TermInsuranceBrokers.com is licensed as an independent broker for Anthem Blue Cross/Blue Shield of Virginia. Our Anthem agent ID code is A00597-0385. Anthem offers a wide variety of health plans to fit every need and budget. Blue Cross/Blue Shield is the largest network provider in Virginia with coverage at over 85% of physicians in the state and access to the national and international BlueCard network. Anthem Lumenos HSA Plus is one of the lowest priced plans in Virginia that is compatible with a health savings account. Lumenos is a great option for anyone interested in lowering their health insurance premiums or only wanting to insure against catastrophic loss. Benefits include:
Deductibles – Choice of $1,500, $3,000, and $5,000 deductibles for individuals. Choice of $3,000, $6,000, and $10,000 deductibles for families. Benefits are paid 100% after deductible on $3k and $5k individual plans and $6k and $10k family plans. One combined deductible for the whole family! (Tip: For a two person policy, apply separately as individuals to limit your expenses for each person. As an example, you can have a $3,000 deductible for each person instead of a combined $6,000 deductible.)
Office Visits – Subject to deductible and then paid either 80% or 100% by Anthem depending on your deductible level. Unlimited visits.
Lifetime Maximum – Unlimited
Preventative Care – No charge when using in-network physicians
Prescription Drugs – Brand name and generic both covered, unlimited benefit. Subject to deductible, then paid 100% by Anthem for plans with $3k or $5k individual deductibles or $6k and $10k family deductibles. Paid 80% after deductible for $1500 individual and $3k family deductibles.
Professional & Diagnostic Services – 20% or 0% co-insurance after deductible (depending on deductible chosen). These include but are not limited to x-rays, lab work, anesthesia, surgeon, etc.
Inpatient Services – 20% or 0% co-insurance after deductible. Overnight hospital or facility stays.
Outpatient Services – 20% or 0% co-insurance after deductible. Services without overnight stays.
Emergency Room Services – 20% or 0% co-insurance after deductible
Maternity – Maternity benefits available for an additional $71.00 per month on deductibles of $3000 or higher. Six month waiting period for maternity benefits to be payable with the optional rider. Subject to deductible.
To get a quote and apply online for Anthem Lumenos HSA Plus, just click the banner at the top or bottom of the page. You can also e-mail us at Info@terminsurancebrokers.com 24 hours a day or call 1-800-571-2980 between the hours of 9 AM and 9 PM eastern time.