Colorado Health
Insurance Brokers
(303) 948-2244
(866) 488-1339
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An Independent Licensee of the Blue Cross and Blue Shield
Association
Colorado Health Insurance Brokers Serves Clients Across Colorado
Lumenos Health Savings Account - HSA - Health Insurance
Plans by Anthem Blue Cross Blue Shield of Colorado
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Anthem Blue Cross and Blue Shield is introducing an innovative and
affordable health insurance product with the recent Colorado
launch of their Lumenos plans.
The Lumenos HSA was the first full-service, FDIC-insured
Health Savings Account product available. It gives you an
account, called a Health Savings Account, which you can use to
pay for your routine medical care. The HSA is funded by your
pre-tax contributions. The HSA plan includes a Traditional
Health Coverage (PPO) component, similar to a typical health
plan, which protects you against large expenses.
View a 6
slide tutorial on the Lumenos Health Savings Account (HSA) plans.
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How the HSA plan works:
 | First, pay for routine care from your HSA.
Use available dollars in your account to pay 100% of
the cost for routine medical care, like office
visits, tests and prescriptions. You can make the
most of your dollars by visiting Blue Cross Blue
Shield PPO providers offering
discounts to Lumenos customers.
| Use the plan’s Traditional Health Coverage
when you need it. The Traditional Health
Coverage part of the plan pays a percentage of
covered expenses after you satisfy a specified
out-of-pocket expense. You’ll receive the highest
level of coverage if you use any of the more than
400,000 doctors and 50,000 hospitals nationwide that
offer Lumenos discounts. If you reach the plan’s
annual out-of-pocket limit, all remaining covered
expenses for the year are fully covered.
| Preventive care is covered, too. The HSA
plan covers 100% of nationally recommended
preventive services — with no HSA deductions or
other out-of-pocket costs to you. |
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Advantages of the Lumenos HSA
Plan:
| Enjoy tax savings. The dollars you
contribute to your HSA are pre-tax dollars, so you
lower your taxes while paying for covered medical
services.
| Save dollars you don’t use this year and
use them to help reduce out-of-pocket expenses you
might have in future years — even in retirement.
| Take it with you. The money is yours —
take your unused balances when you retire or leave
your employer.
| Ease of use. Lumenos, in partnership with
Mellon Financial Corporation, has created a
full-service product that consolidates the health
plan and HSA components. Employers don’t have to
deal with multiple vendors. And for consumers,
Lumenos is the point of contact for nearly all
aspects of the plan, from account setup to customer
service. Consumers automatically receive Lumenos
provider discounts when using their HSA to pay for
services; they can access financial data about their
HSA accounts through the Lumenos online health site;
and they can call toll-free for assistance, 24/7, on
questions ranging from medical to taxes.
| Security. Lumenos HSA accounts are FDIC
insured.
| Investment growth. Grow your available
health care dollars by investing your HSA funds.
| Convenience. You’ll receive an HSA debit
card and checkbook to pay for covered expenses. |
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Lumenos HSA Product Literature
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:
- 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.
- 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.
- Mail
Application (enclose check for first month's premium
made out to "Anthem
BC/BS") Print the Anthe
m
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 HIA and HIA Plus,
RightPlan 40, Tonik
and Medicare plans.
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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