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Lumenos&reg HSA Plan


Take more control of your health care and expenses.

Our Lumenos plans are Consumer Driven Health Plans that give you more control over your health care, plus more. With a Lumenos® Health Savings Account (HSA) plan, the medical plan is compatible with an account called a Health Savings Account, or HSA, which you can use to help pay for prescription drugs and other covered eligible medical expenses. Unused dollars are saved from year to year to reduce the amount you may have to pay out-of-pocket in future years. And the money in your HSA is yours to keep – it’s never forfeited, even if you leave the health care plan. The Lumenos HSA plan offers all the benefits of a typical PPO health plan, plus more – including the potential tax advantages for contributions to and withdrawals from your HSA (within IRS limits and requirements).  
A wide choice of annual deductible/monthly rate combinations. Just choose the one that fits your budget.
Lower costs on services when you use our network of more than 16,900 PPO doctors and specialists and nearly 100 hospitals throughout the state. This means your share of medical costs will be lower, too.
Health and wellness programs. Preventive care and routine wellness services are paid at 100% before the deductible when you use network providers. The healthier you are, the more you’ll save on health care.
An integrated Health Savings Account option with Anthem’s banking partner ACS/Mellon Trust of New England® (Mellon).
Coverage that travels with you. Network providers in the BlueCard® program across the country will help make it easy to get access to the care you need when on a short trip or vacation.
Optional coverage. For a total benefit solution, you can choose to add one of our popular dental, maternity and term life coverage options.
Experience you can trust. One of the most trusted names in health coverage, Anthem Blue Cross and Blue Shield has been providing quality health benefits to state residents for over 75 years.
Want to know more?
Lumenos HSA Brochure
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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use