Lumenos is a new health insurance plan offered by BC Life and Health, an affiliate of Blue Cross of California.
Another new health insurance plan? This one is different.
Lumenos is a consumer-directed health plan, or CDHP. Consumer-directed health plans put you in charge of making many healthcare decisions. More of the money that pays for healthcare is put in your hands, so you can decide what to spend it on.
With the Lumenos plans, you can choose how you want to manage your healthcare dollars. Choose a Health Savings Account plan to save money tax-free. Or choose a Health Incentive Account to have Blue Cross help fund your healthcare expenses. With the Lumenos HIA plans, you’ll be rewarded with healthcare dollars when you participate in selected wellness programs.
When you enroll in the HIA Plus plan, Blue Cross will automatically contribute $500 a year to your account, or $1,000, if it’s a family plan.
In a nutshell, having a consumer-directed health plan means you’re in control of your healthcare. It means you don’t have to turn to your insurance company for approval every time you need to see a doctor or get a prescription filled. And it means that you get rewarded for making healthy decisions.
Your Healthcare Decisions – Backed By Comprehensive Coverage
Lumenos takes the consumer-directed healthcare model and combines it with comprehensive coverage. You get control over health decisions, and you get generous benefits that pay 100% of all covered care. And preventive care is fully covered before you’ve paid your deductible.
Once you meet your plan’s deductible, you’ll enjoy “Traditional Health Coverage.” This means you get full coverage on the most common healthcare needs, including physician services, hospital services, maternity care, and prescription drugs.
Besides these great benefits, you get the security of knowing you have access to thousands of qualified doctors and hospitals all over the country with the BlueCard PPO nationwide network.
Which Lumenos plan will work best for you? Get free online quotes and find out in less than 60 seconds.