Anthem Blue Cross/Blue Shield is one of the oldest and strongest Virginia health insurance companies. Owned as part of the Wellpoint group, Anthem is available in all areas of Virginia west of Route 123/Chain Bridge Road. Anthem has one of the largest provider networks in the state of Virginia and allows access to the Blue Cross/Blue Shield network nationwide, so you don’t have to worry about your coverage when you travel. The network includes over 94 million members and has in-network benefits at nearly 90% of physicians and 80% of hospitals nationwide. The network re-pricing discounts just for being a member average more than 48% per claim, saving you money even when you haven’t met your chosen deductible.
Anthem offers among the most comprehensive preventative care benefits in the entire industry and DOES NOT EXCLUDE PRE-EXISTING CONDITIONS if approved for coverage (assuming at least 12 months of prior coverage in force with no break of more than 63 days). Other health insurance companies may exclude pre-existing conditions upon underwriting completion.
Anthem Premier – Unlimited office visits with a fixed co-payment ($30 primary care, $40 specialist), deductibles as low as $500, 100% paid preventative care, comprehensive prescription drug coverage with fixed co-payments. 100% and 80% co-insurance options. Maternity insurance benefits available with $2500 or higher deductible. Unlimited lifetime maximum benefit.
Anthem SmartSense and SmartSense with Enhanced Drug – 3 office visits per year with a fixed $35 co-payment, deductibles as low as $750, 100% paid preventative care, comprehensive prescription drug coverage with fixed co-payments, 70% co-insurance. Unlimited lifetime maximum benefit. Available Enhanced Drug coverage to include non-formulary prescriptions. We strongly recommend choosing the Enhanced Drug coverage if choosing this plan.
Anthem CoreShare – Affordable premiums, deductibles as low as $750, 50% co-insurance. 100% paid preventative care benefits. No lifetime maximum benefit.
Anthem Lumenos HSA Plus / Health Savings Account – A plan compatible with a health savings account featuring a single deductible for the entire family as low as $3,000 (or $1,500 individual). Preventative care benefits paid 100% before deductible. Maternity insurance benefits are available with $3,000 or higher deductibles. Lower costs than traditional health insurance plans.
Anthem Lumenos HSA Standard – A GUARANTEED ISSUE health insurance policy with no medical underwriting required and compatible with a health savings account. Pre-existing conditions are not covered for a period of 12 months, but are covered in full after the 12 month waiting period. No health questions asked. Preventative care benefits still paid 100% before deductible. $1 million lifetime maximum benefit.
Anthem Virginia Standard – A GUARANTEED ISSUE health insurance policy with no underwriting required. Lower deductible options than Lumenos Standard (as low as $500). Pre-existing conditions fully covered after 12-month waiting period. No health questions asked. $1 million lifetime maximum benefit.
Anthem ShortOption – The Short Option plan is a short-term health insurance policy to provide coverage for 30, 60, 90, or 180 days. Useful for recent college graduates and individuals waiting for employer-sponsored group benefits to kick in. Serves as catastrophic coverage at a low price with no medical underwriting required. $250, $500, and $1,000 deductibles available.
Anthem Dental – A standalone dental plan that provides a true insurance benefit (versus only a discount as other plans may offer). Preventative care benefits are paid 100% from the first day of coverage at in-network dentists. $50 deductible and 50% co-insurance after a 6 or 18 month waiting period for insurance coverage. You receive network discounts from first day of coverage. $1,000 annual benefit maximum.
Anthem Keycare Healthsmart – A single deductible for the entire family as low as $2,250, first dollar preventative care benefits, compatible with a health savings account (unless Enhanced Drug benefit included). Enhanced Drug option available to provide first-dollar prescription benefits. This plan is no longer available as of September 2010.
Anthem Lumenos HIA/Health Incentive Account – Similar to Lumenos HSA, but featuring rewards from Anthem for completing healthy lifestyle activities. Rewards can be used to pay any out of pocket medical costs. Different deductible options available. This plan is no longer available as of September 2010.
Anthem Lumenos HIA Plus/Health Incentive Account Plus – Similar to Lumenos HIA, but with quarterly payments made by Anthem into an account to be used for out of pocket health expenses. This plan is no longer available as of September 2010.
Anthem Keycare Preferred – Anthem’s most comprehensive, lowest deductible policy with unlimited office visits at a fixed co-payment, including preventative care dental benefits. This plan is no longer available as of June 2010.
Anthem Keycare Flexible Choice – Unlimited office visits with a fixed co-payment ($20/30 or $30/40 depending on deductible). Deductibles as low as $500, comprehensive prescription drug coverage with fixed co-payments. 100% and 80% co-insurance options. Maternity benefits available at all deductible levels. $5 million lifetime maximum benefit. This plan is no longer available as of September 2010.
If you would like a quote for Anthem health insurance, please click here or on the Anthem logo at the top of the page. Please feel free to give us a call at 1-800-571-2980 if you have any questions or need further assistance. You can also e-mail us at Info@terminsurancebrokers.com 24 hours a day.