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Lumenos HSA
Lumenos HSA plan brochure
When you enroll in the Lumenos HSA plan, you'll get:
Health Savings Account (HSA). An account funded by your tax-free contributions to use on qualified medical expenses and prescriptions. Others may also contribute to your HSA. Qualified medical expenses are defined by Internal Revenue Code Section 213(d).
. You may use available HSA funds first to pay the cost of 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.
. Plus, get 100% coverage for nationally recommended preventive care services with no deduction from your HSA and no 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 after you have met your plan's annual deductible.
. Traditional Health Coverage begins after you have used your HSA balance (if you choose to use HSA funds to pay for covered services) and paid a limited amount out-of-pocket – called your Bridge – needed to satisfy your plan’s annual deductible.
. Your total expenses are limited to a maximum amount 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 and 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.
The above information does not constitute legal, tax, or benefit plan design advice. Anthem strongly encourages consultation with a tax advisor before establishing a Health Savings Account. Any Health Savings Account will be established between the individual account holder and the HSA custodian or trustee. Anthem is responsible for the administration of the health plan, and the custodian is responsible for the administration of the HSA.
For custom rate quote based on your specific information on Lumenos HSA plans Click here.