The Anthem Lumenos medical insurance plan is an affordable benefit-rich policy that provides comprehensive benefits in a simple way. It’s a very affordable Indiana health care option and here’s how it works:

You select a deductible. The most popular options are $2,500, $3,500 and $5,000. You also pick the coinsurance, which is the percentage of the out-of-pocket expenses you pay after the deductible has been met. Typically, there is a cap so you aren’t subject to more than a few thousand dollars of risk. The 0% coinsurance option is what we recommend most, although the 20% option will be a little bit less expensive. Of course, you may have to pay more if you have a large claim.

Compared to other medical insurance options in Indiana, the Lumenos plan is very attractive. Depending on the number of persons to be insured, you could save between $500 and $4,000 per year. And since the policy is HSA-eligible, you can pick your favorite bank, set up a Health Savings Account, and begin to earn tax breaks for approved medical, vision and dental expenses. Anthem Blue Cross Blue Shield is one of the most respected insurers in the state and most providers participate in their Network. Since Aetna and UniCare no longer offer individual coverage in the state, this policy is more popular than ever!

Any authorized preventive expense is paid by Anthem. You have no deductible to meet and no coinsurance or waiting period. Although the list of covered preventive items is extensive, the most common may be annual physicals, mammograms, children well visits and OBGYN exams. Other covered health care expenses will be negotiated on your behalf so you pay less than someone who was not insured.

Here are a few sample  monthly rates for the Lumenos 0% coinsurance policy. I based the costs on a healthy 40 year old male living in Wayne County.

$96   $5,500 Deductible

$126  $3,500 Deductible

$155  $2,500 Deductible

$231  $1,500 Deductible

Naturally, rates will vary depending on the number of persons insured, zip code, existing health conditions and ages of applicants. However, the more persons that are insured on the policy, the more potential savings could result from owning an Anthem Indiana Health Savings Account vs. another type of plan. However, we realize that this plan is not the perfect fit for every individual or small business owner. For that reason, we provide detailed information all available types of  plans.

We make it easy for you to view details of this plan or apply for coverage. By using the “Free Quote” box at the top of this page, you can compare the Anthem HSA plan with other affordable Indiana medical insurance options.  We constantly update rates and information so the free information you receive is accurate.

 

Tags: Anthem Indiana rates, Anthem medical plans in Indiana, HSA Rates In Indiana, Indiana Blue Cross Blue Shield Health Insurance, indiana health insurance