HSA Plan

The Lumenos HSA Plan

PW_AD080591

When you enroll in our Lumenos HSA plan, you’ll get:
Health Savings Account (HSA)
An account funded by your tax-free contributions to use on covered medical expenses and prescriptions. Others may also contribute to your HSA. Qualified medical expenses are defined by Internal Revenue Code Section 213(d).  
 
You may use available HSA funds first to pay the cost of covered medical expenses and prescriptions without incurring a tax liability.
Unused funds rollover year-to-year.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
 
Plus, get 100% coverage for nationally recommended preventive care services with no deduction from your HSA and no out-of-pocket costs to you if you see an in-network provider.  
Traditional Health Coverage
A comprehensive health plan providing added protection for you and your family after you have met your plan’s annual deductible.  
Traditional Health Coverage begins after you have used your HSA balance (if you choose to use HSA funds to pay for covered services) and paid a limited amount out-of-pocket – 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.

*Your plan may not include rewards. Check with your Benefits Department. Some eligibility requirements and limitations may apply for programs and incentives. If your plan allows you to earn rewards for your HSA, you must have an open HSA with Mellon Bank or with another bank through which your employer is sponsoring your HSA. The above information does not constitute legal, tax, or benefit plan design advice. Anthem strongly encourages consultation with a tax advisor before establishing a Health Savings Account. Any Health Savings Account will be established between the individual account holder and the HSA custodian or trustee. Anthem is responsible for the administration of the health plan, and the custodian is responsible for the administration of the HSA.

 
 
©2005-2009 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. 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: 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. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association. ® ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Serving residents and businesses in Indiana, Kentucky, Missouri (excluding 30 counties in the Kansas City area), Ohio, Wisconsin, Colorado, Nevada, Connecticut, Maine, New Hampshire and Virginia (excluding the city of Fairfax, the town of Vienna and the area east of State Route 123). Use of the Anthem Web sites constitutes your agreement with our Terms of Use