Wouldn’t it be great if there was an insurance plan that actually rewarded you for making healthy decisions? There is. The Lumenos Health Incentive Account, or HIA, puts you and your doctor in control of your health care decisions and Anthem Blue Cross will put money in your account when you complete programs designed to make you healthier
The Lumenos HIA plan is one in the family of consumer-driven health plans offered by BC Life & Health Insurance Company. Consumer-driven health plans are designed to educate you about health care options and empower you to take control of your health, as well as the dollars you spend on your care. With the Lumenos HIA plan, you can earn health care dollars for your Health Incentive Account (HIA) by taking steps that can help you achieve your health potential. The dollars you earn in your HIA are available for you to help reduce your out-of-pocket expenses under the plan.
The plan also includes a Traditional Health Coverage component – similar to a typical health plan – which helps protect you against further health care expenses. In addition, the Lumenos HIA provides access to personalized health services and online tools to help you manage your health, health decisions and health care dollars.
HIA Plan Highlights
Get Healthy Rewards* – money added to your account:
*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
PERSONALIZED TOOLS AND SERVICES
There are two other types of Lumenos plans available: the Lumenos HSA and the Lumenos HIA Plus . The Lumenos HSA Plan has a tax-advantaged Health Savings Account. The HIA Plus Plan works like the regular HIA Plan except by having slightly higher deductible, Anthem Blue Cross adds an extra $500 a year to your account.