Anthem, Inc. was initially formed from two Indianapolis-based corporations in the mid-1940s as mutual insurance companies. These companies began as Blue Cross of Indiana® and Blue Shield of Indiana®, which merged to become Blue Cross Blue Shield of Indiana®. In the early 2000s, Anthem demutualized, was purchased by WellPoint Health Networks, and the companies merged to form WellPoint, Inc in 2004. Now the nation’s leading health benefits administrator, WellPoint offers Anthem Blue Cross and Blue Shield plans on the individual, group, state-sponsored, and Federal Employee Program markets.
Anthem Blue Cross and Blue Shield in Indiana® is the trade name of Anthem Insurance Companies, Inc., an independent licensee of the Blue Cross Blue Shield Association®. Anthem health insurance plans include individual and family coverage, businesses of all sizes, seniors, group life and disability, dental and vision, behavioral health and specialty pharmacy, and a wellness program to keep group plan members healthy.
With its beginnings in Indiana’s capital, Anthem offers individuals and families in Indiana a small but sufficient portfolio of products. The company is accredited by URAC in Health Utilization Management, a set of standards ensuring that medical necessity is met, specialty organizations for specific health needs are in place, and patient privacy is respected, among other criteria.
Caroline Ehrenthal is an Authorized Agent for Anthem Blue Cross and Blue Shield of Indiana.
Anthem Individual Plans in Indiana
Anthem’s largest amount of coverage in Indiana comes from Premier Plus plans. If you want unlimited access to a doctor or specialist, prescription benefits, or coverage for hospital care, none of these have to be compromised. With predictable copayments prior to reaching your deductible on common services and 80/20 or 100 percent coverage after deductible for major medical services, this is one of the top comprehensive plans in Indiana. A wide range of deductibles is offered, from $500 to $10,000.
Pay less each month while receiving a variety of necessary benefits, including your first three doctor’s office visits for a $35 copay. After meeting the deductible, SmartSense plans cover 70 or 50 percent of your major medical bills. Prescription drugs are also covered with an optional upgrade for a separate $250 deductible. Also providing a range of deductibles and coinsurance options, you can settle on a plan that fits your needs.
Lumenos® HSA Plus
Lumenos HSA plans are the health savings account-compatible high deductible health plan from Anthem. These offer you the opportunity to be responsible for your own medical costs with the option of doing so with funds from your tax-advantaged HSA. Preventive care is covered at no cost regardless of your deductible or coinsurance as soon as your plan begins. With several cost and coinsurance levels, you can choose a plan with 50, 20 or 0 percent coinsurance after deductible.
A comprehensive health plan with a more reasonable premium, CoreShare gives you lower monthly rates for higher cost sharing. Doctor’s office visits, hospital care, surgery, and ambulatory medical services are all available for an in-network discount and covered at 50 percent or in full once your deductible is satisfied. The higher your deductible, the lower your coinsurance and premium with CoreShare.
To view your personal rates for each of these Anthem Blue Cross Blue Shield plans in your area, get a quote or call an agent at 888 803 5917 for a one-on-one consultation.