The Blue Cross Lumenos HIA Plus Plan

The Lumenos HIA Plus Plan from Blue Cross of California puts you in charge of your healthcare decisions. With the HIA Plus Plan, Blue Cross gives you $500 a year ($1,000 for family plans) to spend on any medical expense you choose. Spend it on prescription drugs, medical supplies, or pay it toward your plan deductible.

Blue Cross funds your account quarterly. So every 3 months individuals will get $125, and families will get $250. And you can earn even more money for your account through the Healthy Rewards program.

With Healthy Rewards, you earn money for participating in any of these Blue Cross wellness programs:

  • Completing the online health risk assessment = $50
  • Enrolling in a health coach program = $100
  • Meeting the health coach program goals = $100
  • Completing a tobacco cessation program = $50
  • Completing a weight management program = $50

You can earn Healthy Rewards for taking the online health assessment, enrolling in a health coach program, and meeting those health coach program goals every year. And any money left in your account at the end of the year carries over into next year.

The Lumenos Difference? Comprehensive Coverage

Many consumer-directed health plans make it easy to save for healthcare — then leave you paying most of the bills. Lumenos is different.

With Lumenos, you'll get 100% coverage on many healthcare services when you meet your deductible. Covered services include:

  • Doctor's visits
  • Hospital care
  • Prescription drugs
  • Maternity care

And as a member of Blue Cross of California you get to take advantage of the BlueCard PPO nationwide network, featuring qualified healthcare providers all over America.

Besides HIA Plus, there are two other Lumenos plans:

Lumenos HSA includes a Health Savings Account, letting you save tax-free money to spend on healthcare.

Lumenos HIA includes the Healthy Rewards program, but does not include the yearly $500 contribution. Instead, it has an option for a lower deductible.

Get instant insurance quotes for Blue Cross Lumenos, compare plans and apply online.

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