What Does Lumenos Cover?
The Blue Cross Lumenos plan gives you more control over your healthcare. But being able to make your own healthcare decisions doesnýt do you much good if paying for them is difficult.
Thatýs why Lumenos gives you 100% coverage on many of the most common healthcare expenses once you meet your deductible. And preventive care is fully covered before you meet the deductible ý so staying on top of your health is affordable.
Comprehensive Coverage on Healthcare
Once you meet your deductible, the Lumenos plans will provide full coverage for:
- Visits to your doctor
- Inpatient hospital care
- Outpatient surgery
- Lab tests and X-rays
- Maternity care
- Emergency hospital services
- Mental health care
- Substance abuse services
- Chiropractic care
- In-home health and hospice care
- Physical, speech and occupational therapy
- Prescription drugs
Before youýve paid your deductible, Lumenos will give you 100% coverage on many preventive care services. For adults, these services include:
- Screening tests for coronary artery disease, colorectal cancer, prostate cancer, diabetes, and osteoporosis
- Mammograms, pelvic exams, Pap tests, and contraceptive management
- Immunizations for Hepatitis A and B, Diptheria, Tetanus, Pertussis (Whooping cough), Varicella (chicken pox), Influenza (flu shot), Pneumonia, and Human Papilloma Virus (HPV)
For children, covered preventive care services include:
- Screening tests for vision, hearing, and lead exposure
- Pelvic exams, Pap tests, and contraceptive management for females who are 18 years old, or have been sexually active
- Immunizations for mmunizations for Hepatitis A and B, Diptheria, Tetanus, Pertussis (Whooping cough), Varicella (chicken pox), Influenza (flu shot), Influenza type B, pneumonia, and Human Papilloma Virus (HPV), Polio, Measles, Mumps, and Rubella
Remember: Lumenos covers these services before youýve met your deductible.
The deductible on a Lumenos plan ranges from $1,500 ý $5,000 for individuals, and $3,000 ý $10,000 on family plans. After you've paid your deductible, you'll enjoy 100% coverage when you receive care from any of the 50,000 doctors and hospitals in the Blue Cross network.
Even before youýve met your deductible, you'll save money as a Blue Cross member. Because Blue Cross negotiates for lower fees with care providers, your cost is substantially less than the doctor or hospital would normally charge. And with Lumenos you'll have healthcare funds to help pay for those those costs.
- With the Lumenos HSA Plan, you'll get a Health Savings Account to help you pay for your healthcare. Any money you deposit in your HSA reduces your taxable income ý so you pay less in taxes. You can use the money in your HSA for almost any health-related expense.
- With the Lumenos HIA Plan,Blue Cross will give you money to spend on healthcare when you take advantage of weight management, smoking cessation, and other wellness programs.
- With the Lumenos HIA Plus Plan, Blue Cross will give you an extra $500 a year ($1,000 if you're enrolled in a family plan) to spend on healthcare. Youýll also get rewarded when you participate in wellness programs.
Find out which Lumenos plan makes the most sense for you. Get free online quotes, and start comparing your options now. |
