Anthem Lumenos CDHP/HSA
Introduction – Health Savings Account –
Wellness Incentives – Coverage
2013 Rates - 2012 Rates – FAQ -
Forms/Documents
What is the Lumenos Consumer-Driven Health Plan with Health Savings Account (CDHP/HSA)?
The Lumenos CDHP/HSA is a consumer-driven high deductible health plan designed to promote wellness and provide consumer tools that empower you to take control of your health, as well as the dollars you spend on health care. The Lumenos CDHP/HSA features assist you in improving and maintaining your health. This plan provides you with
- On-line resources for getting healthy, staying well and becoming a more effective “shopper” of healthcare,
- Consumer tools, such as Rx pricing and health risk assessments, and
- Wellness incentives, including healthy weight and tobacco-free programs.
Your Lumenos CDHP/HSA pays 100% of the cost for
nationally recommended preventive services and allows unlimited provider choice, because quality of care starts with the right doctor. The plan also places limits on your annual out-of-pocket costs for covered services.
The CDHP includes a Health Savings Account (HSA) with pre-tax University contributions (and employee contributions if elected) which are deposited into your own HSA bank account. Your HSA account is available to pay for medical care, prescriptions, and other eligible healthcare expenses. And since remaining dollars deposited to an HSA account are not forfeited at the end of the plan period, your account balance can grow over time.
Plus you can earn financial rewards – additional dollars deposited in your HSA account – for doing good things for your health. On-line services are also available as a resource for every aspect of your health.
Are you ready for a Healthier Health Plan? Read on or view
one of the presentations below to find out whether the Lumenos CDHP/HSA plan is
right for you.
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Health Savings Account (HSA) with Mellon Bank
The Health Savings Account is a bank account in the employee’s name, funded with pre- or post-tax dollars, which can be used to help pay for medical care and prescriptions, and other eligible healthcare expenses. You may use the provided HSA account debit card or checkbook to pay your healthcare provider or pharmacy for eligible medical expenses.
During open enrollment, you will have the option to open an HSA if you choose the Lumenos Consumer-Driven Health Plan. To assist you in beginning your HSA, the University will make contributions to your account. In 2012, the University’s HSA contributions will be as follows: for single members, the University will contribute an
initial funding of $250, and regular incremental contributions totaling $450 throughout the year; for all levels of family membership, the University will contribute an
initial funding of $450, and regular incremental contributions totaling $950 throughout the year.
One-time employer contributions are only provided to those participating as of
January 1. Newly eligible participants entering after January 1 will
receive an initial contribution plus regular pro-rated annual employer contributions
for the months in the plan. You will also be able to make your own contributions to the account, and you can earn additional
financial rewards for engaging in healthful behaviors.
Contributions to your HSA account are federally tax-deductible. Contributions can be made to your HSA
up to the limits set by the IRS and U.S. Treasury. These limits include contributions
from any sources, as well as any rewards earned. For 2012, the
maximum annual contribution for individual accounts is $3,100; the maximum
annual contribution for family accounts is $6,250. (For 2013, the
individual and family maximum annual contribution amounts will increase to
$3,250 and $6,450, respectively). An additional catch-up
contribution amount, available to those 55 or older, is limited to $1,000.
Spousal Medical Benefits That Limit Your Participation or Make You
Ineligible for the HSA. We want to remind you that your ability to participate in the Lumenos
CDHP/HSA could be affected by choices a spouse makes regarding coverage at
another employer. The limitations described below are based on IRS
interpretation of what constitutes prohibited “other insurance.” Please read
this carefully if you have signed up for family or employee/spouse coverage, or
if you signed up for single coverage but you or your spouse has other health
coverage as well.
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If both you and your spouse are covered by your spouse’s medical plan
(such as PPO, HMO, CDHP), you make yourself ineligible for the Health Savings
Account benefit at the University.
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If your spouse is covered by a general purpose flexible spending account for
medical, you are also ineligible for the Health Savings Account benefit at the
University.
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You may be enrolled in the Lumenos HSA while your spouse is covered under a
PPO/HMO at his/her employer in which you are not enrolled, as long as your
spouse does not have a general purpose flexible spending account for medical. In
this case, you would be allowed to reimburse your spouse’s out-of-pocket
expenses with your HSA dollars even though s/he is not covered under your
Lumenos High Deductible Health Plan. However, you may only use the single
coverage annual HSA contribution limit ($3,250 for 2013).
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You and your spouse continue to be eligible for the HSA at the University if
your spouse has a limited-purpose flexible spending account. Such limited
purpose FSA’s accept vision and dental expenses only and do not allow coverage
of any medical expenses.
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You and your spouse may both have separate HSA’s provided you both have an HSA
with a qualified high deductible health plan (HDHP). If a family has all its
members covered under two HSA-qualified HDHPs, or some family members are on one
qualified plan and the other family members are under another qualified plan,
the maximum annual contribution to the account members remains in force. This
means you must divide the annual maximum family contributions between the two
HSA accounts and not exceed the 2013 limit of $6,450 in the combined
contributions to the two HSA plans.
Unused dollars are saved, are not forfeited at the end of the plan year, and are yours to keep if you retire or leave the University.
You will earn interest on your HSA funds and will also have the opportunity to invest your funds once your HSA balance reaches $1,500. You will need to maintain the minimum $1,500 balance in your account, but you can invest any additional amount in the available investment options.
You will be responsible for annually reporting use of your HSA funds to the IRS. To assist you with tax preparation, you will receive monthly statements from BNY Mellon showing all account activity and you will receive IRS forms 1099 and 5498 near tax time.
Health Savings Account (HSA) – Frequently Asked Questions
More Frequently Asked
Questions for Health Savings Account (HSA)
HSA Qualified
Medical Expenses
Health Savings Account
(HSA) Election Form
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Wellness Incentives
Financial rewards are one of the ways the Lumenos CDHP/HSA plan makes it easier for you to do the right things when it comes to your health. This program provides additional HSA dollars to encourage you to take certain steps toward maintaining and improving your health.
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MyHealth
Assessment |
$50 reward for online completion
of one family member |
| MyHealth Assessment is an online health profile that takes only a few minutes to complete. It helps you identify possible health risk factors, based on your current health, family history, lifestyle and other factors. The MyHealth Assessment is confidential—the information is not shared with your employer and it is protected by the highest level of online security available. You and your family members are eligible to complete the MyHealth Assessment (limited to one reward per family per year). |
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Health
Coaching
Participation |
$100 reward for Health Coaching enrollment
for each eligible family member |
| The Health Coaching programs team consumers who have certain ongoing health conditions and other health needs with a specially trained registered nurse to help them identify goals, and understand and manage their health condition. The Health Coaching programs are available at no cost to all Anthem health plan consumers, and include ConditionCare, MyHealth Coach, Future Moms and ComplexCare. If you or your covered family members have an eligible condition and qualify to participate in a Health Coaching program, you’ll receive $100 in your HSA for enrolling (one reward per covered person per year). |
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Health
Coaching
Completion |
$200 reward for Health Coaching graduation
for each family member |
| If you or your covered family members enroll in a Health Coaching program, you can earn an additional $200 for your HSA by achieving your health goals and successfully completing the program (one reward per covered person per year). |
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Healthy
Lifestyles |
$50 reward for Healthy Lifestyles completion
for you and your spouse |
Healthy Lifestyles: Tobacco-Free Program
The Tobacco-Free Program is a step-by-step program that uses proven techniques and personalized support to help you stop using tobacco and improve your health for total well-being. It features one-on-one telephone counseling sessions to help you develop your own Tobacco-Free plan, including determining what nicotine replacement products may work best for you. The program also includes coverage for nicotine-replacement productions (gum or patch). You and your covered family members over age 18 are eligible for this program.
Healthy Lifestyles: Healthy Weight Program
The Healthy Weight Program includes one-on-one counseling sessions designed to help you achieve a weight that supports good health. Working with a registered dietitian and health educator, you’ll have confidential phone sessions to discuss topics like healthy eating, physical activity and exercise, stress management, maintenance and relapse. It’s available to you and your covered family members age 18 or older who have a Body Mass Index (BMI) of 25 or higher.
You and your spouse are eligible to receive $50 in your HSA for completing these programs (one reward per person per lifetime). |
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Coverage
Anthem
Lumenos CDHP Plan Highlights
- 100% Preventive Care Coverage
- Deductible (Network & Non-network combined) - $1,500 individual and $3,000 family
- Out-of-pocket maximum
- Network - $3,000 individual and $6,000 family
- Non-network - $6,000 individual and $12,000 family
- Co-Insurance
- Network - 90%/10%
- Non-network - 70%/30%
- Prescription Co-Payments
- Retail Pharmacies (30-day supply) - 90% after deductible
- Mail Order (90-day supply) - 90% after deductible
Anthem Lumenos CDHP 2013
Benefits Highlights
Anthem Lumenos CDHP 2013 Summary of Benefit Coverage (SBC)
Anthem Lumenos CDHP 2013 Plan Certificates coming soon
Anthem Lumenos CDHP 2012 Plan Certificate
- Single Plan
Anthem Lumenos CDHP 2012 Plan Certificate - Family Plan
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Anthem Lumenos CDHP/HSA 2013 Rates
Anthem Lumenos CDHP/HSA -
Salary $38,000
($3,166.67 monthly, $19.49 hourly) and above
|
2013 Rates |
Employee's Bi-weekly Premium |
Employee's Monthly Premium |
|
Single Plan |
$45.33 |
$90.66 |
|
Employee + Child(ren) |
$77.35 |
$154.70 |
|
Employee + Spouse |
$103.77 |
$207.54 |
|
Family Plan |
$130.07 |
$260.14 |
Anthem Lumenos CDHP/HSA -
Salary below
$38,000 ($3,166.67 monthly, $19.49 hourly)
|
2013 Rates |
Employee's Bi-weekly Premium |
Employee's Monthly Premium |
|
Single Plan |
$36.02 |
$72.04 |
|
Employee + Child(ren) |
$61.89 |
$123.78 |
|
Employee + Spouse |
$83.25 |
$166.50 |
|
Family Plan |
$104.51 |
$209.02 |
For Retiree and COBRA Rates, contact Brandy Smith
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Anthem Lumenos CDHP/HSA 2012 Rates
Anthem Lumenos CDHP/HSA - The premium is inclusive of medical, prescription drug, and dental insurance coverage.
|
2012 Rates |
Employee's Bi-weekly Premium |
Employee's Monthly Premium |
|
Single Plan |
$26.11 |
$52.22 |
|
Employee + Child(ren) |
$48.51 |
$97.02 |
|
Employee + Spouse |
$60.72 |
$121.44 |
|
Family Plan |
$78.71 |
$157.42 |
For Retiree and COBRA Rates, contact Brandy Smith
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CDHP/HSA Frequently Asked Questions
Anthem Lumenos CDHP/HSA - Frequently Asked Questions
Health Savings Account (HSA) – Frequently Asked Questions
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Forms and Documents
Anthem
Employee Enrollment Application
Anthem Employee
Change Form
Health Savings Account
(HSA) Election Form
Sample Anthem
Lumenos Enrollment Form
Sample Anthem Form to Change to Lumenos
Sample Anthem Form to Drop Medical Dependents
Sample Anthem Form to Drop All Coverage
To learn more about the Lumenos CDHP/HSA plan, visit the
Anthem Lumenos website.
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