Anthem Blue Cross & Blue Shield Quotes

Blue Cross and Blue Shield offers a wide array of health insurance coverage to choose from. There are traditional plans with a doctor’s office copay, health savings account qualified plans, as well as those that cover maternity.

Maternity coverage provided by Anthem will typically have a waiting period to deliver, not conceive a child. In Ohio for instance, the waiting period is only nine months to deliver a child with Anthem. You cannot already be pregnant however and then purchase this insurance.

There are also several affordable health insurance plans offering differing amounts of benefits. The Lumenos HSA, Core Share and Smart Sense coverage are popular for those who desire comprehensive coverage, but also want lower monthly premiums. All plans include preventive care not subject to your deductible as required by law.

Anthem also offers short term health insurance to fill gaps of up to six months. The coverage can be paid for one month at a time and cancelled when it’s no longer needed.

It is important to understand that short term health plans are not a good substitute for traditional permanent coverage. Unless you know that you will have coverage in the near future, it is often wise to purchase a permanent plan and pay month to month.

You can also add dental insurance to most health coverage. There are three to choose from that offer a varying amount of benefits. The Dental Blue Essential 100 is most popular.

Term life insurance from Anthem is yet another option. There are three plans to choose from and the cost will vary based on your medical history, age, gender and location. Life insurance is available in $15,000, $25,000, and $50,000 increments.

For those who are Medicare eligible, Blue Cross & Blue Shield offers several Medicare Advantage and Medicare supplement insurance plans to choose from. In most states, Plans A, F, G, N and High Deductible Plan F are available for purchase. Medicare Advantage plans will differ from county to county, but we can help you find the coverage that will best fit your needs and budget.

Direct online enrollment can be completed by clicking on the logo at the top of this page and then clicking on “Mature Individuals.” Call us and we can walk you through the secure online enrollment process.

Anthem offers a 5% discount on Medicare supplements to those members who occupy the same housing unit. This discount is available to married couples as well as others sharing a household. Premiums can be further reduced by paying via monthly bank draft or through an annual payment.

Part D prescription drug plans are also available online from Anthem for those who need a stand-alone Medicare drug plan to compliment their Advantage or Medicare supplemental coverage either purchased from Anthem or any another provider.

Medicare Advantage plans offered by Anthem are good choice if you want to maintain lower Medicare premiums and are comfortable with their network options. Typically rates for these plans range from $0-$50 per month and many include prescription Part D coverage at no additional cost.

It is important to understand however that potential out-of-pocket costs will be higher with most Medicare Advantage plans and can run into the thousands of dollars should you need medical care. In a nutshell, MA plans provide private coverage for Medicare Parts A and B and then will cover some of the 20% that is typically covered by a comprehensive Medicare supplement like Plan F.

You will need to stay in the Anthem approved network of doctors and hospitals in order to realize the most savings. It is very important to make sure that your doctors accept the Medicare Advantage plan of your choice before enrolling. If they do not, then you can have additional out-of-pocket expenses; above and beyond what the Advantage plan already allows for.

If you choose an Advantage plan, you will still need to continue to pay your Medicare Part B premiums as well. For those who are Medicaid eligible or receive the low income subsidy, their rates can be lower for all Medicare insurances. We can help walk you through your otions.

Hyers and Associates is an independent life and health insurance agency and we represent Anthem Blue Cross and Blue Shield direct to consumer. By clicking on the logos at the top of this page, you can compare quotes direct.

We understand that you may have some questions about your insurance needs and we are here to help. Call us today and we will be happy to help you through the process of purchasing an Anthem insurance plan.