About Anthem PPO Health Insurance

Save

Anthem Blue Cross and Blue Shield offers Preferred Provider Organization (PPO) health plans for individuals and families. Blue Cross and Blue Shield define PPOs as "an arrangement designed to supply health care services at a discounted cost by providing incentives for members to use designated health providers." Unlike Health Maintenance Organizations, or HMOs, those enrolled in PPOs may also receive coverage for services provided by health care professionals who are not in the particular PPO network.

States

Anthem Blue Cross and Blue Shield PPO plans are available in California, New York, Colorado, Georgia, Nevada, Missouri, Ohio, Indiana, Connecticut, Kentucky, Virginia, Wisconsin, New Hampshire and Maine. In certain states, the company may do business under a different name, such as Empire State Blue Cross and Blue Shield in New York State.

Individual Short-Term PPO Plans

Anthem Blue Cross and Blue Shield offers individual short-term PPO plans, designed for those beginning new employment with a waiting period before becoming eligible for their employer's health care plan. In 2011, the short-term PPO plan offers deductibles ranging from $200 to $2,500, with coverage varying from one to six months. Due to the limited time period, past health conditions are ineligible for coverage. Only those health conditions beginning during the coverage period are eligible.

Lumenos Plans

Anthem calls its Lumenos Plans "the future of health care coverage." These plans emphasize preventative care, and exams and screenings do not incur deductibles. Consumers may choose from the Lumenos Health Savings Account (HSA) plan, funded through tax-advantaged contributions. Federal tax does not need to be paid on these contributions as long as money is spent only on health care. The Lumenos Health Incentive Account is also funded by reward credits, which add money to the HSA accounts for completing Anthem programs such as Healthy Weight and Tobacco-Free. The HIA Plus Plan includes quarterly contributions by Anthem.

Individual PPO Plans

Anthem offers several regular individual PPO plans for members. The ClearProtection Plan features a choice of deductibles and monthly payment plans, including prescription drug coverage but excluding maternity benefits. The Premier Plan, designed for families with young children, also includes preventative care coverage. The PPO Share Plan, also recommended for families, include prescription drug coverage and offers maternity coverage. SmartSense offers lower-monthly rates based on choice of deductibles. Younger consumers may prefer the no-frills Tonik plan. The RightPlan PPO40 has no deductibles, and co-pays for doctors office visits are $40 as of 2011.

Related Searches

References

Promoted By Zergnet

Comments

You May Also Like

  • What Is a PPO?

    A PPO is a Preferred Provider Organization within the framework of the managed care health insurance industry. A PPO is a group...

  • The Difference Between HMO, EPO & PPO

    Choosing a health care plan is an important decision that is confusing for lots of people. The U.S. Bureau of Labor Statistics...

  • How to Get a Tummy Tuck Approved by Insurance

    To many people, the idea of getting a tummy tuck sounds wonderful, but it can be very expensive. Since most health insurance...

  • How to Find a Doctor With Anthem Insurance

    Anthem Blue Cross Blue Shield (www.anthem.com) makes it easy for its members to search for doctors and/or facilities that are part of...

  • How do I Use Anthem Medical Care Overseas?

    Anthem Blue Cross Blue Shield offers overseas care for many of its policyholders. The best way to take full advantage of these...

  • HMO Vs PPO Vs EPO

    Many Americans are presented with health insurance options to consider during a prescribed annual "open enrollment" period as designated by employers and...

  • HMO Vs. PPO Cost

    Two of the most popular types of health insurance are HMO and PPO plans. The two are similar in most respects, but...

Related Searches

Check It Out

Are You Really Getting A Deal From Discount Stores?

M
Is DIY in your DNA? Become part of our maker community.
Submit Your Work!