BCBS of Indiana HSA Plans

Blue Cross Blue Shield of Indiana is one of the most known and trusted names in the health insurance industry.  Anthem Blue Cross Blue Shield has one of the most competitive HSA plans in Indiana.

Blue Cross Blue Shield of IndianaBCBS of IN Lumenos HSA

Blue Cross Blue Shield of Indiana Apply Online

Supplemental Accident Coverage
The perfect complement to any HSA


The Lumenos HSA plan is among the many consumer-driven plans offered by Anthem Blue Cross Blue Shield.  These plans allow consumers to take more control over their health care.

With the Lumenos HSA plan members can get 100% coverage for preventive care on nationally recommended services, and if you see an in-network provider, there are no out of pocket costs, meaning no funds in your HSA need to be used for these services.  Once you have satisfied your annual out-of-pocket expenses (your deductible and any co-insurance, if applicable) have been satisfied, your Lumenos health coverage begins paying at 100% of all covered charges, both in and out-of-network.

Lumenos also offers an array of online tools and resources to help members live a healthier life.  A Network Provider Finder helps members locate doctors and hospitals that participate within the network.  There are online tools to help members manage health conditions, find cost information for services and prescriptions, track account activity, and communicate effectively with health coaches and nurses.

 

BCBS of IN HSA Plans at a Glance

These plans qualifies as HSA-eligible.  Combining a Health Savings Account (HSA) with this Blue Cross Blue Shield of Indiana HSA plans allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest.  This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine (see the qualified medical expenses).  If you do not use these funds, they simply accumulate with interest, for distribution upon your retirement.

Use the Expand button to the right to view plan details...

Features
Anthem Lumenos HSA
  Lifetime Maximum Benefit - Lumenos Plans offer unlimited coverage
  Doctor Office Visits - 100%, 80% after deductible
  Wellness Benefit *  - 100% All approved preventive care covered **
  Prescription Drugs
 - 100%, 80% after deductible
  Hospital Services - 100%, 80% after deductible
  Plan Deductible
   This is the amount you pay each calendar
   year before benefits are paid.

 - Please run an instant quote for deductibles in your area

  Chiropractic Care - 100%, 80% after deductible
  Network Coinsurance
   This is the percentage of covered medical
   expenses Anthem pays after the deductible is met.
 - 100%, 80% after deductible
  Non-network Coinsurance
   If you go out of network, this is the limit of
   covered medical expenses you pay after the deductible is met.
 - 70%, 60% after deductible
  All Other Services
 - All Covered Services, including prescription drugs, are subject to deductible and coinsurance.


  *Children services are not subject to deductible for age appropriate visits and routine immunizations, and are subject to the coinsurance limits of your plan.  Age specific mammogram screening and prostate screening are covered and are not subject to deductible or coinsurance.  Maximum payment of $500 per year.
 **When you use providers in the network, nationally recommended preventive care services are paid for by Anthem, at zero cost to you.


This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education.  The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected.  These plans contain exclusions from and limitations of coverage.  Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements.  Plans are subject to health underwriting.  To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

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Coverage Synopsis

The Blue Cross Blue Shield of Indiana Lumenos HSA plan is available in a 100%, 80/20 or 70/30 version.  Click the Expand button to the right to view the Coverage Synopsis on each plan...

100% Plan

this option pays 100% of all covered expenses up to the lifetime maximum after your deductible has been met.


80/20 Plan

this option pays 80% of all covered expenses up to $3,000 for individuals and $6,000 for families, after the deductible has been met, then 100% up to the lifetime maximum.  Your out of pocket maximum is $5,000 for individuals and $10,000 for families with in-network services.


The deductible for each of these plans needs to be met only once for the entire family.  Please run an instant quote for deductibles in your area.

All nationally recommended preventive care services are 100% covered.

You choose your own doctor and you never need referrals-but when you use Anthem's network providers, you can save money by receiving Anthem's negotiated discounts on services and prescriptions.

You'll have access to these exclusive Health Tools and Personalized Services:

  • An online Health Assessment designed to help you measure your overall health.
  • A Personal Health Coach Program, Smoking Cessation Program, and Weight Management Program.
  • 24-Hour Nurse Advice Line when you need a quick answer to a routine health question or advice on a medical issue.
  • An online health site with tools and information, including network provider listings, hospital quality ratings, prescription drug costs, wellness articles, and much more.

Eligibility

There are a few requirements in order to attain coverage with a Lumenos HSA Plan.  These plans only apply to U.S. residents and non-active military.  You must be covered by an HSA-compatible plan and cannot be covered by any other medical plan that is not an HSA-compatible plan as well as being enrolled in Medicare.

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Plan Options

When selecting a plan, you have many different options to choose from.  Click the Expand button to your right to view the Plan Options...

Choose the Best Individual Plan for You
Deductible
Coinsurance
amount plan pays in-network/out-of-network after deductible is met
Annual Out-of-pocket Maximum
$1,500
100% / 70%
$1,500
$1,500
80% / 60%
$5,000
$3,000
100% / 70%
$3,000
$3,000
80% / 60%
$5,000
$5,000
100% / 70%
$5,000
Choose the Best Family Plan for You
Deductible
Coinsurance
amount plan pays in-network/out-of-network after deductible is met
Annual Out-of-pocket Maximum
$3,000
100% / 70%
$3,000
$3,000
80% / 60%
$10,000
$6,000
100% / 70%
$6,000
$6,000
80% / 60%
$10,000
$10,000
100% / 70%
$10,000


Note:
Please run an instant quote for exact deductibles in your area
.

Lumenos HAS also offers an optional maternity rider that is subject to a 12-month waiting period.

Blue Preferred Term Life plan is also available with most individual medical plans.  A great benefit is that there will be no medical exams or the need to fill out additional forms.  The bills for your health insurance and life insurance will be billed on one statement.  Check out more information at Blue Preferred® Term Life.

Also available with Lumenos is Dental Blue.  Your coverage is 100% for preventative and diagnostic care when you see a network provider.  Check out more information at Dental Blue®.

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Rate Information

Rates are available on our instant quote page.  Rates are regulated by state law, and no one can offer lower rates than HSA for America

Rates are the same throughout Indiana, and don't change by zip code or effective date.  Though rates may change at any time, readjustments typically occur on January 1st of each year.  

The premium can be paid monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft.  The bank draft will occur on either the first or the sixteenth of each month.  The initial premium can be paid with a check or credit card.

BCBS of IN PPO Network

Anthem gives you access to one of the largest networks in Indiana, with nearly 8,500 health care providers and over 60 hospitals throughout the state.  The large list of doctors and hospitals can be viewed at the Anthem PPO Online Provider Directory.

Underwriting

Anthem has one of the easiest, most efficient underwriting teams in the industry.  The process is very fast if no medical records are needed.  While it is always a good idea to apply at least three weeks prior to the time you need your new coverage to take effect, most applications that are done online are approved by Anthem within 24 hours.  If medical records must be ordered, the application process will take longer...

The company does have the right to accept or decline any individual or family application.  Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider.  If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can avoid unnecessary delays in getting you covered.

For an infant less than 6 months of age, Anthem requires nursery records from the hospital where the infant was born, office records from the infant’s pediatrician, and results of the newborn screening laboratory tests (available from the hospital or pediatrician).

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Effective Dates

The coverage can go into effect in as quickly as 24 hours, though the applicant risks being declined if claims are submitted before the underwriting process is completed.  You may request an effective date any time after the date you sign the application and 60 days later.  Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Anthem that your policy has been approved and is in force.

Your earliest possible effective date will be the day after Anthem has received all the necessary documents and information needed to process your application.

HSA Administrators

You may set up your health savings account with any qualified HSA trustee or administrator, regardless from which insurance company your purchase your HSA-qualified health insurance.  We recommend that you set up your HSA separate from your health insurance, and choose an administrator from our HSA administrator page. 

Anthem Blue Cross and Blue Shield has chosen JPMorgan Chase to be their administrator of choice...

If you would like to set up your health savings account with JPMorgan Chase, you may submit your HSA application together with your health plan application.  The Anthem-sponsored JPMorgan Chase HSA has the following fees:

  • Account set-up fee:  $20.00 one time
  • HSA administration fee:  $3.00 per month
  • ATM usage fee:  $1.00 per transaction
  • Check book issuance (if requested):  $9.95 per check book
  • Convenience check fee:  $0.25 per check processed
  • Duplicate check fee:  $10.00 per duplicate check
  • Account closing fee:  $20.00

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About Blue Cross Blue Shield of Indiana

The company known today as Anthem is the outgrowth of two Indianapolis-based corporations formed in 1944 and 1946 as mutual insurance companies.  Those two companies were created to provide health insurance to residents of Indiana as Blue Cross Blue Shield of Indiana.  In the mid-1980s, Blue Cross and Blue Shield of Indiana began to diversify and expand, primarily through Blue Cross and Blue Shield mergers and acquisitions.  The Anthem Blue Cross and Blue Shield companies are independent licensees of the Blue Cross and Blue Shield Association and currently serve more than 12.6 million customers in nine different states.

Anthem is listed on the New York Stock Exchange under the trading symbol ATH, and is the fifth largest publicly traded health benefits company in the United States.

Anthem Blue Cross Blue Shield of Indiana has been assigned a rating of "A" (Excellent) from the A.M. Best Company, an independent insurance rating organization.

HSA for America is an independent authorized Anthem Blue Cross Blue Shield of Indiana agent.

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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.