HRA Plan

The Lumenos HRA Plan

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When you enroll in our Lumenos HRA plan, you’ll get:
Health Reimbursement Account (HRA)
An account funded by your employer each year to use on covered medical expenses and prescriptions.  
Use HRA funds first to pay for covered medical expenses and prescriptions.
Unused funds rollover year-to-year for most plans.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Plus, get rewards*-additional funds added to your account:

$50 for completing the MyHealth Assessment

$100 for enrolling in a health coaching program

$200 for graduating from a health coaching program

$50 for completing the Healthy Lifestyles: Tobacco-Free program

$50 for completing the Healthy Lifestyles: Healthy Weight program

*Some eligibility requirements and limitations may apply for programs and incentives.

 
 
Plus, get 100% coverage for nationally recommended preventive care services, with no deduction from your HRA or out-of-pocket costs to you if you see an in-network provider.  
Traditional Health Coverage
A comprehensive health plan that provides added protection for you and your family, after you use all of your HRA funds.  
Traditional Health Coverage begins after you have used your HRA allocation and paid an out-of-pocket amount – called your Bridge – needed to satisfy your plan’s annual deductible.
Your out-of-pocket expenses are limited to a maximum each year, after which you receive 100% protection for covered services.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Personalized Services and Tools
We provide you with online tools and personalized resources to help you live a healthier life.  
Use our ProviderFinder online directory to find doctors and hospitals that participate in our network.
Find tools to help you stay healthy, manage a health condition and prepare for a surgical procedure. Also make comparisons on quality and find cost information for medical services and prescription drugs.
Track your account activity, claims and benefits.
Get personalized help managing a condition from a health coach.
Talk to registered nurses about minor health concerns on our 24/7 NurseLine.
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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