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Anthem HSA-qualified High-deductible Health Plans

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Anthem's HSA-qualified High-deductible Health Plans (HDHPs)

High-deductible health plans (HDHPs) are designed to accompany the newest health care innovation—a health savings account (HSA). By pairing an Anthem HSA-qualified HDHP with an HSA, you’ll pay lower premiums and have an account that helps you pay for qualified medical expenses.  
Keep in mind that, until your deductible is met, your out-of-pocket costs may be higher than with your current health plan. However, your monthly premiums will likely be lower than with plans that feature copayments and lower deductibles.  
Network Advantages. You’ll have access to a network with nearly 8,500 health care providers and 60 hospitals throughout Colorado. And, when you visit in-network providers, they will submit the claim forms.  
HDHPs also provide out-of-network benefits, although your out-of-pocket costs will be lower when you obtain care from in-network providers.  

Coverage While Traveling. With an Anthem HDHP, your health care benefits travel with you, giving you access to more than 600,000 providers and 5,900 hospitals nationwide and around the world through our BlueCard® program. When you need care while away from home, call 800-810-BLUE toll free or go to www.bcbs.com to find a BlueCard participating provider.

Key Points
There are no copayments at the time you receive care.
Except for certain preventive care benefits, you must meet the deductible (see chart below) before you begin receiving coverage.
Once the deductible is met, your plan will pay either 100 percent or 80 percent for in-network covered services. Then, Anthem pays 100 percent for in-network covered services.
Based on your plan design, prescription drug coverage may or may not be included. Some Anthem plans feature an insured drug benefit, while others offer a drug discount card.
 
Benefits: Anthem’s HSA-qualified HDHPs
Physician office services, consultations and preventive care
Prescription drugs
Hospital treatment and inpatient/outpatient surgery
Laboratory and X-ray services
Urgent and emergency care
Behavioral health care
Chiropractic care
 
Deductible and Coinsurance Options for Self-only and Family HDHPs
Select a self-only or family HSA-qualified HDHP based on annual deductible and coinsurance options.  

Choosing the Best Plan for You
Annual Deductible
Amount that must be met before coverage begins 
Coinsurance
Amount plan pays after deductible is met 
Annual
Out-of-pocket
Maximum
 
Prescription
Benefit

Amount plan pays after deductible is met 
Self-only


Family


In-network


Self-only


Family


 

$1,250

$2,500

100%

$1,250

$2,500

100%

$2,000

$4,000

100%

$2,000

$4,000

100%

$2,500

$5,000

100%

$2,500

$5,000

100%

$3,000

$6,000

100%

$3,000

$6,000

100%

$1,250

$2,500

80%

$3,250

$6,500

80%

$2,000

$4,000

80%

$4,000

$8,000

80%

$2,500

$5,000

80%

$5,000

$10,000

80%

$3,000

$6,000

80%

$5,000

$10,000

80%

$4,000

$8,000

100%

$4,000

$8,000

100%

$5,000

$10,000

100%

$5,000

$10,000

100%

Features: Anthem’s HSA-qualified HDHPs
No matter which HDHP you choose, you can use our convenient automatic payment plan. This option allows you to pay your premiums via monthly electronic funds transfer (EFT) from your personal bank account. Print out and use the Monthly Bank Draft/EFT form, or call Customer Service at 303-831-2391, or toll free at 800-423-6174 outside the Denver Metro area, for more information.  
With your HDHP, you also gain access to Anthem Healthy Solutionssm —innovative programs and services to help you get the most from your health care benefits.  
MyAnthemsm. This personalized secure member website offers easy, streamlined access to self-service tools and information. Log in and enjoy one-click access to claims and benefits information; search the online provider directory for a doctor or pharmacy; view health and wellness information; use The Healthcare Advisor sm hospital comparison for information about a health condition or recommended procedure; and view drug interactions and compare and evaluative alternatives with the The PharmaAdvisorsm.
MyHealth@Anthem and MiSalud@Anthem. These award-winning online health and wellness information resources feature WebMD Personal Health Manager--personalized and interactive tools to help members assess and manage their health, make informed health care decisions and promote healthier lifestyle choices.
SpecialOffers@Anthem.This site offers convenience and savings on retail products and services. Shop for a personalized weight-loss program; nutrition and alternative wellness products; vitamins; homeopathic and herbal remedies; laser vision correction services and contact lenses; smoking cessation products; baby, toddler and maternity products; fitness club membership and fitness equipment; and much more!
Disease and care management programs are offered for our members who develop serious conditions, such as asthma, congestive heart failure, coronary artery disease and diabetes. Participation is voluntary and confidential. Call 877-236-7486 toll free for more information.
 
Applying is Easy
Complete the health plan application.
Indicate the plan desired.
Answer all medical questions and provide details, including your physician’s name and phone number.
Sign and date the application where necessary.
Mail the application and the first month’s premium to your Anthem Blue Cross and Blue Shield authorized insurance agent or Anthem sales representative.
 
Upon approval, Anthem will send your health plan ID card and certificate to you, along with information about establishing your HSA.  
For more information, or to apply for Anthem's HSA-qualified HDHPs, contact an Anthem sales representative at 303-831-2290 or 800-873-2261. 
The Plans You Prefer from a Company You Can Count On
Our HSA-qualified HDHPs are brought to you by Anthem Blue Cross and Blue Shield. Anthem offers the strength and security that comes with being one of the largest, most-experienced health care benefits companies in the nation. Our mission is to improve the health of the people we serve, and we appreciate the opportunity to serve you. 
For More Information:
Return to Health Savings Accounts
HSA/HDHP Frequently Asked Questions
Individual HSA-qualified High-deductible Health Plans Brochure
HSA-qualified High Deductible Health Plans for Individuals Roll-up Forms
©2005-2014 copyright of Anthem Insurance Companies, Inc.

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