Anthem Lumenos Health Plans - Indiana

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Mellon Trust HSA Administration

Anthem has partnered with Mellon Trust to simplify establishing and managing your Health Savings Account.  Anthem will even set up your account once you're approved for coverage.  Or if you'd rather use another financial institution, that's fine too.  You're not required to use Mellon Trust for your Anthem Lumenos HSA-compatible health insurance.

Mellon Advantages

Interest and Investments

You'll earn interest on your Mellon HSA funds and you'll also have the opportunity to invest your funds once your account balance reaches $3000.  Investment options include seven mutual funs from the Dreyfus family of mutual funds.

Debit Cards and Checkbooks

Use your MasterCard debit card or Health Savings Account checkbook to pay your health care provider directly for eligible medical expenses, or to access cash from your account.

Deposits to your Account

Contribute to your HSA by sending a check and deposit slip to the address printed on your checkbook.  For regular account contributions, you can also set up electronic funds transfer between your bank and Mellon.

Account Activity Statements

Each month Mellon sends you a monthly account activity statement.  You'll also receive a 1099 form and a 5498 form near tax time.

Welcome Kit

Once you're approved for your Anthem Lumenos health plan, your Mellon HSA will automatically be established.  A separate application is not required.  Soon after you're approved, you'll receive a Welcome Kit with required banking documentation and instructions for using your HSA.

HSA Fee and Rate Schedule

As of January 1, 2007, the following administrative and banking fees apply to a Health Savings Account with Mellon Trust:

After you're approved for the Anthem Lumenos HSA Plan, you'll receive a Health Savings Account Deposit Agreement / Disclosures / Fee statement in your Mellon Welcome Kit.  Refer to these documents for the complete terms and conditions related to the Mellon Trust account.