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 750 plan is one of the best Virginia health insurance values on the individual market. The price point is substantially lower than other companies offer for similar deductibles and still provides comprehensive major medical benefits. SmartSense and Smart Sense with Enhanced Drug benefits include:
Deductible – $750 per person, maximum of two per family.
Co-insurance – You pay 30% after deductible
Maximum Out of Pocket Expense (MOOP) –$4,250 including the deductible per person, maximum of two per family.
Office Visits – Co-payment of $35 for office visits. Three visits per year per person. Additional visits 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 generic both covered, 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 prescription that are not on Anthem’s formulary. If you add the Enhanced Drug benefit, non-formulary drugs are covered. We strongly recommend purchasing the Enhanced Drug benefit.
Professional & Diagnostic Services – 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 interested in maternity benefits, please consider the Anthem Premier plan or Lumenos HSA Plus plan with $2,500 or higher deductible.
To get an instant quote and apply online for Anthem SmartSense and Smart Sense with Enhanced Drug, 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.