Anthem Traditional PPO Plans - Indiana

Indiana's Most Popular Health Insurance
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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

Blue Access Plan 2

With co-pay benefits for office visits and prescriptions, Blue Access Plan 2 is the Anthem option most similar to typical employer-sponsored plans:

Superior benefits
80% coverage after deductible
$25 co-pay office visit benefit (no limit)
Generic and Brand Name Rx co-pays
Network Deductible Options:
  - $250 individual / $500 family
  - $500 individual / $1,000 family
  - $1,000 individual / $2,000 family
  - $2,500 individual / $5,000 family

Sometimes it's difficult to choose between Blue Access Plan 2 and Blue Access Plan 3 -- Anthem's most popular Indiana plans -- as both offer superior benefits. Plan 2 is better for doctor's office visits, but Plan 3 more effectively limits your potential out-of-pocket expense. The two plans provide identical prescription drug card benefits.

Blue Access Plan 3 benefit highlights include:

100% coverage after deductible
Generic and Brand Name Rx co-pays
Does not include office visit co-pay
Network Deductible Options:
  - $2,500 individual / $5,000 family
  - $5,000 individual / $10,000 family
  - $10,000 individual / $20,000 family

Lower Cost Plans

Blue Access Plan 1

Plan 1 was originally designed to be the lower cost alternative to Plan 2 and to Plan 3. Anthem has since introduced the Economy Plan and Value Plan, which provide reduced benefits at a still lower cost.

Generic Rx only
Does not include office visit co-pay
Better Comprehensive Benefits than Economy Plan or Value Plan
Network Deductible Options:
  - $500 individual / $1,000 family
  - $1,000 individual / $2,000 family
  - $2,500 individual / $5,000 family
  - $5,000 individual / $10,000 family

Blue Access Economy Plan

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.

Under the Blue Access Economy plan, coverage is not provided for preventive care and substance abuse/mental health. Prescription benefits are capped at $500 per year:

Limited office visit co-pay benefit
Generic Rx only - with $500 annual max benefit
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

Blue Access Value Plan

This is Anthem's lowest cost traditional PPO plan. Unlike the Economy Plan, the Value Plan provides benefits for adult preventive care, substance abuse/mental health and brand name drugs. However, the Value Plan is offered at higher deductibles:

Preventive care coverage
Limited office visit benefits (2 per person per year)
$500 annual max benefit for Rx
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 now 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

2006 Revenue

2006 Net Income

Total Assets as of 12/31/2006:

$56,953,000,000

$3,094,900,000

$51,759,800,000