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PPO - The Lumenos HIA
The Lumenos HIA plan brochure
When you enroll in the Lumenos HIA plan, you'll get:
Health Incentive Account (HIA)
Earn Healthy Rewards dollars in your HIA to use on covered medical expenses and prescriptions.
Use available HIA funds first to pay for covered medical expenses and prescriptions.
Unused funds rollover year-to-year.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Earn Healthy Rewards* - money added to your account:
$50 for completing the Health Assessment
$100 for enrolling in the Personal Health Coach program
$100 for graduating from the Personal Health Coach program
$50 for completing the Smoking Cessation program
$50 for completing the Weight Management program
*Some eligibility requirements and limitations may apply for programs and incentives.
Plus, get 100% coverage for nationally recommended preventive care services with no deduction from your HIA or out-of-pocket costs to you if you see an in-network provider.
Traditional Health Coverage
A comprehensive health plan providing added protection for you and your family.
Traditional Health Coverage begins after you have used all HIA funds available, and paid a limited amount out-of-pocket - called your Bridge - needed to satisfy your plan's annual deductible.
Your out-of-pocket expenses are limited to a maximum each year, after which you receive 100% protection for covered services.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Personalized Services and Tools
We provide you with online tools and personalized resources to help you live a healthier life.
Use our ProviderFinder online directory to find doctors and hospitals that participate in our network.
Find tools to help you stay healthy, manage a health condition or prepare for a surgical procedure. Also make comparisons on quality and find cost information for medical services and prescription drugs.
Track your account activity, claims and benefits.
Get personalized help managing a condition from a Personal Health Coach if you qualify.
Talk to registered nurses about minor health concerns on our 24-Hour Nurse Advice Line.
For custom rate quote based on your specific information on The Lumenos HIA Click here.