TermInsuranceBrokers.com is licensed as an independent broker with Anthem Blue Cross/Blue Shield of Virginia. Our agent ID code is A00597-0385.
The Anthem SmartSense 1500 plan is one of the best Virginia health insurance values on the individual market and the second lowest deductible available for the plan (a $750 deductible is also available). The rates are significantly lower than other companies for similar deductible and benefit levels. SmartSense and Smart Sense with Enhanced Drug benefits include:
Deductible – $1,500 per person, maximum of two per family.
Co-insurance – You pay 30% after deductible
Maximum Out of Pocket Expense (MOOP) –$5,000 including the deductible per person, maximum of two per family.
Office Visits – Co-payment of $35 for first three office visits each year. Visits 4+ apply towards the deductible and co-insurance.
Lifetime Maximum – Unlimited
Preventative Care – No charge when using in-network physicians for recommended care
Prescription Drugs – Brand name and generics, unlimited benefit. Requires $15 co-pay or 40% co-insurance, whichever is greater. As an example, a $100 prescription would have a $40 co-payment and a $200 prescription would have a $80 co-payment. SmartSense does not cover prescriptions that are not on Anthem’s formulary unless you add the Enhanced Drug benefit. We strongly recommend purchasing the Enhanced Drug benefit.
Professional & Diagnostic Services – You pay 30% after deductible
Inpatient Services – 30% after deductible
Outpatient Services – 30% after deductible.
Emergency Room Services – 30% after deductible
Maternity – Not covered. Maternity benefits are not available with SmartSense. If you want maternity benefits, check out the Anthem Premier plan or Lumenos HSA Plus plan with a $2,500 or higher deductible.
To get an instant quote and apply online for Anthem SmartSense and Smart Sense with Enhanced Drugs, just click the banner at the top or bottom of the page. You can call us at 1-800-571-2980 between the hours of 9 AM and 9 PM eastern time or e-mail us at Info@terminsurancebrokers.com 24 hours a day.