Anthem Blue Cross Blue Shield SmartSense Plus
Plans: Premier Plan
(Click here to view all Anthem Plans available in Colorado)
Anthem Blue Cross Blue Shield has long been one of our most popular carriers. Their SmartSense Plus plan offers immediate benefits for doctor visits and prescription drugs, while still holding premiums down.
|Rate Information||PPO Network||Underwriting||Effective Dates||About Anthem BCBS|
SmartSense Plus gives you a choice of prescription drug benefits and immediate benefits for your first three doctor visits all at a low co-payment that works for you. You can choose a deductible of $1000, 2000, 3500, or 6000*. You have a $30 co-payment for your first three doctors visits**, after which you pay only 30% coinsurance on all professional services, inpatient and outpatient costs, emergency room services, preventive care services, and therapy costs. Following an out-of-pocket maximum of $3500*, you will be covered at 100% for the remainder of the year.
There are two options for prescription drug coverage, Generic and Comprehensive. The Generic Prescription Drug Plan covers only generic brands with a $15 copay or 40% coinsurance - whichever is greater. The Comprehensive Prescription Drug Plan has a $15 copay on both generic and brand-name prescription drugs, as well as a 40% coinsurance rate for all specialty prescriptions with a separate out-of-pocket maximum of $5,000. Taking a plan with just generic prescription coverage can save you up to 50% per month on your insurance premium.
* Dollar amounts listed are for individuals, family amounts are doubled.
** Allowed three visits per individual on plan.
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.
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. Search the National BlueCard Directory to find the providers that are in the Blue Cross network anywhere in the country.
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.
- Asthma, Allergies or Respiratory Disorders
- Heart Murmur or Mitral Valve Prolapse
- Mental (including Depression, Anxiety, Anorexia, and ADD)
- Seizure or Epilepsy
- Spine (including Neck and Back, or other Chiropractic Treatments)
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 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.
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.