Anthem Lumenos Health Plans - Indiana
HSA Plan 2
HIA Plan 1
HIA Plan 2
HIA Plus Plan 1
HIA Plus Plan 2
Preventive Care Benefits
HIA Plans Brochure
HIA Plus Plans Brochure
MyAnthem Services Tour
Anthem Care Comparison
- Indiana's Most Popular Health Insurance
- Submit Anthem's Official Online Application
Anthem's Lumenos Plans
- Enhanced preventive care benefits
- An award-winning online health site with the industry's most robust collection of health tools available through a single, secure long-in
- A single customer service organization for both the health insurance and the health account components of Lumenos plans
Superior Benefits
All the Anthem Lumenos plans include outstanding preventive care benefits, with 100% coverage (deductible waived) for preventive care is delivered by network providers. In addition, optional maternity benefits (1-year benefit waiting period) can be purchased at a reasonable cost.
Anthem Lumenos plan choices for Indiana residents are:
HSA Plan 1 — 100% network coverage
This is a great HSA plan — our most recommended health insurance product for Indiana residents. Highlights include:
- 100% coverage (deductible waived) for an extensive menu of preventive care services
- 100% coverage after satisfaction of deductible
- Unlimited lifetime maximum benefit
- Competitive pricing
- Comprehensive major medical coverage
- Blue Access PPO network
- Optional maternity (1 year benefit waiting period)
Anthem Lumenos HSA Plan 1 is available with the following calendar year major medical deductibles for network services:
- $1,500 single / $3,000 family
- $3,000 single / $6,000 family
- $5,000 single / $10,000 family
HSA Administration
Setting up a Health Savings Account (HSA) is optional.
If you want an HSA, you can elect Anthem's integrated HSA from Mellon Trust (Anthem will help you set up your account), or you can establish an HSA with any other bank or financial institution providing HSA administration services.
However, there are administrative advantages when you combine the Anthem Lumenos health plan with a Mellon Trust account.
HSA Plan 2 — 80% network coverage
This is a more affordable version of HSA Plan 1 described above. HSA Plan 2 costs less because it provides 80% -- rather than 100% -- major medical coverage for network services. Highlights include:
- 100% coverage (deductible waived) for an extensive menu of preventive care services
- Unlimited lifetime maximum benefit
- Lower price
- Comprehensive major medical coverage
- Blue Access PPO network
- Optional maternity (1 year benefit waiting period)
Anthem Lumenos HSA Plan 2 is available with the following calendar year major medical deductibles for network services:
- $1,500 single / $3,000 family
- $3,000 single / $6,000 family
HSA Administration
Setting up a Health Savings Account (HSA) is optional.
If you want an HSA, you can elect Anthem's integrated HSA from Mellon Trust (Anthem will help you set up your account), or you can establish an HSA with any other bank or financial institution providing HSA administration services.
However, there are administrative advantages when you combine the Anthem Lumenos health plan with a Mellon Trust account.
The Lumenos HIA plans look a lot like the Lumenos HSA plans, but there's an extra benefit. With the HIA plans, Anthem will provide incentive account allocations when covered persons engage in certain healthy activities:
- Completing an Online Health Assessment
- Participating in a Personal Health Coach Program
- Completing a Smoking Cessation Program
- Completing a Weight Management Program
Offsets to Your Deductible
Health Incentive Account (HIA) funds are used to offset to your deductible expense. In theory, these financial rewards encourage you to live to a healthier lifestyle, which leads to less medical expense while reducing your deductible -- a nice combination.
Keep in mind, these HIA funds are not cash in hand, though they can potentially reduce your cash expense by lowering your health insurance deductible.
Unused Health Incentive Account (HIA) funds rollover into the next calendar year, when they can be applied against next year's deductible.
Higher Cost
If we adjust for benefit differences, the Anthem Lumenos HIA plans cost about 10% more than the Anthem Lumenos HSA plans.
Anthem Lumenos HIA plans are available with the following calendar year network deductibles:
- $1,000 single / $2,000 family
- $2,500 single / $5,000 family
- $5,000 single / $10,000 family
- $1,000 single / $2,000 family
- $2,500 single / $5,000 family
HIA Plans not HSA-Compatible
The Lumenos HIA plans aren't Health Savings Account (HSA)-compatible. In other words, if you're enrolled in an Anthem Lumenos HIA plan, you're not eligible to establish an HSA.
With the HIA Plus plans, you get financial incentives for the same healthy living activities rewarded under the "regular" HIA plans:
- Completing an Online Health Assessment
- Participating in a Personal Health Coach Program
- Completing a Smoking Cessation Program
- Completing a Weight Management Program
Plus an Extra Incentive Allocation
In addition, under Lumenos HIA Plus, Anthem makes an annual incentive account allocation of $500 per individual policy or $1000 per family policy.
Offsets to Your Deductible
Health Incentive Account Plus (HIA Plus) funds are used to offset to your deductible expense. In theory, these financial rewards encourage you to live to a healthier lifestyle and be more prudent in purchasing health care services. This leads to less medical expense while reducing your deductible -- a nice combination.
Keep in mind, these HIA Plus funds are not cash in hand, though they can potentially reduce your cash expense by lowering your health insurance deductible.
Unused Health Incentive Account Plus (HIA Plus) funds rollover into the next calendar year, when they can be applied against next year's deductible. Under HIA Plus you could potentially -- over time -- reduce your health insurance deductible to zero.
Higher Cost
If we adjust for benefit differences, the Anthem Lumenos HIA Plus plans cost about 25% more than the Anthem Lumenos HSA plans.
Anthem Lumenos HIA Plus plans are available with the following calendar year network deductibles:
- $2,500 single / $5,000 family
- $5,000 single / $10,000 family
- $10,000 single / $20,000 family
- $2,500 single / $5,000 family
HIA Plus Plans not HSA-Compatible
The Lumenos HIA Plus plans aren't Health Savings Account (HSA)-compatible. In other words, if you're enrolled in an Anthem Lumenos HIA Plus plan, you're not eligible to establish an HSA.
We Prefer the Lumenos HSA
Which Anthem Lumenos plan is right for you?
In our opinion, whether or not you can afford to set aside funds in a tax-advantaged Health Savings Account (HSA), you'll likely gain long-term financial advantage by choosing one of the Anthem Lumenos HSA Plans.
Frankly, we view the Lumenos HIA and HIA Plus plans as a bit "gimmicky." You're paying Anthem extra money so they can set it aside to potentially offset your deductible expense. You may or may not experience financial savings -- It largely depends on the timing and amount of your medical expenses.
We prefer the more straightforward nature of a Health Savings Account (HSA), which allows you to keep and allocate your own savings.
On the other hand, we recognize the marketing appeal of the HIA Plus plan: Your deductible will meaningfully reduce if you don't incur medically necessary expenses. That's nice, but we believe you'll be better off purchasing a less costly Lumenos HSA-compatible plan and putting the premium difference into your own tax-advantaged Health Savings Account.
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
