Anthem Lumenos HSA
Anthem Lumenos HSA plans allow you to take control of your health and health care savings.
Welcome to the future of Health Care Coverage! Our Lumenos Health Insurance Plans.
- Give you the ability to manage and control your health care dollars.
- Are designed to help you lower your out of pocket health expenses while improving your health and wellbeing.
- Focus on preventive care with no deductible for things like physical exams and health screenings.
And don’t forget the Dental plan for yourself and family.
How do these (HSA) things work?
Health Savings Account (HSA)
- An account funded by your tax free contributions to use on qualified medical expenses and prescriptions. Other may also contribute to your HSA. Qualified medical expenses are described by Internal Revenue Code Section 213(d).
- You may use available HSA funds to pay the cost of covered medical and prescriptions.
- Unused funds roll over year to year.
- Unlimited choice of Doctors and Hospitals. If you see a network provider you may pay less for your care.
- Plus, get 100% coverage for nationally recommended preventive care services with no deduction to your HSA, and no out of pocket costs to you if you see a network provider. Such as: Preventive physical exams, immunizations and screening tests including the following: Eye chart vision screening, hearing screening, screening for lead exposure, breast and mammography screenings, pelvic exam and Pap test, cholesterol and lipit level screening and blood glucose test to screen for Type II diabetes.
Triple Tax Benefits: The deposits are Tax Qualified, the funds in the HSA grow Tax Deferred, and when you use the funds for qualified medical expenses, they are Tax Free.
Our Lumenos plans are for people who want to take more contraol of their health care and expenses. Does that sound like you?
Traditional Health Coverage.
A comprehensive health plan providing added protection for you and your family after you have met your plan deductible.
- Traditional health coverage begins after you have used your HSA balance (if you choose to) and paid a limited amount out of pocket called your Bridge - needed to satisfy your plans annual deductible.
- Your total expenses are limited to a maximum amount each year, after which you receive 100% protection for covered services.
Your HSA
Interest and Investments: You will earn interest on your HSA funds, and will also have the opportunity to invest your funds. Investment options include; mutual funds, cash, or money market.
Debit Cards and Checkbook: Use your debit card or checkbook to pay your healthcare provider directly for eligible medical expenses, or to access cash from your account.
How the Anthem Blue Cross Lumenos plans work:
- Preventive Care: 100% coverage for nationally recommended preventive care services.
- Health Account: Health account to pay for medical care and prescriptions. Unused funds roll over from year to year. Triple Tax advantage!
- Out of Pocket “Bridge” to Traditional Health Coverage: Then use traditional health coverage, if needed. Health Account + Bridge = Annual Deductible.
- Traditional Health Insurance: This is the normal health insurance part.
I’m here to help, so please feel free to contact me anytime with your questions.
John Conner
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
Questions:
