Anthem Blue Cross and Blue Shield - Plan Descriptions
Anthem Blue Cross and Blue Shield has one the largest networks in the state with over 6,500 health care providers and 80 hospitals. They offer health plans that can be customized for individuals, children, and families that include consumer-driven plans, Health Savings Accounts, and short-term medical plans. The different plans are described below
BluePreferred PPO
| BluePreferred PPO |
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Our Rating: 
BluePreferred PPO provides the most extensive benefits of any individual health insurance plan offered by Anthem Blue Cross and Blue Shield of Colorado. It features a high level of benefits usually found only in employer-sponsored group health plans. BluePreferred PPO Plan highlights include:
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- Access to the larget PPO network in Colorado
- $25 office visit copayment
- Prescription drug co-payment card for generic and brand name drugs
- Vision coverage
- $2,000,000 lifetime maximum
SmartSense Plan
| SmartSense Plan |
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Our Rating: 
The new SmartSense plans offer solid coverage for essential health care services at some of our lowest monthly rates. You can choose from a wide range of deductibles and pricing options designed to be affordable. SmartSense offers immediate benefits with simple copays for the first three doctor visits (so you don’t have to meet your plan’s deductible first). Includes your choice of comprehensive or generic-only prescription drug coverage.
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Other plan highlights include:
- Immediate benefits for the first 3 doctor visits
- Choice of prescription drug benefits. Choose from brand name/generic or generic-only coverage to reduce your out-of-pocket drug costs
- Out-of-state coverage
- $7,000,000 lifetime maximum
Lumenos HSA 100% Coinsurance Plans
| Lumenos HSA 100% |
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Our Rating:
Lumenos HSA 100% Plans are a health savings account (HSA) compatible plans 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 Colorado.
Lumenos HSA 100% highlights include:
| Lumenos HSA 100% Deductibles |
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- Access to BlueCare PPO nationwide network
- 100% coverage for extensive preventive care services without a deductible
- 100% coverage after satisfaction of deductible
Lumenos HSA 70% Coinsurance Plan
| Lumenos HSA 70% |
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Our Rating: 
The Lumenos HSA 70% Plan is a health savings account (HSA) compatible plan that provides generous, comprehensive benefits after the deductible is satisfied. It features a lower deductible than the Lumenos HSA 100% Plan of $1500 single / $3000 family.
Lumenos HSA 70% highlights include:
| Lumenos HSA 70% Deductibles |
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- Access to BlueCare PPO nationwide network
- 100% coverage for extensive preventive care services without a deductible
- 70% coverage after satisfaction of deductible
- Competitive pricing
Lumenos HIA Plan
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Our Rating: 
The Lumenos Health Incentive Account (HIA) Plan is similar to the Lumenos HSA Plan, 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). However, the HIA plans are not HSA-compatible, meaning you could not open an HSA account and receive any tax-advantages.
| HIA 100% Plan Deductibles |
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Some of the activities Anthem provides financial incentives for include:
- Completing an Online Health Assessment ($50)
- Participating in a personal health coach program ($200)
- Completing a Smoking Cessation Program ($50)
- Completing a Weight Management Program ($50)
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Other HIA Plan highlights include:
- Access to BlueCare nationwide PPO network
- 100% coverage for extensive preventive care services without a deductible
- 100% coverage after satisfaction of deductible for $2500 individual / $5000 family and $5000 individual / $10,000 family deductible plan
- 70% coverage after satisfaction of deductible for $1500 individual / $3,000 family deductible plan<
Lumenos Health Incentive Account (HIA) Plus Plan
| HIA Plus Plan |
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Our Rating:
Like the Lumenos HIA Plan, the HIA Plus Plan gives you an account to pay for any covered medical expenses and prescriptions you choose and earn credits through the reward program. The only difference between the HIA and HIA Plus plan is the HIA Plus Plan includes an additional annual account allocation $500 per individual or $1,000 per family policy and any unused amount also rollsover each year.
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Other HIA Plus Plan highlights include:
- Access to BlueCare nationwide PPO network
- 100% coverage for extensive preventive care services without a deductible
- 100% coverage after satisfaction of deductible