Established in 1944 by a merger of two mutual insurance companies headquartered in Indianapolis, Anthem has its roots in the central United States and continues to serve millions of members in the region. After demutualizing in 2002, Anthem was purchased by WellPoint in 2004. The acquisition led to the formation of WellPoint, Inc., which is now one of the largest health insurance organizations in the country. Through WellPoint, the Anthem Blue Cross and Blue Shield® name provides health insurance to individuals and families, employees, as well as state-sponsored plan and Federal Employee Program members.
As an independent licensee of the Blue Cross and Blue Shield Association®, Anthem also gives members the ability to use any number of providers of other independent BCBSA companies when out of their local region or even in another country. In Missouri, Anthem Blue Cross and Blue Shield® is the trade name of RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc, for its various products. Individual health insurance plans are available in select areas of the state, and connect members to a broad network of providers through the regional network.
Caroline Ehrenthal is an Authorized Agent for Anthem Blue Cross and Blue Shield of Missouri.
Anthem Individual Plans in Missouri
The most comprehensive plan in Missouri, Premier Plus plans provide the greatest access to first dollar benefits of any Anthem plan, as well as minimal cost sharing on hospital care after you reach the deductible. Your plan covers services at 80/20 coinsurance or 100 percent of your medical costs after deductible. With reasonable, predictable copays for use of a primary care physician or specialist, these plans offer an unlimited number of office visits with the deductible waived, or a select number of visits covered for a lower premium. You may also choose the pharmacy plan that works best for you. Unlike many other traditional PPOs, annual vision exams are covered for a copay.
An affordable alternative to the standard PPO design, these plans cover your first three diagnostic visits with a physician for a copay, and generic drugs before deductible. For a lower monthly premium, you receive a taste of the comprehensive plan with a higher level of cost sharing. These plans cover 70 percent of hospital care and physician services after you have met the deductible and used your copay visits, and have many deductibles to choose from. If you require prescriptions of a higher tier, you have access to additional medications for a $250 pharmacy deductible. A balance of budget-conscious and health-conscious, these plans are ideal for those who want to stay safe and healthy for a lower cost.
Lumenos® HSA Plus
An HSA-qualified, high deductible plan ensures a low premium for those who want to save on the month-to-month basis. These plans give members the freedom to choose any provider they like while using the tax-advantaged funds from their health savings account. All costs up to the deductible are paid in full by the policyholder, with the exception of preventive care, such as immunizations, well-woman visits, cancer screenings, and other routine exams. Depending on the plan you select, Lumenos HSA Plus will cover 60, 80, or 100 percent of your care with an in-network provider.
CoreShare plans give members responsibility for more cost sharing and keep the premium low. Simple to use and very affordable, these plans offer the preventive care everyone needs to stay healthy and aware, in addition to covered office visits, hospital care, and surgery. Each of these services, with the exception of preventive care, will be covered at either 60 or 100 percent after deductible. Until you meet the deductible, you pay a discounted rate when using Anthem providers, though out-of-network doctors and facilities are also available to use.
View the Anthem Blue Cross Blue Shield plans in your area by filling out a free, fast health insurance quote with rates tailored to you and your family. Not sure which plan to choose, or prefer the phone? Speak with an agent at 888 803 5917 for more information.