Blue Cross of California hit the nail right on the head with their release of the Lumenos plans. These plans speak directly to the healthy individual who seeks an affordable monthly premium with great catastrophic protection.Preventative care is covered at no charge (provided you see an in-network-provider) making this an ideal option for the individual who rarely sees a doctor but 1-2 times a year. This means you incur no cost for procedures such as annual physical exams (for women this includes pap and mammogram). You can also purchase the Lumenos plans with or without maternity making it flexible for either gender’s needs.
These plans are HSA compatible. With an HSA (Health Savings Account) you can make tax deductible contributions to your account, and withdraw the money tax-free to pay for qualified medical expenses, including prescription drugs. An HSA will help you budget for medical expenses and not be taxed on your savings if you choose to fund them. Please take a look at my post on HSAs to get the full scoop on how they can benefit you.
Lumenos deductible options
- 1500 (3000 family)
- 3000 (6000 family)
- 5000 (10,000 family)
If you would like more detailed information on the Blue Cross Lumenos Plans (including rates) please feel free to contact me!
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