Anthem Lumenos Health Plans - Indiana

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Anthem Lumenos PPO Discounts

When you purchase one of the Anthem Lumenos Consumer Directed Health Plans, you'll likely gain a enhanced appreciation for the fee agreements Anthem has negotiated with hospitals, doctors and pharmacies in their PPO network.  At issue is the difference of paying "discount" versus "retail" for health care services.  This is a difference that can be quite substantial.

PPO Discounts

Under traditional PPO plans, these PPO discounts tend to be less critical because you often pay a fixed price (office visit co-pay or Rx co-pay) or lower deductible for medical for services.

However, until you've met your high deductible under the Anthem Lumenos plans, you're paying for all medically necessary services.

You may be paying out of your Health Savings Account (HSA) or using non-tax advantaged funds.  Or you may be drawing against funds in your Health Incentive Account (HIA).  Either way, you gain financial advantage by keeping these expenses to a minimum.  So take advantage of the Anthem PPO discounts.

Anthem Market Strength Advantage

Anthem is, by far, Indiana's largest health insurer, and enjoys exceptional leverage in negotiating fees with the hospitals, physicians and pharmacies participating in their networks.  Correspondingly, Anthem's PPO discounts are the largest in Indiana

Pay Less for Health Care Services

Bigger PPO discounts mean less out-of-pocket cost for the consumer.  It's an important factor to consider when you're thinking about applying for an Anthem Lumenos plan.