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:
- 100% coverage for recommended preventive care (including annual physicals) when you see an in-network provider (deductible waived)
- Traditional Health Coverage to help cover additional health care expenses
- A single customer service organization for both the health insurance and the health account components of Lumenos plans
Lumenos HSA Plan 1
| HSA Plan 1 |
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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 |
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- Access to Blue Access PPO network
- 100% coverage for extensive preventive care services
- 100% coverage after satisfaction of deductible
- Unlimited lifetime maximum benefit
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
| HSA Plan 2 |
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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:
- Access to Blue Access PPO network
- 100% coverage for extensive preventive care services
- 80% coverage after satisfaction of deductible
- More competitive pricing
- Unlimited lifetime maximum benefit
| HSA Plan 2 Deductibles |
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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
| HIA Plan Summaries |
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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:
- Completing an Online Health Assessment ($50)
- Participating in a personal health coach program ($150)
- Completing a Smoking Cessation Program ($50)
- Completing a Weight Management Program ($50)
| HIA Plan 1 Deductibles |
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HIA Plan 1 highlights include:
- Access to Blue Access PPO network
- 100% coverage for extensive preventive care services
- 100% coverage after satisfaction of deductible
- Unlimited lifetime maximum benefit
| HIA Plan 2 Deductibles |
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HIA Plan 2 highlights include:
- Access to Blue Access PPO network
- 100% coverage for extensive preventive care services
- 80% coverage after satisfaction of deductible
- More competitive pricing than HIA Plan 1
- Unlimited lifetime maximum benefit
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
| HIA "Plus" Plan Summaries |
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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:
- Completing an Online Health Assessment ($50)
- Participating in a personal health coach program ($150)
- Completing a Smoking Cessation Program ($50)
- Completing a Weight Management Program ($50)
| HIA Plus Plan 1 Deductibles |
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HIA Plus Plan 1 highlights include:
- Access to Blue Access PPO network
- 100% coverage for extensive list preventive care services
- 100% coverage after satisfaction of deductible
- Unlimited lifetime maximum benefit
HIA Plan 2 highlights include:
| HIA Plan 2 Deductibles |
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- Access to Blue Access PPO network
- 100% coverage for extensive preventive care services
- 80% coverage after satisfaction of deductible
- More competitive pricing than HIA Plan 1
- Unlimited lifetime maximum benefit
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.