It's your health and your money.  With all of Blue Cross' Lumenos plans, you can control a portion of the dollars you spend on your health.  And if you don't spend them all this year, you can save them for future years.

No one should get between you and your doctor.  Health care is personal and there's nothing more basic than the patient-physician relationship.  So with our Lumenos plans, you choose your doctor and there are no referrals needed.  Plus, you have access to thousands of providers and hospitals that participate in the BlueCard PPO nationwide network.

Your health plan should make it easy for you to do the right things for your health.  Our award-winning online health site has tools to help manage your health and your health care dollars.  And we offer personalized services like a 24-Hour Nurse Advice Line to answer your basic health questions.  And the Personal Health Coach Program, which provides one-on-one assistance for consumers managing a health condition.  Specially trained nurses help you learn about treatment options, self-care and lifestyle changes that can help maximize your health. 

Lumenos HSA, HIA, and HIA Plus Plans for Individuals and Families (these are in-network benefits only.  Out of network benefits will cost you more)

Our Lumenos Plans offers:
100% coverage for nationally recommended preventative care services (including annual physicals) when you see an in-network provider.
Traditional health coverage to help cover additional health care expenses
Deductible is waived for preventative services

Lumenos HSA Compatible Plans
With the Blue Cross Lumenos HSA plan, you have the ability to save tax-free dollars in an account.  You'll get:
A Health Savings Account (HSA) that you fund with pre- or post-tax dollars.  You can use the HSA to help pay for medical care and prescriptions, and other eligible expenses.

Lumenos HIA Plans
With the Blue Cross Lumenos HIA plan, you have the ability to use funds allocated to an account set up for you to help pay for your medical care and prescriptions.  You'll get
A Health Incentive Account (HIA) funded entirely by Healthy Rewards incentives that you can earn - helps pay the cost of your medical care and prescription drugs.

Lumenos HIA Plus Plans
The Blue Cross Lumenos HIA Plus plan allows you to use funds allocated to an account set up for you to pay for your medical care and prescriptions.  You'll get:

A Health Incentive Account (HIA) funded by the health plan - helps pay the cost of your medical care and prescriptions drugs.
Plus you can earn additional dollars in your account with Healthy Rewards incentives.
Unused HIA funds roll over to the next year - there is no limit on the amount you can carry over.

Healthy Rewards Incentives
HIA and HIA Plus plans provide you with health care dollars for:

Completing health risk assessment = $50
Joining health coach program (if qualified) = $100
Graduating from the health coach program (if applicable) = $100
Completing tobacco cessation program = $50
Completing weight management program (if qualified) = $50

Traditional Health Coverage includes 100% coverage for things like:

Physician Office Visits
Inpatient Hospital Services
Outpatient Surgery Services
Diagnostic X-rays/Lab Tests
Maternity Care
Emergency Hospital Services
Inpatient and Outpatient Mental Health and Substance Abuse Services
Chiropractic Care
Home Health Care and Hospice Care
Physical, Speech and Occupational Therapy Services
Prescription Drugs

The plan's annual deductible must be satisfied before traditional health coverage begins.