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The Lumenos Health Incentive Account (HIA) Plans:
How the HIA plan works:
 | First, pay for routine care from your HIA. 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 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 HIA plan covers 100%
of nationally recommended preventive services — with no HIA
deductions or other out-of-pocket costs to you. |
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Advantages of the Lumenos HIA Plus and HIA Plans:
| Earn Health Care
Dollars (HIA/HIA Plus) with Healthy Behavior (health
assessment, personal health coach program, weight management
program, etc.)
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| With the HIA Plus plan, Anthem gives you health care
dollars to spend your way. The dollars that go into your HIA
come from Anthem, and you control how they are spent.
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| Save dollars you don't use this year and use them to help
reduce any out-of-pocket expenses you might have in future
years.
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