Hyers & Associates

Get a Quote »As debate heats up about the rising cost of individual and family health insurance around the country, many carriers are looking at ways to reduce premiums for existing and future insureds.  

Anthem Blue Cross Blue Shield recently introduced new coverage options with new benefit designs in order to keep prices affordable.   Our agency is proud to offer these new options at no additional cost to you.

Affordable Health Insurance Premiums

The two newest  plans are named SmartSense and CoreShare.   Both offer larger coinsurance and deductible choices, but also provide comprehensive coverage once the chosen cost sharing numbers have been met.   Those who simply need to keep their health insurance premiums affordable can enjoy savings by choosing one of these two plans.

They are also appropriate if you prefer to self insure and are comfortable with higher out of pocket expenses.   The SmartSense plans offer limited doctors office visits, while the CoreShare plans do not.   However, both offer prescription drug coverage benefits to the insured.

Optional Benefits with Anthem

Maternity coverage cannot be added to either of the new plans, but dental insurance is an option.   If you wish to have maternity coverage as part of your overall insurance, then you should inform your agent as it is not automatically included like it would be with group health insurance.   Both the Premier and Lumenos HSA  coverages are popular and affordable options for those who need insurance to cover a future pregnancy.

It is important to note that there are respective waiting periods that must be satisfied before child delivery takes place with any plan.   In you live in Ohio for example, there is a nine month wait to deliver.   In Indiana and Missouri, the wait is twelve months.   Additionally, you cannot already be pregnant and purchase this insurance.

Preventive Care

Anthem is known for offering robust preventive care with all of their health policies.   However, in order to lower prices during these difficult economic times, preventive care is now subject to the deductible with some plans.   It is very important to discuss this with your agent before enrolling in new coverage.

You would not want to find out later that a routine visit to the doctor was not covered and that you must pay for the entire negotiated rate.   However, some states require well child care and immunizations to be covered immediately regardless of the policy design.

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The information above is a quick summary designed to spread the word about new cost effective coverages.   A detailed description of  any health insurance benefit package  is necessary before purchase.   We have created an online direct portal where our clients can view and compare  personal individual and family coverage in an instant.

Please feel free to contact us and we can not only walk you through your options online, but also help to make a suitable recommendation with Anthem or any of our other reputable carriers including Aetna, Assurant Health, Medical Mutual, and United Healthcare.