Established in 1944 in Indianapolis, Anthem, Inc. has provided its central region with Blue Cross and Blue Shield coverage since the founding years of health insurance in this country. As Anthem is an independent licensee of the Blue Cross and Blue Shield Association, members are given the advantage of one of the largest national provider networks, as well as worldwide coverage in 30 countries.
Anthem has a current A.M. Best rating of “A” for Excellent in the central United States, and accreditation from URAC in Health Utilization Management. Anthem Blue Cross and Blue Shield of Wisconsin earned the highest accreditation from the National Committee for Quality Assurance (NCQA), Excellent, for meeting or exceeding the organization’s criteria for consumer protection, clinical care, and quality improvement.
In Wisconsin, Anthem is the trade name of Blue Cross and Blue Shield of Wisconsin, who underwrites the PPO coverage you will purchase as an individual or family. POS coverage is mostly what you will find in Wisconsin on the individual market, which is administered by BCBSWI and Compcare collectively. Depending on your coverage are you have access to one plan type or the other, both offering access to the Anthem network and non-network care.
Anthem Individual Plans in Wisconsin
Offering upfront benefits and the most comprehensive coverage available from Anthem in Wisconsin, these plans have a higher premium for the ability to seek more care as soon as your coverage starts. Without waiting to meet your deductible, you have access to physician office services and generic prescriptions for a predictable copayment, and the option of including more pharmacy benefits with a separate deductible. After you meet the deductible, hospital care is covered for 80 or 100 percent, leaving you with 20 percent coinsurance or no cost.
For those interested in saving on their premium, SmartSense plans provide first-dollar benefits and major medical coverage at a lower monthly rate. Covering your first three office visits for a copay as well as generic prescriptions before your deductible, you have access to multiple services immediately. Cost sharing is higher for these plans, giving members responsibility for either 30 or 50 percent coinsurance after deductible on in-network services, which includes emergency care, surgery, and many other benefits.
CoreShare plans come with a variety of deductible choices, from $750 up to $25,000, to give you a balance of benefits and premiums that fit your budget. These plans offer preventive care and generic prescriptions from the start of your coverage, and every other service is included in your annual deductible. Covered services include emergency care, hospitalization, chiropractic, physician care, and more for either 50 percent coinsurance or no cost, depending on the plan.
Lumenos HSA Plus
A very low premium paired with a high deductible, these plans cover preventive care at no cost before your deductible is met. Qualified for use with a health savings account, you have the ability to open and fund a tax-advantaged account to pay for medical expenses and reach your deductible tax-free. When your deductible is satisfied, all services including office visits, prescriptions, hospital care, and emergency services at 100 percent, 80 percent, or 50 percent.
Considering an Anthem Blue Cross Blue Shield plan in Wisconsin? Compare rates and view all plans in your area with a quick and easy quote. Call us at 888 803 5917 to speak with a knowledgeable agent about Anthem coverage and benefits.