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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 atColoHealth
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).
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.
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.
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.
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.
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.
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.
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