Anthem - Missouri

Anthem is a publicly traded company on the New York Stock Exchange and is part of the S&P 500.  Anthem offers a variety of plans to those who live in Missouri, such as Blue Essential plans, Lumenos Health Savings Account plans, Premier Plans, and BlueAccess Value.

The most popular Anthem Blue Cross plans in Missouri include: SmartSense 5000 Standard RX PPO, Lumenos HSA 3500, SmartSense 2500 Standard RX, SmartSense 2500 Upgrade RX, Premier 2500 20% Standard RX, Premier 2500 20% Upgrade RX, SmartSense 1000 Upgrade RX

Monthly premiums range from $57 to $211 for individuals and $218 to $780 for families.

The following plans give a variety of options depending on the individual’s or family’s health coverage needs in Missouri:

Lumenos Choice HSA 1500                                           Lumenos Choice HSA 1750

Lumenos Choice HSA 3000                                           Lumenos Choice HSA 3500

Lumenos Choice HSA 5000                                                      Lumenos HSA 1500

Lumenos HSA 1750                                                                 Lumenos HSA 3000

Lumenos HSA 5000                                                        Premier 1000 Standard RX

Premier 1000 Upgrade RX                                              Premier 10000 Standard RX

Premier 10000 Upgrade RX                                              Premier 1500 Standard RX

Premier 1500 Upgrade RX                                                Premier 3500 Standard RX

Premier 3500 Upgrade RX                                                  Premier 500 Standard RX

Premier 500 Upgrade RX                                                  Premier 5000 Standard RX

Premier 5000 Upgrade RX                                          SmartSense 1000 Standard RX

SmartSense 10000 Standard RX                                SmartSense 10000 Upgrade RX

Premier Choice 1000 Standard RX                           Premier Choice 1000 Upgrade RX

Premier Choice 3500 Standard RX                           Premier Choice 3500 Upgrade RX

For Lumenos Health Savings Account plans in Missouri, the deductibles range from $1,500 to $5,500 for individuals and $3,000 to $11,000 for both in network and out-of-network.  Doctor visits, professional and diagnostic services, in and out-patient services, emergency room services and preventive care services range from 0%-40% co-insurance for in-network and range from 30%-50% coinsurance for out-of-network.  Maternity is not usually covered, but optional coverage may be available depending on the plan.  Other optional coverage that is available is dental and life insurance.

Health Savings Accounts allow members to decide where their health care money is allocated- whether it is used for short terms expenses such as copays or long term expenses such as medical care down the road.

Other popular Anthem plans in Missouri are Preferred Provider Organization (PPO) plans. These are plans that are part of the main three health insurance plans such as Health Maintenance Organization (HMO) plans and Point of Service (POS) plans.  Preferred Provider Organization plans are different from Health Maintenance Organization plans in that they allow members to choose out of network care providers, whereas HMOs require members to choose care from in-network care providers- doctors, hospitals and specialists.