for an Instant Online Quote for Lumenos by Anthem Blue Cross Blue Shield

Get an Instant Online Quote and/or Apply Online now

    Lumenos Health Incentive Account - Consumer Driven Heatlh Plans

Lumenos' Two Health Incentive Account Plan Options: HIA Plus and HIA

Lumenos HIA Plus Plan

With the Lumenos HIA Plus plan gives you a spending account funded by Anthem and you can also earn Healthy Rewards program dollars. 

You'll get:

bulletYour Health Incentive Account (HIA) funded by Anthem. Anthem funds your HIA Each Quarter - $500/year for individuals & $1000/year for families.
bulletYour Health Incentive Account is also funded by any Healthy Incentive Rewards that you earn.
bulletHealthy Incentive Rewards:
     
  1. $50 for completing the Health Assessment
  2. $100 for enrolling in the Personal Health Coach program (if qualified)
  3. $100 for graduating from the Personal Health Coach program
  4. $50 for completing the Smoking Cessation program
  5. $50 for weight management program (if qualified)
bulletUnused HIA funds roll over to the next year if you stay with the plan. No limit on the amount of HIA funds that can roll over from year to year.
bulletUnlimited choice of providers. If you see in-network providers, you may pay less for your care.
Lumenos HIA Plus Anthem Blue Cross Blue Shield Plan

Lumenos HIA Plan 

With the Lumenos HIA plan your account can only be funded by Healthy Rewards. 

You'll get:

bulletA Health Incentive Account (HIA) funded entire by the Healthy Incentive Rewards that you earn. 
bulletHealthy Incentive Rewards funds are used to help pay the cost of your medical care and prescription drugs.
bulletHealthy Incentive Rewards:
     
  1. $50 for completing the Health Assessment
  2. $100 for enrolling in the Personal Health Coach program (if qualified)
  3. $100 for graduating from the Personal Health Coach program
  4. $50 for completing the Smoking Cessation program
  5. $50 for weight management program (if qualified)
bulletUnused HIA funds roll over to the next year if you stay with the plan. No limit on the amount of HIA funds that can roll over from year to year.
bulletUnlimited choice of providers. If you see in-network providers, you may pay less for your care.

 

Lumenos HIA Anthem Blue Cross Blue Shield Plan
With BOTH the HIA Plus and HIA plans you'll  get 100% coverage for nationally recommended preventative care services* with no deduction from your HIA or out-of-pocket costs to you if you see an in-network provider.  Both the HIA Plus and HIA plans offer:

Traditional Health Coverage

bulletA comprehensive health plan with 100% coinsurance in-network.
bulletTraditional Health Coverage begins after you have used all HIA funds available, and paid a limited amount out-of-pocket – called your Bridge – needed to satisfy your plan’s annual deductible.
bulletA single family deductible for family plans.
bulletYour out-of-pocket expenses are limited to a maximum each year, after which you receive 100% protection for covered services.
bulletUnlimited choice of providers. When you see in-network Blue Cross Blue Shield providers, you can get PPO discounts to save you money in the Bridge.

Broad Range of Covered Services

bulletPhysician Office Visits
bulletInpatient Hospital Services
bulletOutpatient Surgery Services
bulletDiagnostic X-rays/Lab Tests
bulletEmergency Hospital Services
bulletInpatient and Outpatient Mental Health
bulletChiropractic Care
bulletHome Health Care and Hospice Care
bulletPhysical, Speech and Occupational Therapy Services
bulletPrescription Drugs
bullet100% coverage for nationally recommended preventative care services*

Personalized Services and Tools to Improve Health & Save $$$

bulletWe provide you with online tools and personalized resources to help you live a healthier life.  
bulletUse our ProviderFinder online directory to find doctors and hospitals that participate in our network.
bulletFind tools to help you stay healthy, manage a health condition or prepare for a surgical procedure. 
bulletMake comparisons on quality and find cost information for medical services and prescription drugs.
bulletTrack your account activity, claims and benefits.
bulletGet personalized help managing a condition from a Personal Health Coach.
bulletTalk to registered nurses about minor health concerns on our 24-Hour Nurse Advice Line.

 

Lumenos HIA Plus Product Literature

bulletLumenos HIA Plus Brochure
bulletLumenos HIA Plus Case Study
bulletLumenos HIA Plus FAQ
bulletColorado Health Plan Description for Lumenos HIA Plus Plan

Lumenos HIA Product Literature

bulletLumenos HIA Brochure
bulletLumenos HIA Case Study
bulletLumenos HIA FAQ
bulletColorado Health Plan Description for Lumenos HIA Plan


Get an Instant Online Quote and/or Apply Online now

How to Apply for Lumenos Coverage from Anthem Blue Cross Blue Shield in Colorado

There are three ways to apply for Lumenos coverage from Anthem so choose the one that is most convenient for you:
  1. Apply Online -  (credit card required for initial month's premium payment): This is the easiest and fastest way to apply. Click here to apply online.    
  2. Fax Application (credit card required for initial month's premium payment):  Print the Anthem Health Insurance Application (1.5Mb pdf file) ) and fax the completed application to Mark Erickson at 303-484-3966. 
  3. Mail Application (enclose check for first month's premium made out to "Anthem BC/BS") Print the Anthem Health Insurance application (1.5Mb pdf file) and mail the completed application to:
Mark Erickson
Colorado Health Insurance Brokers
11852 E. Maplewood Ave.
Greenwood Village, CO  80111
When completing the Anthem Blue Cross Blue Shield application please feel free to use multiple lines as needed on the health statement section of the form as the more detailed information we provide the better.  Also please be sure to include doctor's names, addresses, phone numbers, etc in that section as requested. 

To view the
PDF documents listed above you'll need Adobe Reader which you can get for free at:  http://www.adobe.com/products/acrobat/readstep2.html

For information on Anthem's other plans please visit these pages for more information on the BluePreferred, Lumenos HSA, RightPlan 40, Tonik  and Medicare plans.

* Preventative services covered at 100% in-network for Lumenos plans with 100% coinsurance, so Health Incentive Account dollars are not used for these preventative in-network services.  Some 80% coinsurance plans have 80% coverage for preventative care - please see your plan summary for details.

The plan overviews provided on this page are intended to be a brief outline of coverage. See Colorado Health Plan Description for full plan details and limitations. All terms and conditions of coverage, including benefits and exclusions, are contained in the Certificate, which shall control in the event of a conflict with this overview. 

* Best Price Guarantee: Because health insurance rates are filed with and regulated by the Colorado Division of Insurance, you won't find the plans we sell offered for less anywhere else. If you buy from Colorado Health Insurance Brokers, another agent or directly from the health insurance company, you'll pay the same monthly premium for the same plan. 

Colorado Health Insurance Brokers serves Individuals, Families and Small Businesses for their Anthem Blue Cross Blue Shield Colorado Health Insurance needs.

 

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