Anthem Lumenos Health Plans - Indiana

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Lumenos Pregnancy Option

All the Anthem Lumenos plans (HSA, HIA and HIA Plus) include optional benefits for routine maternity expense.  It's decent pregnancy expense coverage (uncommon in individual health insurance policies), through a 12-month waiting period must be satisfied before these benefits begin.

Once the waiting period is satisfied, pregnancy expenses are covered the same as any other medical condition.  There are no extra deductibles or co-payments.  In addition, the extra cost of this option isn't too severe when compared to other plans.  This additional cost varies based on plan choice, age, tobacco usage, county, etc.

Good Combination with HSA

We like the idea of combining the Anthem Lumenos maternity option with a Health Savings Account (HSA).  This provides an opportunity to completely pre-fund maternity expenses -- the deductible being paid with tax-advantaged HSA money.

If maternity coverage under a generous employer-sponsored plan isn't an option for you, and you won't require the maternity benefits during the next 12 months, we can't think of a better Indiana pregnancy insurance alternative than the Anthem Lumenos HSA.

Complications of Pregnancy
vs Routine Pregnancy

All the standard Anthem Lumenos plans include comprehensive coverage for complications of pregnancy, which can include services such as emergency caesarian section.  The optional maternity benefits apply only to routine maternity expenses, such as typical prenatal, hospital and delivery charges.