Isn't it about time a health insurance company rewarded you for making healthy decisions?
That's exactly how the Lumenos Health Incentive Account Plan from Blue Cross of California works.
The Lumenos HIA Plan gives you an account to pay for any medical cost you choose. The account is funded entirely by Blue Cross of California. They'll put money in your account when you complete programs designed to make you healthier. These programs include:
Completing an online health risk assessment = $50
- Joining a health coach program = $100
- Meeting your health coach program goals = $100
- Completing the tobacco cessation program = $50
- Completing the weight management program = $50
The weight management and tobacco cessation programs give you a one-time only reward. But you'll receive your reward every year that you take the online health assessment, stay enrolled in the health coach program, and meet your health coach goals. And money left over in your account at the end of the year stays in your account for the next year.
All That — and Comprehensive Coverage, Too
Besides the plan-funded account to help you pay for healthcare, the Lumenos HIA Plan features comprehensive coverage. Once you've met your deductible, the plan will pay 100% of the cost of many of the most common medical services, including:
- Doctor's visits
- Hospital care
- Maternity care
- Prescription drugs
On top of that, you get access to doctors and hospitals all over America with the BlueCard PPO nationwide network. That means you'll have access to quality healthcare no matter what part of the country you're in.
The Lumenos plan is available in two other varieties: the Lumenos HSA and the Lumenos HIA Plus. The Lumenos HSA Plan features a tax-advantaged Health Savings Account. The HIA Plus Plan works like the regular HIA Plan — but by taking on a slightly higher deductible, Blue Cross chips in an extra $500 a year to your account.
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