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Anthem Blue Cross BlueShield of Indiana
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Anthem Indiana Blue Cross and Blue Shield - Lumenos Plans

Anthem Lumenos Plans are consumer-driven health plans that give you more control and information to help maintain and improve your health. The plans utilize Health Savings Accounts (HSAs) and Health Incentive Account (HIA) plans to help control your health care costs while still providing great, comprehensive coverage. These plans include:

Lumenos HSA Plan 1

Our Rating:

Lumenos HSA Plan 1 is a health savings account (HSA) plan that provides generous, comprehensive benefits after the deductible is satisfied. It features the highest level of benefits of any HSA plan offered by Anthem Blue Cross and Shield in Indiana.

Lumenos HSA Plan 1 highlights include:

HSA Plan 1 Deductibles
  • $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, but it is highly recommended in order to utilize the tax advantages of this plan. If you want to open an HSA, you have the option of electing Anthem's integrated HSA from Mellon Bank or any bank or financial institution of your choice. However, there are some advantages of electing Anthem's integrated HSA from Mellon Bank, which they will help set up your account during the application process.

Lumenos HSA Plan 2

Our Rating:

Lumenos HSA Plan 2 is cheaper version of HSA Plan 1 above because it provides 80% coverage instead of 100% coverage after the deductible

Lumenos HSA Plan 2 highlights include:

HSA Plan 2 Deductibles
  • $1,500 single / $3,000 family
  • $3,000 single / $6,000 family

HSA Administration

Setting up a Health Savings Account (HSA) is optional, but it is highly recommended in order to utilize the tax advantages of this plan. If you want to open an HSA, you have the option of electing Anthem's integrated HSA from Mellon Bank or any bank or financial institution of your choice. However, there are some advantages of electing Anthem's integrated HSA from Mellon Bank, which they will help set up your account during the application process.

Lumenos Health Incentive Account (HIA) Plans

Our Rating:

The Lumenos Health Incentive Account (HIA) Plans are similar to the Lumenos HSA Plans, but include an incentive account to reward healthy behavior. This account (referred to as the HIA) allows you to earn credits through the Anthem rewards program that can be used on covered medical expenses and prescriptions. The Health Incentive Account (HIA) funds are used to offset your deductible expense and rollover into the next calendar year if unused (NOT "use it or lose it" funds).

Some of the activities Anthem provides financial incentives for include:

HIA Plan 1 Deductibles
  • $1,000 single / $2,000 family
  • $2,500 single / $5,000 family
  • $2,500 single / $5,000 family

HIA Plan 1 highlights include:

HIA Plan 2 Deductibles
  • $1,000 single / $2,000 family
  • $2,500 single / $5,000 family

HIA Plan 2 highlights include:

Disadvantages of HIA Plans vs HSA Plans

Because of the additional HIA benefit, the Health Incentive Account Plans are about 10% higher than the Lumenos HSA Plans. Additionally, the HIA plans are not HSA-compatible, meaning you could not open an HSA account and receive any tax-advanages

Lumenos Health Incentive Account "Plus" Plans

Our Rating:

The Lumenos Health Incentive Account Plus Plans are similar to the Lumenos standard HIA Plans mentioned above, but include an additional annual incentive account allocation of $500 per individual policy or $1,000 per family policy that can be used to help offset your deductible. If unused, these funds also rollover into the next calendar and can be applied to next year's deductible.

Anthem still provides the same financial incentives for as the standard HIA Plans including:

HIA Plus Plan 1 Deductibles
  • $2,5000 single / $5,000 family
  • $5,000 single / $10,000 family
  • $10,000 single / $20,000 family

HIA Plus Plan 1 highlights include:

HIA Plan 2 highlights include:

HIA Plan 2 Deductibles
  • $2,500 single / $5,000 family

Cost of HIA Plus Plan vs. HIA Plan

Because of the additional annual HIA "Plus" benefit, the Health Incentive Account Plus Plans are about 25% higher than the standard HIA Plans. With this significant price difference, the standard HIA plan annual premiums can be more than $500 per indvidual or $1,000 less expensive than the HIA Plus annual premium, which makes the HIA Plus Plan an unwise financial option.