Anthem Blue Cross and Blue Shield of Colorado

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Plans Available: Blue Preferred Right Plan PPO 40 Tonik Lumenos HSA, HIA, HIA Plus SmartSense	Brochures: Blue Preferred Brochure Right Plan PPO 40 Brochure Tonik Brochure Lumenos Brochure SmartSense Brochure
Features: $500 First Dollar Supplemental Accident benefit included with Blue Preferred and Lumenos Plans Optional Dental Insurance Optional Life Insurance Office Visit Copay - Blue Preferred, Right Plan PPO 40, Tonik, & SmartSense Rx Copay - Blue Preferred, Right Plan PPO 40, Tonik, & SmartSense My Anthem Anthem Care Comparison	Online Quotes / Applications: Anthem BCBS - Free, Instant Quotes Anthem BCBS Online Application Tonik Online Application Anthem BCBS Paper Application View the Doctor Directory: Anthem BCBS Physician and Hospital Directory

Blue Preferred

Blue  Preferred is Anthem's "Top of the Line", full coverage healthplan.  This health insurance plan offers the most similar benefits as those one might recieve via an employer sponsored healthplan.  However, this plan does not offer a maximum family out of pocket, so it is not ideal for large families.  Benefits include:

• A low office visit copay of $25.
• A prescription drug card with copays of $15 for generics, $45 for brand name, and $60 for non-preferred brand name drugs.  Other than for diabetes, self-injectable drugs are not covered on this healthplan.
• Adult preventive care:
  • One annual pap test:  $25 copayment for office visit and $75 maximum payment for laboratory test.
  • Mammogram screening and prostate screening, which are not subject to deductible or coinsurance.
• Child preventive care is covered at 80%, and it is not subject to the plan deductible.
• First dollar accident coverage: $500 first dollar coverage per person/per accident.
• The per person lifetime maximum benefit on the Blue Preferred Plan is $2 million.
• See Blue Preferred Brochure.
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Right Plan PPO 40

The Right Plan PPO 40 is ideal for those wanting simple, immediate benefits with no medical deductible.  You pay a simple, $40 copay for routine, doctor's office visits.  This personal health plan is available to individuals only; not families.  Benefits include:

• $40 office visit copay.
• Generic prescription drugs are covered under a $10 copay.
• Brand name prescription drugs:  $500 separate deductible, THEN a $30 copay for formulary drugs, a 50% coinsurance for non-formulary drugs, and a 30% coinsurance for self-administered injectables.
• Adult preventive care :
  • One annual pap test: You pay $40 copayment for office visit plus 40% coinsurance
  • Anthem pays a maximum of $75 for lab test.
• Child preventive care:
  • You pay $40 copayment for office visit PLUS 40% coinsurance for age-appropriate visits and immunizations.
• $100 copay for ambulance and air transport with no maximum limit.
• $3500 out of pocket limit. (excludes office visit and Rx copayments)
• The lifetime maximum on the Right Plan PPO 40 is $5 million. 
• See Right Plan PPO 40 Brochure.
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Tonik

Tonik health insurance is primarily marketed to healthy individuals between the ages of 19 and 29 years of age.  To qualify for the Tonik plan, you must be in perfect health with no pre-existing or ongoing health conditions.  Tonik's benefits include:

• 100% coverage after deductible.
• ER coverage under a $100 copay.
• Preventive dental and vision care. 
• The office visit copay will vary, depending on the plan option that is chosen.
• Prescription drug copay card. 
• Click Here for more details about Tonik.
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Lumenos

The Anthem Lumenos Consumer-Driven and HSA compatible health plans provide coverage after an individual or family deductible is met.  All services apply towards the plan deductible, at a discounted rate with in-network providers, until the plan deductible is met, at which time, coverage begins. The only services that are not subject to the plan deductible are preventive care services.  Lumenos plans offer the most comprehensive preventive care coverage in the marketplace.  Preventive Care is not subject to the plan deductible AND is covered at your chosen co-insurance level (80% or 100%).  Preventive care includes:

• Physical Examinations
• Immunizations
• Eye Chart Vision Screening
• Hearing Screening
• Cholesterol and Lipid Level Screening
• Blood Glucose test to Screen for Type II Diabetes
• Prostate Cancer Screenings
• Breast Exam and Mammography Screening
• Pelvic Exam and Pap Test
• Colonoscopy  (Based on the nationally recommended schedule)
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Lumenos plans include an HSA Compatible healthplan (HDHP), a health incentive account plan (HIA), and a health incentive account plus plan (HIA Plus).   See Lumenos Brochure.

SmartSense

The Anthem SmartSense plans are Anthem's newest product line, just released during the last quarter of 2008.  SmartSense offers reliable, basic protection at Anthem's lowest rates.  You choose the annual deductible/monthly rate combination that works for you.  This plan offers:

• Immediate benefits under a copay for the first three visits to a doctor.
• A choice of prescription drug benefits (Generic Only or Comprehensive). 
• This healthplan is ideal for large families, because the family deductible can be satisfied by 2 or more family members, and the annual out of pocket maximum includes deductibles, coinsurance and copays. 
• See the SmartSense Brochure.
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