Introducing Lumenos…
A New Consumer-Directed Health Plan from Blue Cross of California
Shouldn't you be in charge of your healthcare decisions?
Now you can be. The new Lumenos plans from Blue Cross of California give you control over your healthcare. That means you control where your healthcare dollars go. Nothing comes between you and your doctor. And with the Lumenos Health Incentive Account plan, Blue Cross will actually reward you for making healthy decisions.
Lumenos is a consumer-directed health plan. That means that instead of relying on your insurance company to make health decisions for you, you and your doctor are in control of your healthcare.
Lumenos Plans At-A-Glance
California residents can enroll in one of three Lumenos plans:
- Lumenos HSA — This Health Savings Account plan lets you save tax-free money to pay for your healthcare. And as long as you spend your HSA funds on qualified medical expenses, you won’t pay taxes on the withdrawals, either. Your money earns interest, and any funds you don't spend at the end of the year will carry over to your account for the next year.
- Lumenos HIA — The Lumenos Health Incentive Account plan gives you a Blue Cross-sponsored account to help pay for your healthcare. Funds are added to your account by Blue Cross as a reward for participating in wellness programs, such as their weight management program.
- Lumenos HIA Plus — The Health Incentive Account Plus plan also rewards you for healthy decisions, but adds an extra benefit. When you enroll in this plan, Blue Cross will add an extra $500 a year to your account ($1,000 for families). The extra money is contributed to your account every 3 months.
Once you meet your deductible, the Lumenos plans include 100% coverage for many healthcare needs, including visits to your doctor, inpatient hospital services, prescription drugs, and maternity care.
And like all health plans from Blue Cross of California, the Lumenos plans include access to the award-winning Blue Cross health management website. If you have health questions, the Nurse Advice Line is just a phone call away — and available 24 hours day. And the Personal Health Coach Program will give you assistance managing your special health needs.
Which Lumenos plan will work best for you? Get free online quotes now and find out. Just tell us a little about yourself, and we'll match you with the right plan. |
