Anthem Blue Cross Lumenos Hsa health Plans

Blue Cross Health Insurance Plans - Anthem Blue Cross Lumenos Hsa health Plans

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What you need to know about the Anthem Blue Cross Lumenos Hsa plans, and health Savings Accounts.

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Blue Cross Health Insurance Plans

Anthem Blue Cross Lumenos Hsa plans offer you a way to pay less for insurance, cut taxes, access high quality health benefits, and save for time to come healing expenses with a health Savings inventory (Hsa). Hsa plans work with higher deductible health plans that cut monthly guarnatee costs. Instead of paying guarnatee companies for benefits that often times aren't used, you pay less each month and can make tax deductible contributions into an Hsa that can be used for healing expenses or earn interest Tax-Free until you retire (2010 offering maximums are ,050 for individuals or ,950 for families).

Increasingly, individuals and families are inspecting Lumenos health guarnatee policies with higher deductibles than primary policies. Sometimes, employers are request their employees to enroll in these plans, whether as an choice or the only health guarnatee plan ready to employees.

In 2003, federal legislation removed the limitations on Msas (Medical Savings Accounts),and re-named them "Health Savings Accounts." Hsas are now ready to any private or family with Hsa-qualified health insurance. There are no limitations on who may have an Hsa based on income or employment status. However, dependent children may not have their own Hsa accounts but may be covered by the Hsa of their parents. In December, 2006, additional changes were made to the Hsa agenda that allowed for increased inventory funding opportunities.

2010 Hsa Limits: The Treasury branch and Irs issued new guidance on the maximum offering levels for health Savings Accounts (Hsas) and out-of-pocket spending limits for High Deductible health Plans (Hdhps) that must be used with health Savings Accounts (Hsa). These amounts have been indexed for cost-of-living adjustments for 2010.

The new 2010 levels are as follows:

- Individual: ,050
- Family: ,950

Changes in Plan limits: The maximum every year out-of-pocket whole for private High Deductible Helath Plan (Hdhp) coverage increases to ,950 and the maximum every year out-of-pocket whole for Hdhp family coverage is twice that, ,900. Minimum Deductible Amounts for Hsa-Compatible Hdhps for 2010 is ,200 for private coverage and ,400 for family coverage.

Additional Lumenos benefits:

- Allowing citizen to take their health savings accounts with them if they move from job to job.
- Raising offering limits and allowing for a one time transfers from Ira accounts.
- Allowing a offering up to an every year limit of ,050, regardless of the deductible for their guarnatee plan.

Lumenos Hsa plans have some of the industries most uncut preventive care services, which happen to be covered at 100% before your deductible.

Preventive Care covered at 100% · Eye chart vision screening (Full vision exams not included) · Hearing screening · Cholesterol and Lipid screening · Blood Glucose test to screen for Type Ii Diabetes · Prostate Cancer screenings (Psa test) · Breast exam and Mammography screening · Pelvic exam, Pap test and contraceptive administration for females · Screening for Sexually Transmitted diseases (Std) · Hiv test · Bone Density test for osteoporosis · Colorectal Cancer screening, Barium Enema, Flexible Sigmoidoscopy and screening Colonoscopy · routine Blood and urine screenings

Immunizations: · Hepatitis A · Hepatitis B · Tetanus, Diphtheria (Td) · Varicella (chicken pox) · Influenza (flu shot) · Pneumococcal Conjugate (pneumonia) · Humana Papilloma Virus (Hpv) · Measles, Mumps, Rubella (Mmr) · Meningococcal Polysaccharide · Herpes Zoster (shingles)

Anthem Lumenos health plans are a great choice if you are seeing for an Hsa distinguished health plan. Taste an independent authorized agent for more details.

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