Anthem (Indiana) Blue Cross and Blue Shield - PPO
Anthem Care Comparison BlueCard PPO Program Anthem 360° Health SpecialOffers@Anthem
- Indiana's Most Popular Health Insurance
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Vast PPO Network and Plan Designs to Fit Your Needs
All Anthem Blue Cross Blue Shield products give Indiana residents access to the extensive Anthem Indiana PPO network which includes about 14,000 doctors/specialists and approximately 140 Indiana hospitals:
In addition, all Anthem Blue Cross Blue Shield individual health insurance plans allow Indiana residents the option of adding a dental insurance plan and/or term life insurance:
Evaluation of Anthem's Indiana Health Plans
In Indiana there are three Anthem Blue Cross Blue Shield traditional PPO health insurance products providing an array of deductible, coinsurance and co-payment options. In addition Anthem Blue Cross BlueShield offers the Lumenos Health Savings Account (HSA) plan with deductible and coinsurance variations. Here is how they compare to each other:
Anthem Traditional PPO Product Choices
Anthem's Premier Plus plan for Indiana residents has the most generous benefit options and costs the most. The Anthem CoreSense plan is the economy model and the SmartSense Plus plan is the moderate middle choice. Here are brief plan summaries listed in order of highest cost to lowest cost:
Anthem Premier Plus for Indiana Residents
Superior Benefits
With office visit co-payments (deductible waived) and a co-pay prescription drug
card benefit, Premier Plus compares with generous plans offered through some large employers. We recommend
Premier Plus for Indiana residents willing to pay extra for a health insurance
plan that minimizes the more routine out-of-pocket medical expenses:
- Anthem Indiana PPO Network
- $30 office visit co-pay option (deductible waived) for Primary Care
- $40 office visit co-pay option (deductible waived) for Specialists
- Prescription drug co-pay benefits
- 100% Preventive care benefits (deductible waived)
- Unlimited Maximum Benefit
- 80% or 100% coverage for services provided by PPO physicians and hospitals (Options vary with the deductible you choose)
- Optional maternity benefits (18 month waiting period)
- Optional dental plan
- Optional term life insurance
Anthem Premier Plus Major Medical Deductible Options
- $500 individual / $1,000 family
- $1,000 individual / $1,500 family
- $1,500 individual / $3,000 family
- $2,500 individual / $5,000 family
- $3,500 individual / $7,000 family
- $5,000 individual / $10,000 family
- $10,000 individual / $20,000 family
Anthem Premier Plus Network Out-of-Pocket Maximum
(not including deductible)
With $500, $1,000 and $1,500 deductible:
With $2500 deductible:
With $3,500, $5,000 and $10,000 deductible:
Anthem SmartSense Plus for Indiana Residents
Moderated Benefits at a More Affordable Price
With Anthem SmartSense Plus office visit co-pay benefits are limited and there is additional potential out-of-pocket expense for major medical services like hospitalization and surgery:
- Anthem Indiana PPO Network
- $35 office visit co-pay (deductible waived) limited to three office visits per year
- Prescription drug co-pay benefit option
- 100% Preventive care benefits (deductible waived)
- Unlimited Maximum Benefit
- 70% or 50% coverage for services provided by PPO physicians and hospitals (Options vary with the deductible you choose)
- Optional dental plan
- Optional term life insurance
Anthem SmartSense Plus Major Medical Deductible Options
- $500 individual / $1,000 family
- $1,000 individual / $1,500 family
- $1,500 individual / $3,000 family
- $2,500 individual / $5,000 family
- $3,500 individual / $7,000 family
- $5,000 individual / $10,000 family
- $10,000 individual / $20,000 family
Anthem SmartSense Plus Network Out-of-Pocket Maximum
(not including deductible)
- $3,500 individual / $7,000 family
Anthem CoreShare for Indiana Residents
Quality Major Medical Coverage without Expensive Extras
CoreShare major medical coverage is comparable to what you get with SmartSense
Plus, but you don't pay extra for the office visit co-pay and prescription
co-pay benefits. CoreShare is a good choice for Indiana residents who are primarily
concerned with out-of-pocket costs and affordability.
- Anthem Indiana PPO Network
- 100% Preventive care benefits (deductible waived)
- Unlimited Maximum Benefit
- 50% or 100% coverage for services provided by PPO physicians and hospitals (Varies with the deductible you choose)
- Optional dental plan
- Optional term life insurance
Anthem CoreShare Major Medical Deductible Options
- $750 individual / $1,500 family
- $1,500 individual / $3,000 family
- $2,500 individual / $5,000 family
- $3,500 individual / $7,000 family
- $5,000 individual / $10,000 family
- $7,500 individual / $15,000 family
- $10,000 individual / $20,000 family
- $15,000 individual / $30,000 family
- $25,000 individual / $50,000 family
Anthem CoreShare Network Out-of-Pocket Maximum
(not including deductible)
With $750, $1,500, $2,500, $3,500 and $5,000 deductible:
With $7,500, $10,000, $15,000 and $20,000 deductible:
Anthem is Part of Wellpoint
Anthem Blue Cross Blue Shield -- far and away Indiana's largest health insurer -- is part of Wellpoint, one of the nation's largest health benefits companies, serving the needs of approximately 34 million medical members nationwide.
WellPoint serves members as a Blue Cross licensee or a Blue Cross Blue Shield licensee in California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia and Wisconsin. In a majority of these service areas, WellPoint’s plans do business as Anthem Blue Cross, Anthem Blue Cross Blue Shield, Blue Cross and Blue Shield of Georgia and Empire Blue Cross Blue Shield, or Empire Blue Cross (in the New York service areas).
Wellpoint Financial Statistics
2011 Revenue
2011 Net Income
Total Assets as of 12/31/2011:
$60,710,700,000
$2,646,700,000
$27,097,400,000
