Anthem Traditional PPO Plans - Indiana
Economy Plan
Value Plan
Anthem Care Comparison
- Indiana's Most Popular Health Insurance
- Submit Anthem's Official Online Application
Anthem Blue Access Overview
Blue Access is the brand name for the preferred provider organization (PPO) plans offered by Anthem Blue Cross Blue Shield, Indiana's largest health insurer.
Our comments on each of the Anthem traditional PPO plans for Indiana residents:
Superior Benefits - Plan 2 & Plan 3
Anthem's best selling plan for many years, Blue Access Plan 2 provides popular co-pay benefits like those offered through generous employer-sponsored plans:
- $25 office visit co-pay (deductible waived)
- Generic and brand name Rx co-pays (deductible waived)
- Comprehensive major medical coverage
- $5 million lifetime maximum benefit
- Preventive care for adults and children
- Blue Access PPO network
Anthem Blue Access Plan 2 is available with the following calendar year major medical deductibles for network services:
- $250 individual / $500 family
- $500 individual / $1,000 family
- $1,000 individual / $2,000 family
- $2,500 individual / $5,000 family
Superior Comprehensive Coverage
Choosing between Blue Access Plan 2 and Blue Access Plan 3 can be difficult. These plans are very close in terms of overall cost/benefit value. Both offer superior Blue Cross and Blue Shield benefits, but each has a different strength.
Blue Access Plan 2 offers better office visit coverage, but with Plan 3 you get more favorable limits on out-of-pocket expense for large cost items like hospitalization and surgery. Both plans provide exactly the same prescription drug card coverage.
- Comprehensive major medical coverage
- 100% benefits after satisfaction of deductible
- Generic and brand name Rx co-pays (deductible waived)
- $5 million lifetime maximum benefit
- Preventive care for adults and children
- Blue Access PPO network
Anthem Blue Access Plan 3 has the following calendar year major medical network deductible choices:
- $2,500 individual / $5,000 family
- $5,000 individual / $10,000 family
- $10,000 individual / $20,000 family
Lower Cost Plan
Anthem's Middle Choice
Anthem originally designed Blue Access Plan 1 to be the lower cost alternative to Plan 2 and to Plan 3. Since then, introduced the Economy Plan (see below) and Value Plan (see below), which provide reduced benefits at a still lower cost.
Blue Access Plan 1 has become the "middle choice" of the Anthem Blue Access Traditional PPO plans for Indiana residents.
- Competitive price
- Comprehensive major medical coverage
- $5 million lifetime maximum benefit
- Preventive care for adults and children
- Blue Access PPO network
- Generic Rx only (doesn't cover brand name drugs)
Anthem Blue Access Plan 1 has the following calendar year major medical network deductible choices:
- $500 individual / $1,000 family
- $1,000 individual / $2,000 family
- $2,500 individual / $5,000 family
- $5,000 individual / $10,000 family
Lowest Cost Plans
Limited Co-pay Benefits
With lower deductibles, a limited office visit co-pay benefit (3 visits per year) and a generic prescription co-pay card, Blue Access Economy looks like a budget version of the popular Blue Access Plan 2.
Blue Access Economy is offered at an attractive price, but don't buy it without noting the following exclusions and limitations:
- No coverage for preventive care
- No coverage for mental health / substance abuse
- Generic Rx only (doesn't cover brand name drugs)
- $500 annual maximum benefit for prescriptions
- Low price
- Comprehensive major medical benefits -- except for the exclusions and limitations noted above
- $5 million lifetime maximum benefit
- Blue Access PPO network
The Anthem Blue Access Economy Plan is offered with the following calendar year major medical network deductible options:
- $500 individual / $1,000 family
- $1,000 individual / $2,000 family
- $1,500 individual / $3,000 family
- $2,500 individual / $5,000 family
Solid Comprehensive Health Insurance Value
Though Blue Access Value is Anthem's lowest cost traditional PPO plan, it provides better comprehensive benefits than offered under the Economy Plan (above) -- with coverage for adult preventive care, substance abuse/mental health and brand name drugs. The Value Plan costs less because it's offered at higher deductibles.
- Low price
- Comprehensive major medical coverage
- $5 million lifetime maximum benefit
- Preventive care coverage for adults (but not for children)
- Limited office visit benefits ($30 co-pay limited to 2 visits per person per year)
- $500 annual maximum benefit for Rx (both generic and brand name)
- Blue Access PPO network
The Anthem Blue Access Value Plan is available with the following calendar year major medical network deductible options:
- $2,000 individual / $4,000 family
- $3,000 individual / $6,000 family
- $5,000 individual / $10,000 family
- $10,000 individual / $20,000 family
Dental and Life Insurance Add-Ons
Anthem offers a Term Life Insurance option and a Dental Insurance option. You can elect these coverage add-ons when you apply for Anthem health insurance.
Outstanding PPO Network
All Plan Options utilize Anthem's extensive Blue Access PPO network in Indiana, and provide nationwide PPO access through the Blue Card Program, which represents the combined PPO networks of the USA's Blue Cross and Blue Shield plans.
Anthem is Part of Wellpoint
Anthem Blue Cross and Blue Shield is part of Wellpoint, Inc., which is the nation's leading health benefits company serving the needs of approximately 34 million medical members nationwide.
WellPoint is a Blue Cross or Blue Cross Blue Shield licensee in 14 states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, and Wisconsin.
Wellpoint, Inc. Financial Statistics
2007 Revenue
2007 Net Income
Total Assets as of 12/31/2007:
$60,122,000,000
$3,345,400,000
$52,060,000,000
