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Search our provider directory when you need a doctor, hospital, pharmacy or other health care provider.
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360° Health®
A total-health solution that surrounds everyone with the help they need to live healthier, feel better and save money doing it.
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Lumenos® HIA Plan
PW_AD091474
With a Lumenos® Health Incentive Account (HIA) plan, the medical plan is integrated with an account called a Health Incentive Account, or HIA, which you can use to help pay covered medical care and prescriptions. The Lumenos Health Incentive Account (HIA) offers all the benefits of a typical PPO health plan, plus more – including the chance to earn health care dollars by taking steps that can help you achieve your health potential. Your HIA is funded entirely through reward credits you earn by participating in our Health Incentive Programs. You can use the credit you build up in your health account to help offset some of your out-of-pocket costs. Reward credits are saved from year to year (as long as you remain in the plan) to reduce the amount you may have to pay out-of-pocket in future years.
Our Lumenos site takes you step-by-step through the benefits, provides sample profiles to illustrate how the plans work, includes tools to help you estimate costs, and much more! Learn how to earn contributions from Anthem to your health account – while participating in our rewards programs.
For more about Lumenos plans and benefits, exclusions and limitations, please view the Lumenos brochure (PDF): Lumenos® Brochure. If you need help choosing a plan, we are here to answer your questions. E-mail a Licensed Agent or call 1-866-503-2829, Monday through Thursday from 8:30 to 6:00, and until 4:30 on Friday, or contact your local Anthem Sales Representative. Eligible for Medicare? Please call: 1-800-238-1143.
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Lumenos® HIA Plan
The chart below contains a brief summary of benefits and is not intended to be a full disclosure of benefits.
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Lumenos HIA Plan
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Deductible Choices
(Individual/Family; per covered person, per calendar year; applies to services in-and out-of-network combined)
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$1,500 / $3,000
$2,500 / $5,000
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Out-of-State Benefits
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Yes
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Out-of-Network Benefits
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Yes -subject to higher coinsurance
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Lifetime Maximum
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Unlimited In-Network;
$1,000,000 Out-of-Network
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Covered Services
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In-Network
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Preventive Care
(including routine physicals)
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No cost to member
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Office Visits
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Deductible & Coinsurance
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Specialist Visits
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20% coinsurance after deductible for all these services
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Lab /X-Rays
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Diagnostic Services
(MRI, MRA, CAT, CTA, PET and SPECT)
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Outpatient Surgery (in a hospital or surgi-center)
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Hospitalization
• Office Visit
• Outpatient Hospital
• Inpatient Hospital
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Emergency Room
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Maternity Care
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Not covered
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Prescription Drugs
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20% coinsurance after deductible
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For More Information
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