| | | | |
|
Anthem
Blue Cross Blue Shield of Colorado (BCBS) is one of the most known
and trusted names in the health insurance industry. The A.M.
Best Company has given Anthem BCBS of Colorado a rating of "A"
(Excellent). Anthem BCBS plans are the most popular we offer.
|
Company:
|
| |
Plans:
|
BluePreferred
PPO - Lumenos HSA - Tonik
| |
**Currently
the most popular plans at ColoHealth
| |
Anthem Blue
Cross Blue Shield of Colorado offers five different plans:
| |
| | | | | |
- BluePreferred
- The BluePreferred PPO plan is a full-coverage plan that covers doctor
visits and prescription drugs with a low copay. This is the most popular
plan we offer at ColoHealth,
and the most comprehensive plan underwritten by Anthem Blue Cross Blue Shield
(outlined below).
- SmartSense
- A basic plan that offers protection for individuals and families at low monthly
rates and a deductible that gives members a choice.
- Lumenos
HSA - Health
Savings Accounts give you the opportunity to put tax-deductible money aside to
pay medical expenses, while also saving money on your health insurance.
We find that this can often cut your annual medical expenses in half.
The Anthem Lumenos HSA plan is our most
popular HSA plan.
- Lumenos
HIA - The
Lumenos HIA plan is very similar to the HSA plan, but with specific incentives
to encourage you to improve and maintain your health. Visit our Lumenos
HIA plans page for more complete details.
- Tonik
- This plan offers a great value for the young and healthy. It has office
visit co-pays of $20, $30, or $40, and includes coverage for generic drugs, dental,
and vision. It comes with deductible choices of $1,500, $3,000, or $5,000.
Visit our Tonik page for complete details.
- Right
Plan PPO 40
- Right Plan offers the most flexibility of any of the Anthem plans, allowing
you to decide how much, if any, coverage you would like for outpatient medications.
If you don't take (or expect to take) regular medication, you can select a plan
with no outpatient prescription coverage and lower your monthly premiums by as
much as 15%. Right Plan also has a plan that provides coverage for generic
medications only, saving you 5-7%, as well as a plan with comprehensive prescription
coverage. Visit our Right Plan PPO 40
page for complete details.
If
you're looking for a Blue Cross Blue Shield plan in a different state,
Click
Here. | | | | | | |
| |
| Note: | All
information below pertains to Anthem's BluePreferred PPO plans. Information
on Anthem's other plans can be found on the Lumenos
HSA page, the Tonik page, or the Right
Plan PPO 40 page. | BluePreferred
PPO | | |
|
| BluePreferred
at a Glance: | |  |
|
|
Deductible =>
|
|
Colorado BluePreferred
PPO for Individuals
| | |
|
In-Network
|
Out-of-
Network
|
In-Network
|
Out-of-
Network
|
In-Network
|
Out-of-
Network
|
In-Network
|
Out-of-
Network
| | |
|
Maximum
Benefit
Allowance
|
$2 Million
per Member
|
$2 Million
per Member
|
$2 Million
per Member
|
$2 Million
per Member
|
|
|
You pay
$25 copay for office visit only.
No deductible.
|
You pay
40% coinsurance
|
You pay
$25 copay for office visit only.
No deductible.
|
You pay
40% coinsurance
|
You pay
$25 copay for office visit only.
No deductible.
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
|
|
Prescription
card: You pay $15 copay on Formulary Generic Drugs, $40 copay on Formulary Brand-Name
Drugs and $60 copay on Non-Formulary Brand-Name Drugs.
No deductible.
|
Prescription
card: You pay $15 copay on Formulary Generic Drugs, $40 copay on Formulary Brand-Name
Drugs and $60 copay on Non-Formulary Brand-Name Drugs.
No deductible.
|
Prescription
card: You pay $15 copay on Formulary Generic Drugs, $40 copay on Formulary Brand-Name
Drugs and $60 copay on Non-Formulary Brand-Name Drugs.
No deductible.
|
Prescription
card: You pay $15 copay on Formulary Generic Drugs, $40 copay on Formulary Brand-Name
Drugs and $60 copay on Non-Formulary Brand-Name Drugs.
No deductible.
|
|
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
|
|
Adult services
not covered except for one annual pap test with $25 copay for office visit and
$75 for lab, mammogram screening benefit up to $75, and prostate screening benefit
up to $65.
|
Adult services
not covered except for one annual pap test with $25 copay for office visit and
$75 for lab, mammogram screening benefit up to $75, and prostate screening benefit
up to $65.
|
Adult services
not covered except for one annual pap test with $25 copay for office visit and
$75 for lab, mammogram screening benefit up to $75, and prostate screening benefit
up to $65.
|
Adult services
not covered except for one annual pap test for 80/60% after ded for office visit
and $75 for lab, mammogram screening benefit up to $75, and prostate screening
benefit up to $65.
|
|
|
You pay
20% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
40% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
20% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
40% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
20% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
40% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
20% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
You pay
40% Coinsurance.
Children services,
not subject to deductible
for age
appropriate visits and
immuni-
zations.
|
|
Inpatient
Hospital
Care
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
|
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
You pay
20% coinsurance
|
You pay
40% coinsurance
|
|
Vision
|
$25 office
visit copay
$25 materials copay
|
$25 office
visit copay
$25 materials copay
|
$25 office
visit copay
$25 materials copay
|
$25 office
visit copay
$25 materials copay
| |
| * | Children
services are not subject to deductible for age appropriate visits and routine
immunizations, and are subject to the coinsurance limits of your plan. Age
specific mammogram screening and prostate screening are covered and are not subject
to deductible or coinsurance. Maximum payment of $500 per year. |
This information
is presented only as a very brief overview of some of the benefits of this plan,
and is intended only for general education. The amount of benefits provided
depends on the plan selected. Premium will vary with the type of benefits selected.
These plans contain exclusions from and limitations of coverage. Please
see the product brochure for more complete information, as well as information
about terms of renew ability, preexisting conditions, out-of-network penalties,
and notification requirements. Plans are subject to health underwriting.
To be considered for reimbursement, expenses must qualify as covered expenses.
Expenses are also subject to reasonable and customary limits, unless you use
a network, and all other policy provisions, including determinations of medical
necessity.
| | | | | | |
Coverage
Synopsis:
Blue Cross
Blue Shield generally offers the best value for full coverage. This coverage
would provide you with hospitalization, doctor visits ($25 co-pay, with NO limits
on the number of covered visits), and prescription and vision coverage.
The prescription program offers you generic drugs for just $15, brand name drugs
for $40, and drugs that are not listed on the formulary list for a $60 co-payment.
There is also a $500 accident benefit that covers the first $500 for any accident
with a zero deductible. The vision coverage includes eye exams for a $25
co-pay, and lenses and frames for a $25 co-pay. The
coverage and rates are excellent, and they have what is probably the widest
PPO network in the state of Colorado. Complete details can be seen by
opening: You
can also refer to the chart above for a coverage overview.
Rate
Information:
Current rates
are available on our instant quote
page. The premium can be paid monthly, quarterly, semi-annual, or annual
billing, or a monthly bank draft. The bank draft will occur on either
the first or the sixteenth of each month. The initial premium can be paid with
a check, credit card, or bank draft.
PPO
Network:
Anthem gives
you access to one of the largest networks in Colorado, with nearly 8,500 health
care providers and over 60 hospitals throughout the state. Having access
to the PPO network can mean substantial discounts in what you pay for your health
care, even before you meet your deductible. The large list of doctors
and hospitals can be viewed at the Anthem
PPO Online Provider Directory. Make sure to choose the "BluePreferred
PPO" plan. Policyholders can go to Blue Cross doctors anywhere in
the country, and can even access a world-wide network.
Underwriting:
Anthem has
one of the easiest, most efficient underwriting teams in the industry. The
process is very fast if no medical records are needed. While it is always
a good idea to apply at least three weeks prior to the time you need your new
coverage to take effect, most applications that are done online are approved
by Anthem within 24 hours. If medical records must be ordered, the application
process will take longer. The
company does have the right to accept or decline any individual or family application.
If you are currently being treated for depression, anxiety, or high cholesterol,
please let us know before you apply so we can avoid unnecessary delays in getting
you covered. If you are being treated for high blood pressure, please
include your latest test results including blood pressure levels and cholesterol
readings. If you have certain conditions or take certain medications,
Anthem may offer coverage at a higher rate. For
an infant less than 6 months of age, Anthem requires nursery records from the
hospital where the infant was born, office records from the infant’s pediatrician,
and results of the newborn screening laboratory tests (available from the hospital
or pediatrician). Anyone
applying for Anthem coverage that has any of the following pre-existing conditions
also needs to complete the appropriate form and return it to our office via
fax (toll-free
866-284-0082)
as promptly as possible.
Effective
dates:
The coverage
can go into effect in as quickly as 24 hours, though you do risk being declined
if claims are submitted before the underwriting process is completed. You
may request an effective date any time the date after you sign the application
and 60 days later. Please note that you will be billed starting on your
requested effective date, even if you have not yet been notified that you have
been approved. This is very good for someone who does not have any present
coverage and would like for their benefits to begin right away. For those
who are already covered, it is suggested that you maintain your current coverage
in force until you have received notice from either ColoHealth.Com
or directly from Anthem that
your coverage has been approved and is in force. Your
earliest possible effective date will be the day after Anthem has received all
the necessary documents and information needed to process your application.
About
Anthem Blue Cross Blue Shield:
The company
known today as Anthem is the outgrowth of two Indianapolis-based corporations
formed in 1944 and 1946 as mutual insurance companies. Those two companies
were created to provide health insurance to residents of Indiana as Blue Cross
of Indiana and Blue Shield of Indiana. As
the health care industry began rapidly consolidating In the mid-1980s, Blue
Cross and Blue Shield of Indiana began to diversify and expand, primarily through
Blue Cross and Blue Shield mergers and acquisitions. Now going by the
name Anthem Blue Cross and Blue Shield, they underwrite some of the most popular
plans we offer at ColoHealth. The
Anthem Blue Cross and Blue Shield companies are independent licensees of the
Blue Cross and Blue Shield Association and currently serves more than 12.6 million
customers in nine different states. Anthem
Blue Cross Blue Shield has been assigned a rating of "A" (Excellent)
from the A.M.
Best Company, an independent insurance rating organization. ColoHealth
is an independent authorized Anthem Blue Cross Blue Shield agent in Colorado.
"Bob
Daley is a great guy and really knows his stuff."
I've
already referred several people to your site. Bob Daley is a great guy
and really knows his stuff. He was extremely helpful. Thanks
for the information and the answers to my questions. You provide
quick, but knowledgeable and understandable answers. That is getting to
be extremely unusual on the internet. Joseph
Bernat
Grand Junction, CO Read
More...
|
| | | |
 | | | | | | | | | | | | | | | | |
|
