Anthem Health Insurance
Health QuotesAnthem Blue Cross and Blue Shield offers several comprehensive health insurance plans in the individual, family and group marketplace. While they may be more well known for their employer sponsored plans, medical coverage for individuals and families is also prominent in Ohio. Recently, Anthem has introduced a new portfolio of plans for individuals and families offering a wide array of coverage choices.
Plan Choices
Offerings from Anthem are extensive in all markets. They offer comprehensive coverage such as the Blue Access 2 and HSA 100 as well as catastrophic plans like the Value Plan and HSA 80. Preventive care is included in all plans and is not subject to the deductible. Insureds can visit their regular physician and/or OBGYN yearly without significant out of pocket.
Get Anthem Quotes »Another popular line of plans from Blue Cross are Health Incentive Accounts. These operate much like traditional Health Savings Accounts, but offer incentives for weight loss, smoking cessation, and overall good health. Anthem contributes funds to the tax qualified account of the insured as time passes and milestones are reached. These funds can be used for a variety of qualified medical expenses.
Benefit Options
Maternity can added to several plans including HSA qualified policies. The waiting period in Ohio is nine months for conception. HSA plans including maternity are popular with consumers because of their overall affordability.
Most coverages offer a lifetime maximum of 5 million per insured. Prescription drug coverage is available as a first dollar benefit as well as one that would begin after the deductible has been reached. Additionally, a dental rider can be added to any plan. Groups can add life insurance, vision, and accidental death and dismemberment riders.
Competitive Niche
Anthem is competitive across the board – especially for those who desire comprehensive coverage. Small groups will also find premiums to be competitive. The network is vast and nationwide. Frequent out of state travelers can benefit from such a large network. The preventive care benefit follows the recommendations of the American Medical Association and is thus quite good.
Unlike some insurers, underwriting is either accept or decline. There are several premium bands for consumers depending on their health status, but coverage for preexisting conditions will not be excluded from the policy for any longer than twelve months.
In summary, Anthem is a well known insurer offering medical insurance in all markets. They are competitively priced with a large nationwide network of doctors and hospitals. Preventive care benefits are robust and maternity coverage is very reasonably priced when added to an HSA qualified policy. Contact us today to view quotes and/or enroll online.
